Independent & personal service
98% SUCCESS rate
Access to 1,000+ MORTGAGES
5 star reviews
  • Independent & personal service
  • 98% SUCCESS rate
  • Access to 1,000+ MORTGAGES
  • 5 star reviews

Shared Ownership Mortgages

Finding the mortgage deal that makes a house your home.

Shared ownership mortgages are designed to assist people getting onto the property ladder who may have a smaller deposit, or don’t have enough income to borrow enough to purchase a property outright.

They are available on new build properties and existing properties and you can generally purchase a share of the property between 25% and 75%. A Housing Association owns the rest of the property and in addition to the mortgage payment you also pay the Housing Association a monthly rental sum based on the percentage that they own of the property

The added benefit of purchasing a Shared Ownership property is that the Housing Association charge less than the private rental market, they can charge up to 80% of the open market rental value.



We’ll support you with round-the-clock service, right through to completion.

Who is eligible for a Shared Ownership Property?

In the main shared ownership properties are bought by first time buyers looking to get onto the housing ladder and have a small deposit and low income, but they can also be bought by older people and families who again are not in a position financially to be able to afford to buy a house solely.

The main restriction is that if your income is above £80,000 (£90,000 in London) then you are not eligible to purchase a shared ownership property.

Are you able to increase your share of the property?

Yes, you are allowed to use a process called ‘staircasing’ i.e. over time you purchase additional shares in the property from the housing association until you own it completely. The amount of additional share you purchase will be dependent on your ability to afford it, or the amount you have saved to purchase additional shares and also on the value of the house at the time you look to staircase.

There are additional costs to staircasing for example a full valuation would be required as well as additional legal work to transfer the additional share of the property to you.

Latest Mortage Deals

We’ve picked out some of today’s best mortgage rates to give you an idea which lenders and interest rates could be available to you.

Mortgage Calculator

How much can I borrow?

What is your annual salary?

What is your partner's salary? (If applicable)

Estimated property price

What is your deposit amount?

You could borrow up to:

Loan to value (LTV):

Including your deposit, you could afford a house price up to:

To discuss your options, call us today on 01242 696235 or

Request a call back

When you put down roots,
so do we.

Working with our long-standing charity partner, Gloucestershire Wildlife Trust, we pledge to plant a tree in your name when your mortgage completes.


Trees planted

in the last 12 months


To discover your options, call us today on 01242 696 235 or email

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