Shared Ownership Mortgages
The Shared Ownership scheme lets you buy a share in a home, usually between 25% and 75%, and pay rent on the rest.
We have specialist advisors who can guide you through the entire process and help you find a lender who supports shared ownership.
Shared Ownership Mortgage Advice
Shared ownership is an accessible way to get on the property ladder. Instead of buying a home outright, you purchase a share (usually 25%–75%) and pay rent on the rest. Over time, you can increase your share through “staircasing” until you own the property in full.
At Online Mortgage Advisor, our specialists know how the scheme works. They understand which lenders support the scheme, how staircasing impacts your loan, and the costs you should plan for.
With our helpful guides, you can learn everything you need to know about shared ownership mortgages. Learn what makes you eligible for shared ownership, and use our shared ownership mortgage calculator to find out how much you could borrow and what the repayments could be.
We’ve tried to make it as easy as possible to understand how to apply for shared ownership, whether you’re a first-time buyer or a home-mover.
Check your affordability
Use our shared ownership calculator to see how much you could borrow and what your monthly costs might look like.
Read our guides
Browse our shared ownership guides to learn about eligibility, deposits, staircasing, and what to expect with this type of mortgage.
Compare shared ownership mortgages
Use our industry-first comparison tool to view deals from lenders who support shared ownership.
Speak to an expert
Get matched with an advisor who specialises in shared ownership mortgages and understands which lenders are most likely to approve your application.
Our advisors know which lenders offer shared ownership mortgages and can help you secure the right deal.
Our Guides
Read our guides to understand how the shared ownership scheme can help you get on the property ladder.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
Shared ownership allows you to buy a portion of a property, usually between 25% and 75%, and pay rent on the remaining share owned by a housing association or local authority. Over time, you can purchase additional shares through a process called “staircasing,” potentially allowing you to own up to 100% of the property.
You’ll make monthly mortgage payments on the part you own and rent on the part you don’t, and service charges may apply for property maintenance.
With a shared ownership mortgage, you only need to put down a deposit on the share of the property you’re buying, not the full value of the home. Typically, lenders require a deposit of 5% to 10% of your share.
For example, if you’re buying a 50% share of a property worth £200,000, and the lender requires a 10% deposit, you would need £10,000. The exact deposit amount can vary based on the lender and your personal circumstances.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide.
We secure the best deal with help from a specialist in situations like yours. Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
We make the mortgage process simple and manageable, whatever your situation. Our advisors handle both straightforward and complex cases, giving you certainty about your options and confidence in your next steps.
You will have a dedicated mortgage expert and case manager by your side from your first question through to completion, with regular updates so you always know what is happening.
We also give you the benefit of a one-stop experience by connecting you with trusted partners for conveyancing, insurance, and more. This way, you get clear answers, everything taken care of in one place, and peace of mind that your mortgage is sorted.
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You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.