Want to know more about Shared Ownership mortgages? Read our hub to find the information you need
No impact on credit score
A Shared Ownership mortgage is essentially a middle ground between renting and buying. They are a possible option if you don’t qualify for a full mortgage or can’t afford one and don’t mind the idea of paying some rent on top of your mortgage payments.
Before applying for a mortgage through this government scheme, doing your homework is recommended so you can be confident it’s the right option for you. Read through our compilation of articles below to find out how Shared Ownership works, how to compare mortgages through the scheme and much more.
An overview of Shared Ownership mortgages, including what they are, how they work and how a broker can help you get the right advice on them.
How to compare every Shared Ownership mortgage deal on the market to make sure you find the best one for your needs and circumstances.
Try our Shared Ownership mortgage calculator to find out how much you could potentially borrow and what your mortgage repayments could look like.
Learn about how the loan-to-value (LTV) ratio affects a Shared Ownership mortgage agreement and how much deposit you will need to put down.
A guide to the Shared Ownership mortgage application process, how to get help with it and how a mortgage broker can guide you through it.
How to get a Shared Ownership mortgage if you have bad credit and why it’s a good idea to use a specialist broker under these circumstances.
How to find the right Shared Ownership mortgage broker for your needs and why you should speak to one before you start your application.
A guide to Shared Ownership mortgage lenders, including which providers support the scheme, what they offer and how to choose the right one.
Learn all about 95% LTV Shared Ownership mortgages and how to get the best rates and deals through the government scheme with 5% deposit.
Ask a quick question
We can help!
We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in Shared-Ownership Mortgages
Ask us a question and we'll get the best expert to help.
*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.
Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.
Maximise your chances of approval, whatever your situation. Find your perfect mortgage broker
Increase your chances of approval with an expert!
Our broker matching service will match you to a real human being who’s a specialist in your circumstances – for free!
Your expert will find you the best deal that’s right for you and be with you every step of the way.