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What is Shared Ownership?

Shared Ownership is a scheme offering you the chance to buy a share of your home if you can’t afford the mortgage on 100% of it. You then pay rent on the remaining share to the housing association who own the rest of the property. It allows you further down the line to buy a bigger share as and when you can afford to. Your home ownership will be on a leasehold basis.

How does the Shared Ownership Scheme work?

The Shared Ownership Scheme allows buyers to purchase a partial share in a property, this is typically between 10% and 75% of the purchase price. It then allows you to buy further shares in the property at a later date when you can afford to.

You take out a mortgage to buy your share and then pay rent on the remainder to the housing association who own the rest of the property. You will still require a deposit, however as you are buying a smaller proportion of the property, the deposit required by you will be accordingly smaller.

There are a limited number of lenders who offer Shared Ownership mortgages however our Mortgage and Protection Advisers have access to a range of suitable products as they know which lenders to approach.

Who is eligible for the Shared Ownership scheme?

Shared ownership benefits those who wouldn’t otherwise be able to buy a home as they are unable to afford the cost of buying a whole house.

While this is a great way to get onto the property ladder and buying your own home, it still requires careful consideration.

Shared ownership has several benefits

How do I buy a Shared Ownership home?

You buy Shared Ownership properties via the Help to Buy agent who is responsible for the scheme in the area where you are looking to live. You should contact the agent in the first instance for advice and help about this scheme.
Our team of Mortgage & Protection Advisers are specialists experienced in such schemes, and are available 7 days a week ready to answer all your questions.
Or for further information email us on

Does Stamp Duty apply to a Shared Ownership property?

Yes stamp duty does apply to properties bought with the Shared Ownership Scheme.

First-time buyers, buying properties through the Shared Ownership scheme costing less than £425,000 pay nothing in stamp duty.

There are a range of options in regard to the amount of Stamp Duty you chose to pay outside of the figures stated above. Speak to our Mortgage and Protection Advisers to find out more.

How do I increase my Share in a Shared Ownership home?

Once you have purchased your Shared Ownership home you can at any time opt to buy a bigger share of it, right up to owning 100%.  (Please note some Housing Associations do not allow 100% ownership.)

The price you will pay to purchase a further share will be dependent on the market value of your house, at the time.

The Housing Association, will have your property valued and confirm the cost of the new share you are buying.

If the value of the property price has risen, you will proportionally pay more,  however if it has reduced in price it will cost you less for the same share as before.

Please note there are valuation and legal fees involved whenever you purchase an additional share which you will be responsible for paying.

For more information on the Shared Ownership scheme,
click below.

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