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Compare Shared Ownership Mortgages

Compare the best shared ownership mortgages available from every shared ownership mortgage lender offering deals in the UK & find cheap rates for your part ownership mortgage in minutes. We make it simple to search & compare the mortgage interest rates available for shared equity homes whether you are a first time buyer or not.

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		Mortgage Type	Initial Rate		Final Rate	APR	Max LTV
		Mortgage Type	APR	End Date	Final Rate	APR	Max LTV
Promoted Results
	Santander 2yr BBR + 1.59% Tracker R/M C/B LTV 60% Direct	Tracker	2.09%	24 months	4.24%	4%	60%
	Available for remortgage only.
	Santander 2yr BBR + 1.59% Tracker R/M LTV 60% Direct	Tracker	2.09%	24 months	4.24%	4%	60%
	Available for remortgage only.
	Santander 2yr 2.35% Fixed LTV 60% Direct	Fixed Rate	2.35%	02 Apr 2014	4.24%	4.1%	60%
	HSBC Lifetime BBR + 1.89% LTV 60% Special Direct	Tracker	2.39%	term	n/a	2.5%	60%
	HSBC Lifetime BBR + 2.09% LTV 70% Direct	Tracker	2.59%	term	n/a	2.7%	70%
	Santander 2yr BBR + 2.34% Tracker H/P C/B LTV 60% Direct	Tracker	2.84%	24 months	4.24%	4.1%	60%
	HSBC Lifetime BBR + 2.49% LTV 80% Direct	Tracker	2.99%	term	n/a	3.1%	80%
	Santander 2yr 2.99% Fixed H/P C/B LTV 60% Direct	Fixed Rate	2.99%	02 Apr 2014	4.24%	4.2%	60%
	Santander 2yr BBR + 2.54% Tracker H/P C/B LTV 75% Direct	Tracker	3.04%	24 months	4.24%	4.2%	75%
	Santander 2yr BBR + 2.54% Tracker R/M C/B LTV 60% Direct	Tracker	3.04%	24 months	4.24%	4.1%	60%
	Available for remortgage only.
	Santander 2yr BBR + 2.54% Tracker R/M LTV 60% Direct	Tracker	3.04%	24 months	4.24%	4.1%	60%
	Available for remortgage only.
	Woolwich Openplan FM 2yr 3.09% Fixed BBR LTV 60%	Fixed Rate	3.09%	28 Feb 2014	3.89%	3.9%	60%
	Woolwich Openplan FM 2yr BBR + 2.69% Ex/C LTV 60%	Tracker	3.19%	28 Feb 2014	3.89%	3.9%	60%
	Available for existing Barclays Personal Current Account customers only
	Santander 2yr 3.19% Fixed R/M C/B LTV 60% Direct	Fixed Rate	3.19%	02 Apr 2014	4.24%	4.3%	60%
	Available for remortgage only.
	Santander 2yr 3.19% Fixed R/M LTV 60% Direct	Fixed Rate	3.19%	02 Apr 2014	4.24%	4.3%	60%
	Available for remortgage only.
	Woolwich Openplan FM 2yr BBR + 2.69% LTV 60%	Tracker	3.19%	28 Feb 2014	3.89%	3.9%	60%
	Santander 2yr 3.19% Fixed H/P C/B LTV 75% Direct	Fixed Rate	3.19%	02 Apr 2014	4.24%	4.2%	75%
	Santander 2yr BBR + 2.74% Tracker R/M C/B LTV 75% Direct	Tracker	3.24%	24 months	4.24%	4.2%	75%
	Available for remortgage only.
	Santander 2yr BBR + 2.74% Tracker R/M LTV 75% Direct	Tracker	3.24%	24 months	4.24%	4.2%	75%
	Available for remortgage only.
	Woolwich Openplan FM 2yr BBR + 2.79% Offset LTV 70%	Offset	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Woolwich Openplan FM 2yr 3.29% Fxd BBR LTV 70%	Fixed Rate	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Woolwich Openplan 2yr BBR+2.79% Offset R/M C/B Ex/C LTV 70%	Offset	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Woolwich Openplan 2yr BBR + 2.79% Offset R/M Ex/C LTV 70%	Offset	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Available for existing customers only.
	Woolwich Openplan 2yr BBR+2.79% Offset R/M C/B Ex/C LTV 70%	Tracker	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Woolwich Openplan FM 2yr BBR + 2.79% Offset R/M C/B LTV 70%	Tracker	3.29%	28 Feb 2014	3.89%	4%	70%
	Available for remortgage only.
	Woolwich Openplan FM 2yr BBR + 2.79% Offset Ex/C LTV 70%	Tracker	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Woolwich Openplan FM 2yr BBR + 2.79% Offset R/M C/B LTV 70%	Offset	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Available for remortgage only.
	Woolwich Openplan 2yr BBR + 2.79% R/M C/B Ex/C LTV 70%	Tracker	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Woolwich Openplan 2yr BBR + 2.79% R/M Ex/C LTV 70%	Tracker	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Woolwich Openplan FM 2yr BBR + 2.79% Ex/C LTV 70%	Tracker	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Woolwich Openplan FM 2yr BBR + 2.79% LTV 70%	Tracker	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Woolwich Openplan FM 2yr BBR + 2.79% R/M C/B LTV 70%	Tracker	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Available for remortgage only.
	Woolwich Openplan FM 2yr BBR + 2.79% R/M LTV 70%	Tracker	3.29%	28 Feb 2014	3.89%	3.9%	70%
	Available for remortgage only.
	Woolwich Openplan FM 2yr 3.39% Fxd BBR LTV 60%	Fixed Rate	3.39%	28 Feb 2014	3.89%	3.9%	60%
	Santander 2yr 3.39% Fixed R/M C/B LTV 75% Direct	Fixed Rate	3.39%	02 Apr 2014	4.24%	4.2%	75%
	Available for remortgage only.
	Santander 2yr 3.39% Fixed R/M LTV 75% Direct	Fixed Rate	3.39%	02 Apr 2014	4.24%	4.2%	75%
	Available for remortgage only.
	Santander 2yr BBR + 2.94% Tracker H/P C/B LTV 60%	Tracker	3.44%	24 months	4.24%	4.2%	60%
	Woolwich Openplan FM 2yr BBR + 2.99% LTV 80%	Tracker	3.49%	28 Feb 2014	3.89%	4%	80%
	Woolwich Openplan 2yr BBR + 2.99% R/M C/B Ex/C LTV 80%	Tracker	3.49%	28 Feb 2014	3.89%	3.9%	80%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Woolwich Openplan 2yr BBR + 2.99% R/M Ex/C LTV 80%	Tracker	3.49%	28 Feb 2014	3.89%	3.9%	80%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Woolwich Openplan FM 2yr BBR + 2.99% Ex/C LTV 80%	Tracker	3.49%	28 Feb 2014	3.89%	3.9%	80%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Woolwich Openplan FM 2yr BBR + 2.99% R/M C/B LTV 80%	Tracker	3.49%	28 Feb 2014	3.89%	4%	80%
	Available for remortgage only.
	Woolwich Openplan FM 2yr BBR + 2.99% R/M LTV 80%	Tracker	3.49%	28 Feb 2014	3.89%	4%	80%
	Available for remortgage only.
	Santander 2yr 3.49% Fixed H/P C/B LTV 60% Ex/C	Fixed Rate	3.49%	02 Apr 2014	4.24%	4.2%	60%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Santander 2yr BBR + 3.04% Tracker H/P C/B LTV 75% Ex/C	Tracker	3.54%	24 months	4.24%	4.2%	75%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Woolwich Openplan FM 2yr 3.59% Fxd BBR LTV 80%	Fixed Rate	3.59%	28 Feb 2014	3.89%	4%	80%
	Santander 2yr 3.59% Fixed H/P C/B LTV 60%	Fixed Rate	3.59%	02 Apr 2014	4.24%	4.2%	60%
	Santander 2yr BBR + 3.14% Tracker H/P C/B LTV 75%	Tracker	3.64%	24 months	4.24%	4.2%	75%
	Santander 2yr BBR + 3.14% Tracker R/M C/B LTV 60%	Tracker	3.64%	24 months	4.24%	4.2%	60%
	Available for remortgage only.
	Santander 2yr BBR + 3.14% Tracker R/M LTV 60%	Tracker	3.64%	24 months	4.24%	4.2%	60%
	Available for remortgage only.
	Woolwich Openplan FM BBR + 3.19% LTV 70%	Tracker	3.69%	term	3.69%	3.8%	70%
	Woolwich Openplan FM BBR + 3.19% Offset R/M C/B LTV 70%	Tracker	3.69%	term	n/a	3.9%	70%
	Available for remortgage only.
	Woolwich Openplan FM BBR + 3.19% Offset LTV 70%	Tracker	3.69%	term	n/a	3.9%	70%
	Woolwich Openplan FM BBR + 3.19% Offset LTV 70%	Offset	3.69%	n/a	n/a	3.9%	70%
	Woolwich Openplan FM 3yr 3.69% Fxd BBR LTV 60%	Fixed Rate	3.69%	28 Feb 2015	3.89%	4%	60%
	Santander 2yr 3.69% Fixed H/P C/B LTV 75% Ex/C	Fixed Rate	3.69%	02 Apr 2014	4.24%	4.3%	75%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Santander 2yr 3.69% Fixed R/M C/B LTV 60% Ex/C	Fixed Rate	3.69%	02 Apr 2014	4.24%	4.2%	60%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Santander 2yr 3.69% Fixed R/M LTV 60% Ex/C	Fixed Rate	3.69%	02 Apr 2014	4.24%	4.2%	60%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website. Available for remortgage only.
	Santander 3yr 3.69% Fixed H/P C/B LTV 60%	Fixed Rate	3.69%	02 Apr 2015	4.24%	4.3%	60%
	Woolwich Openplan FM 2yr 3.74% Fxd BBR LTV 70%	Fixed Rate	3.74%	28 Feb 2014	3.89%	4%	70%
Full Results
	HSBC 2yr 1.95% Discount LTV 60% Special Direct	Discounted	1.99%	31 Mar 2014	3.94%	3.8%	60%
	Santander 2yr BBR + 1.59% Tracker R/M C/B LTV 60% Direct	Tracker	2.09%	24 months	4.24%	4%	60%
	Available for remortgage only.
	Santander 2yr BBR + 1.59% Tracker R/M LTV 60% Direct	Tracker	2.09%	24 months	4.24%	4%	60%
	Available for remortgage only.
	HSBC 2yr 2.24% Fixed LTV 60% Special Direct	Fixed Rate	2.24%	31 May 2014	3.94%	3.8%	60%
	Santander 2yr 2.35% Fixed LTV 60% Direct	Fixed Rate	2.35%	02 Apr 2014	4.24%	4.1%	60%
	HSBC Lifetime BBR + 1.89% LTV 60% Special Direct	Tracker	2.39%	term	n/a	2.5%	60%
	HSBC Lifetime BBR + 1.99% LTV 60% Special Direct	Tracker	2.49%	term	n/a	2.5%	60%
	HSBC Lifetime BBR + 2.09% LTV 70% Direct	Tracker	2.59%	term	n/a	2.7%	70%
	HSBC Lifetime BBR + 2.09% LTV 70% Ex/C Prem Dir	Tracker	2.59%	term	2.59%	2.7%	70%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	HSBC Lifetime BBR + 2.09% LTV 70% Ex/C Adv Dir	Tracker	2.59%	term	n/a	2.7%	70%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Bank of Ireland 2yr 2.78% Fixed BBR LTV 65% Direct	Fixed Rate	2.78%	31 Mar 2014	4.49%	4.3%	65%
	Britannia 2yr 2.79% Fxd LTV 60% Direct	Fixed Rate	2.79%	30 Apr 2014	4.24%	4.2%	60%
	Santander 2yr BBR + 2.34% Tracker H/P C/B LTV 60% Direct	Tracker	2.84%	24 months	4.24%	4.1%	60%
	Halifax 2yr BBR + 2.34% Tracker H/P C/B LTV 60% Ex/C Dir	Tracker	2.84%	31 Mar 2014	3.99%	4%	60%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Halifax 2yr BBR + 2.34% Tracker H/P LTV 60% Direct	Tracker	2.84%	31 Mar 2014	3.99%	4%	60%
	HSBC Lifetime BBR + 2.39% LTV 70% Direct	Tracker	2.89%	term	n/a	2.9%	70%
	Halifax 2yr 2.89% Fixed H/P C/B LTV 60% Ex/C Direct	Fixed Rate	2.89%	31 Mar 2014	3.99%	4%	60%
	Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
	Halifax 2yr 2.89% Fixed H/P LTV 60% Direct	Fixed Rate	2.89%	31 Mar 2014	3.99%	4%	60%
	Halifax 2yr BBR + 2.44% Tracker R/M C/B LTV 60% Direct	Tracker	2.94%	31 Mar 2014	3.99%	4%	60%
	Available for remortgage only.
	Halifax 2yr BBR + 2.44% Tracker R/M LTV 60% Direct	Tracker	2.94%	31 Mar 2014	3.99%	4%	60%
	Available for remortgage only.
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How to Find the Best Shared Ownership Mortgages

If you are looking to buy a share of your new home then you will probably need a shared equity mortgage. Sometimes called a ‘part buy part rent mortgage’, these deals allow you to buy a percentage share of your new home.

But what are shared equity mortgages? And how do you find the best shared ownership mortgage lenders and deals?

What are shared equity mortgages?

When you buy a shared ownership property you buy a percentage stake in the property. This is normally around 25 to 50 per cent. You then typically pay a monthly rent to a housing association for the remaining ‘share’ of the property.

You can generally then buy additional portions of the property at a later date (this is called ‘staircasing’).

These schemes are popular with first time buyers as it means you can buy part of a home even if you don’t have a large income or a big deposit.

To buy such a property you can take out a shared ownership mortgage. The interest rates, fees and criteria for these loans vary from lender to lender and so it’s important to shop around before signing up for a deal.

Compare shared ownership mortgages before you sign up

There are lots of shared ownership mortgage providers in the market and so it is worth undertaking some research before you agree to a deal.

When you compare shared ownership mortgages it is important to take the following factors into account:

The amount of deposit that you need

Even if you’re only buying/borrowing 50 per cent of the property’s value you may still have to put a 5-10 per cent deposit down depending on the lender.

The rent you'll need to cover

The rent that you pay to the housing association will generally be classed as a commitment when a shared ownership lender calculates the mortgage amount they are prepared to offer. When looking at income multiples you should take this into account.

Which lenders offer these deals.

Many major lenders offer shared equity mortgages but not all.

The interest rates and deals on offer

Make sure you carefully research all the shared ownership mortgage deals on the market to find the right part buy part rent mortgage for you.

Take into account the fees and charges you'll need to pay as well as the rate of interest you'll be charged, and remember to check how flexible the mortgage is i.e. whether you can make overpayments, move the mortgage if you move property, and take a mortgage holiday if you need to.

Comparing shared ownership mortgages online is the easiest way to see which shared ownership mortgage lenders offer the most suitable deal for you.

	Tracker		Remortgages
	Fixed Rate		First Time Buyer
	Buy To Let