Compare shared equity mortgages

Compare shared equity mortgages if you need help getting on the property ladder. You can use them to buy a home using either a shared equity or a property developer's scheme.

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117 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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Barclays 2 year fixed shared equity
Maximum LTV
75%
Initial rate
1.59% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 5 year fixed shared equity
Maximum LTV
75%
Initial rate
1.63% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
2.9% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Aug 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
0.94% fixed until 31 Aug 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2022

- then 1.00% of amount paid, until 31 Aug 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 2 year fixed shared equity
Maximum LTV
55%
Initial rate
1.05% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.2% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed for existing borrowers
Maximum LTV
75%
Initial rate
1.09% fixed until 31 Aug 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2022

- then 1.00% of amount paid, until 31 Aug 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 5 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
1.19% fixed until 31 Aug 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.7% APRC
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2022

- then 4.00% of amount paid, until 31 Aug 2023

- then 3.00% of amount paid, until 31 Aug 2024

- then 2.00% of amount paid, until 31 Aug 2025

- then 1.00% of amount paid, until 31 Aug 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 5 year fixed shared equity
Maximum LTV
55%
Initial rate
1.25% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
2.8% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Aug 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed shared equity cashback remortgage
Maximum LTV
60%
Initial rate
1.34% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
TSB 5 year fixed for existing borrowers
Maximum LTV
75%
Initial rate
1.34% fixed until 31 Aug 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.7% APRC
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2022

- then 4.00% of amount paid, until 31 Aug 2023

- then 3.00% of amount paid, until 31 Aug 2024

- then 2.00% of amount paid, until 31 Aug 2025

- then 1.00% of amount paid, until 31 Aug 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 2 year fixed shared equity
Maximum LTV
75%
Initial rate
1.49% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 5 year fixed shared equity
Maximum LTV
75%
Initial rate
1.53% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
2.9% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£749 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Aug 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Leeds Building Society 2 year fixed shared equity
Maximum LTV
75%
Initial rate
1.69% fixed until 31 Oct 2023
Subsequent rate (SVR)
5.29% variable
Overall cost for comparison
4.5% APRC
The initial rate will be followed by a rate of 4.04% until 31 Oct 2026 (1.25% discount on SVR).
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Oct 2021

- then 2.00% of amount paid, until 31 Oct 2022

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 3 year discount shared equity
Maximum LTV
75%
Initial rate
1.69% for 3 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.2% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£600 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 3 year discount shared equity remortgage
Maximum LTV
75%
Initial rate
1.69% for 3 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.2% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£850 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newbury Building Society 5 year discount shared equity
Maximum LTV
75%
Initial rate
1.69% for 5 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
2.9% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£600 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 5 year discount shared equity remortgage
Maximum LTV
75%
Initial rate
1.69% for 5 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
2.9% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£850 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
TSB 2 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
1.69% fixed until 31 Aug 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2022

- then 1.00% of amount paid, until 31 Aug 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed for existing borrowers
Maximum LTV
80%
Initial rate
1.79% fixed until 31 Aug 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2022

- then 1.00% of amount paid, until 31 Aug 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 5 year fixed shared equity cashback remortgage
Maximum LTV
60%
Initial rate
1.79% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.9% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Barclays 5 year fixed shared equity
Maximum LTV
75%
Initial rate
1.85% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.0% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Aug 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Leeds Building Society 5 year fixed shared equity
Maximum LTV
75%
Initial rate
1.85% fixed until 31 Oct 2026
Subsequent rate (SVR)
5.29% variable
Overall cost for comparison
4.0% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Oct 2023

- then 4.00% of amount paid, until 31 Oct 2024

- then 3.00% of amount paid, until 31 Oct 2025

- then 2.00% of amount paid, until 31 Oct 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed shared equity cashback remortgage
Maximum LTV
60%
Initial rate
1.89% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Barclays 2 year fixed shared equity
Maximum LTV
75%
Initial rate
1.9% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.3% APRC
This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 2 year fixed for existing borrowers
Maximum LTV
75%
Initial rate
1.94% fixed until 31 Aug 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 31 Aug 2022

- then 1.00% of amount paid, until 31 Aug 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
TSB 5 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
1.94% fixed until 31 Aug 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.9% APRC
Available to existing borrowers not moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2022

- then 4.00% of amount paid, until 31 Aug 2023

- then 3.00% of amount paid, until 31 Aug 2024

- then 2.00% of amount paid, until 31 Aug 2025

- then 1.00% of amount paid, until 31 Aug 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison3.72% APRC representative
Initial rate2.30% fixed for 2 years (24 instalments of £741.17pm)Subsequent rate (SVR)3.92% variable for the remaining 23 years (276 instalments of £879.17pm)
Lender fee£584Total amount payable£261,022.71

How do shared equity mortgages work?

Shared equity is when you borrow money, known as an equity loan, to help form part of your deposit when you buy a new home.

You then take out a shared equity mortgage to cover the remaining purchase price of the property you want to buy.

You will still need to provide some of the deposit yourself, usually at least 5%. Use the comparison above to find a shared equity mortgage that suits your needs.

How do you get an equity loan?

Through an equity share scheme, which can be offered by:

    You can apply for the government Help to Buy scheme, which offers buyers an equity loan of up to 20% of the purchase price on new build properties.

    You can find out more about how the Help to Buy scheme works here.

    A shared equity example

    If you bought a home that cost £300,000 you could:

      Most schemes allow you to pay back the equity loan as a lump sum, usually when you sell your home.

      The amount you repay will be based on the market value at the time. So if your home has gone up in value to £400,000 when you want to pay back the loan, you would need to repay 20% of this amount, which would be £80,000.

      How to find the right shared equity mortgage

      To find a shared equity mortgage:

        Shared equity mortgage FAQs

        Yes, you will legally own all of your property, but you will need to repay your equity loan as well as your mortgage.

        No, you need to get a mortgage designed to work with the scheme. The deals in this comparison can be used with shared equity schemes.

        You can usually repay the loan in full at any time, but if you sell you must repay what you owe to the lender.

        The amount is based on the market value of your home when you repay, e.g. If you sell for £200,000 with a 20% equity loan you would repay £40,000.

        Yes, some remortgage deals are available. Alternatively, a remortgage for up to 95% of the property's value could be used to repay the equity loan.

        About our mortgage comparison

        We include mortgages from every lender in the UK. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.

        We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
        You do not pay any extra and the deal you get is not affected.