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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130 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
55%
Initial rate
1.12% fixed until 29 Feb 2024
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 29 Feb 2024

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
60%
Initial rate
1.14% fixed until 29 Feb 2024
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 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

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 shared equity cashback remortgage
Maximum LTV
60%
Initial rate
1.14% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
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£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 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

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 2 year fixed for existing borrowers
Maximum LTV
75%
Initial rate
1.19% fixed until 29 Feb 2024
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 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

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
1.27% fixed until 29 Feb 2024
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 29 Feb 2024

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
1.31% fixed until 28 Feb 2027
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 28 Feb 2027

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
55%
Initial rate
1.33% fixed until 28 Feb 2027
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 28 Feb 2027

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 5 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
1.34% fixed until 28 Feb 2027
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 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

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
1.37% fixed until 29 Feb 2024
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 29 Feb 2024

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 5 year fixed for existing borrowers
Maximum LTV
75%
Initial rate
1.39% fixed until 28 Feb 2027
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 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

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
1.39% fixed until 28 Feb 2027
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.7% 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 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

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
1.41% fixed until 28 Feb 2027
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 28 Feb 2027

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
Nationwide 2 year BBR tracker
Maximum LTV
80%
Initial rate
1.44% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% 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£999 with an option to add to the loan
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 2 year BBR tracker cashback mortgage for first time buyers
Maximum LTV
80%
Initial rate
1.44% base rate tracker for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% 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£999 with an option to add to the loan
Additional information

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
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
1.44% fixed until 29 Feb 2024
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 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

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
85%
Initial rate
1.54% fixed until 29 Feb 2024
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 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

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
60%
Initial rate
1.54% fixed until 29 Feb 2024
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 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

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 shared equity cashback remortgage
Maximum LTV
60%
Initial rate
1.54% fixed until 29 Feb 2024
Subsequent rate (SVR)
3.59% variable
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 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 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

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
60%
Initial rate
1.54% fixed until 28 Feb 2027
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.6% 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 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

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
75%
Initial rate
1.59% fixed until 29 Feb 2024
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 28 Feb 2023

- then 1.00% of amount paid, until 29 Feb 2024

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
75%
Initial rate
1.59% fixed until 28 Feb 2027
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 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 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

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
1.59% fixed until 28 Feb 2027
Subsequent rate (SVR)
3.59% variable
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 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 28 Feb 2023

- then 4.00% of amount paid, until 29 Feb 2024

- then 3.00% of amount paid, until 28 Feb 2025

- then 2.00% of amount paid, until 28 Feb 2026

- then 1.00% of amount paid, until 28 Feb 2027

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
1.61% fixed until 29 Feb 2024
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 29 Feb 2024

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
1.64% fixed until 28 Feb 2027
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 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 28 Feb 2027

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
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
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 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 comparison3.66% APRC representative
Initial rate2.14% fixed for 2 years (24 instalments of £719.56pm)Subsequent rate (SVR)3.88% variable for the remaining 23 years (276 instalments of £876.14pm)
Lender fee£544Total amount payable£259,626.86

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:

  • House builders

  • Local authorities

  • Government initiatives

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:

  • Pay a 5% deposit of £15,000 from your own savings

  • Get a 20% equity loan of £60,000

  • Apply for a mortgage for the remaining 75%, which would be £225,000

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:

  • Work out your total deposit: This is your savings plus the equity loan. For example if you have 5% and the loan is 20%, you have a 25% deposit and will need a mortgage with an LTV of at least 75%.

  • Think about what term you want: Most shared equity mortgage come with a fixed initial rate term of 2 or 5 years.

  • Use our comparison to find a low rate: Compare mortgages that offer the term you want and with a low enough LTV for the deposit you have.

Shared equity mortgage FAQs

About our mortgage comparison

Last updated: 11 October, 2021

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