Compare shared ownership mortgages

You could buy 25-75% of a property with a shared ownership mortgage and repay the mortgage plus rent on the part you don't own.

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732 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 5 year fixed
Maximum LTV
80%
Initial rate
1.94% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.0% 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:

- 3.00% of amount paid, before 30 Nov 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 end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 2 year fixed
Maximum LTV
60%
Initial rate
0.91% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.3% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

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 fixed cashback remortgage
Maximum LTV
60%
Initial rate
0.91% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

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
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 2 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
0.91% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% APRC
Available to existing borrowers not moving only.
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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 2 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
0.91% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
Available to existing borrowers moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 2 year fixed remortgage
Maximum LTV
60%
Initial rate
0.91% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

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
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 3 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
0.91% fixed for 3 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.8% APRC
Available to existing borrowers not moving only.
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:

- 2.00% of the outstanding balance, in the first year

- 1.50% of the outstanding balance, in the second year

- 0.75% of the outstanding balance, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
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
Maximum LTV
60%
Initial rate
0.92% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.3% 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:

- 2.00% of amount paid, before 30 Nov 2023

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 end70 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Barclays 2 year fixed cashback remortgage
Maximum LTV
60%
Initial rate
0.92% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.2% 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:

- 2.00% of amount paid, before 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Barclays 2 year fixed remortgage
Maximum LTV
60%
Initial rate
0.92% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% base rate tracker
Overall cost for comparison
3.2% 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:

- 2.00% of amount paid, before 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end70 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
HSBC 2 year fixed
Maximum LTV
60%
Initial rate
0.94% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.54% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking fee£999 with an option to add to the loan
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, in the first year

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

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 end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Nationwide 2 year fixed
Maximum LTV
60%
Initial rate
0.94% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% 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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

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 fixed cashback remortgage
Maximum LTV
60%
Initial rate
0.94% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% 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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

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
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 2 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
0.94% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
Available to existing borrowers moving only.
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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 2 year fixed remortgage
Maximum LTV
60%
Initial rate
0.94% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% 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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

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
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 3 year fixed
Maximum LTV
60%
Initial rate
0.94% fixed for 3 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.0% 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:

- 2.00% of the outstanding balance, in the first year

- 1.50% of the outstanding balance, in the second year

- 0.75% of the outstanding balance, in the third year

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 3 year fixed cashback remortgage
Maximum LTV
60%
Initial rate
0.94% fixed for 3 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.9% 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:

- 2.00% of the outstanding balance, in the first year

- 1.50% of the outstanding balance, in the second year

- 0.75% of the outstanding balance, in the third year

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
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 3 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
0.94% fixed for 3 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.9% APRC
Available to existing borrowers moving only.
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:

- 2.00% of the outstanding balance, in the first year

- 1.50% of the outstanding balance, in the second year

- 0.75% of the outstanding balance, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Existing Borrowers Only
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Nationwide 3 year fixed remortgage
Maximum LTV
60%
Initial rate
0.94% fixed for 3 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.9% 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:

- 2.00% of the outstanding balance, in the first year

- 1.50% of the outstanding balance, in the second year

- 0.75% of the outstanding balance, in the third year

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
Remortgage Available
Remortgage Only
Self Employed Accepted
Santander 2 year fixed cashback remortgage
Maximum LTV
60%
Initial rate
0.98% fixed until 02 Nov 2023
Subsequent rate (SVR)
3.35% base rate tracker
Overall cost for comparison
2.9% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,249 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 the outstanding balance, before 02 Nov 2023

- £250 cashback needs to be repaid before 02 Sep 2023

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
Remortgage Available
Remortgage Only
Self Employed Accepted
Santander 2 year fixed remortgage
Maximum LTV
60%
Initial rate
0.98% fixed until 02 Nov 2023
Subsequent rate (SVR)
3.35% base rate tracker
Overall cost for comparison
2.9% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,249 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 the outstanding balance, before 02 Nov 2023

- £200 fees contribution needs to be repaid before 02 Sep 2023

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
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 2 year fixed cashback mortgage for first time buyers
Maximum LTV
60%
Initial rate
0.99% fixed for 2 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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:

- 1.50% of the outstanding balance, in the first year

- 0.75% of the outstanding balance, in the second year

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
Nationwide 5 year fixed
Maximum LTV
60%
Initial rate
0.99% fixed for 5 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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 the outstanding balance, in the first two years

- 2.50% of the outstanding balance, in the third year

- 1.75% of the outstanding balance, in the fourth year

- 0.75% of the outstanding balance, in the fifth year

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 5 year fixed cashback remortgage
Maximum LTV
60%
Initial rate
0.99% fixed for 5 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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 the outstanding balance, in the first two years

- 2.50% of the outstanding balance, in the third year

- 1.75% of the outstanding balance, in the fourth year

- 0.75% of the outstanding balance, in the fifth year

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
Remortgage Available
Remortgage Only
Self Employed Accepted
Nationwide 5 year fixed for existing borrowers
Maximum LTV
60%
Initial rate
0.99% fixed for 5 years
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.4% APRC
Available to existing borrowers moving only.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 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 the outstanding balance, in the first two years

- 2.50% of the outstanding balance, in the third year

- 1.75% of the outstanding balance, in the fourth year

- 0.75% of the outstanding balance, in the fifth year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
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 to find a shared ownership mortgage

Shared ownership mortgages are part of a government scheme that could help you buy a property if you're a first time buyer, or have a low income. You can take out a mortgage on the share you own (usually between 25% and 75%) and pay rent on the rest.

How do mortgages for shared ownership work?

If you can't afford a mortgage on 100% of a property, you could take out a shared ownership mortgage. They come from shared ownership mortgage lenders, and can be used to buy between 25% and 75% of a home. A housing association owns the rest of your home, and you pay rent to them.

For example, if you got a mortgage to buy 75% of a £200,000 property, your 75% shared ownership would be worth £150,000. You would pay rent on the remaining 25% that is owned by the housing association.

How much does shared ownership cost?

There are a number of costs to take into account with a shared ownership property. You usually have to pay:

The mortgage

You take out a mortgage for shared ownership on the portion of the property that you own. You can check how much the mortgage will cost using a shared ownership mortgages calculator.

Getting a shared ownership and buying a house also come with several other fees and costs that you will need to take into consideration.

A deposit: 50% shared ownership example

This is the amount of cash you will need to pay towards buying your home. Deposits are typically 5% or more of the share of the property you buy.

For example, if you bought 50% shared ownership of a £200,000 house, your share would be worth £100,000. A 5% deposit on this amount would be £5,000.

You’ll also need to factor in the other costs associated with moving, such as legal fees, stamp duty and any management fees for the property.

Rent

The housing association will charge rent on the share of the property they own. The more of your property you own yourself, the less rent you will pay.

What are the advantages and disadvantages of shared ownership?

Shared ownership is a scheme designed to help first-time buyers and households with lower incomes to own a home, which may otherwise not be possible. There are a number of advantages to shared ownership properties:

    Equally, there are disadvantages to consider before choosing a shared ownership property:

      Can you buy a bigger share of your property over time?

      You can buy additional shares of your home until you own 100% of the property, through ‘staircasing’. In order to staircase, you will need to pay your housing association to carry out a mortgage valuation. Typically, you can buy additional shares of your property in 10% increments, based on the value of your home at the time you purchase the extra shares. 

      Although increasing the share that you own will raise your co-ownership mortgage payments, you will reduce the amount of rent that you pay and through staircasing, you could eventually own your home outright.

      Shared ownership vs. shared equity

      Shared ownership and shared equity are different schemes designed to help people on to the property ladder. They operate in different ways: with shared ownership, you buy a share of a property and pay rent to a housing association on the rest of the property. 

      In contrast, shared equity provides a loan for a portion of the property value. Both schemes require the buyer to take out a mortgage for the remaining value of the property price. You can find out more about the Help to Buy shared equity scheme in the UK here.

      Is shared ownership available all over the UK?

      The UK schemes include shared ownership England, Shared ownership Wales, Shared ownership Scotland and FairShare in Northern Ireland.

      Shared ownerships: Remortgages

      If you already own your home through the mortgages shared ownership scheme, you could save money by getting a shared equity remortgage if you can find a cheaper deal. 

      Compare the best shared ownership mortgages

      Find out how much you can borrow with a shared ownership mortgages calculator and compare shared ownership mortgages using this comparison table. Find deals available from shared ownership mortgage lenders throughout the UK.

      By using the shared ownership mortgage comparison you should be able to find the best shared ownership mortgage rates to suit your needs.

      Shared ownership mortgage FAQs

      Yes, if your household income is £80,000 a year or less. If you live in London the limit is £90,000.

      Here is how to save up for a deposit. Saving a 5% deposit gives you a better chance of being accepted and could help you get a 5% shared ownership mortgage.

      Yes, your credit record does matter. Lenders will want to see proof of your ability to keep up your mortgage repayments. They will take a look at your spending habits and assess your affordability, which may impact how much you can borrow. Here is more on why your credit record matters.

      You can check if you can afford one by working out how much you earn and spend. Compare this to how much buying a home will cost you.

      These are alternative names for shared ownership mortgages.

      Yes, this mortgage broker could help you find a suitable deals from shared ownership mortgage companies by looking at your financial circumstances.

      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.

      Last updated: 2 July, 2021