Rates updated: 28 December 2024
Fast Decisions
No Obligation
No upfront fees
No minimum term
National Coverage
Adverse Considered
Staircasing to Full Ownership
Up To 95% New Build Flats & Houses
A shared ownership scheme enables a prospective house buyer to purchase a property with 100% ownership, whilst only paying a percentage of the market value. The remainder of balance is provided by a lender who shares the equity.
You can take out a mortgage for your share of the home and pay rent on the remainder. Applicants can buy between 25% and 75% of the property and buying a larger share later at a price based on the value of the property at the time is also possible.
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You must be at least 18 years of age. Your annual household must not exceed £80,00 (£90,000 - London). You should be unable to buy a home on the open market. You should not be in any arrears.
You are purchasing a percentage of the property and effectively paying rent of the remainder. You can at a later point buy more of the property. The amount you would pay is based on an independant valuation.
From receiving your enquiry, we will contact you to assess in detail your requirements. This will include a breakdown of income and expenditure to ensure you have the means to repay the loan. Once we have these details we can match you with the best deal from our lenders.
Yes. This is often referred to as 'staircasing'. When you have the funds available, you can normally staircase in a minimum of 10% payments.
A soft search will generally be carried out initially upon application which doesn't affect your credit score. You will be able to see this search on your credit report, but it wont be visible to other lenders. A full credit search will be performed when you sign the relevant paperwork/ application forms.
Regardless of your credit history our team will endeavour to find you the loan with the lowest interest rate and terms to suit your needs. Even if you have been refused previously, defaulted on a loan or have CCJs we may still be able to help.