Shared Ownership Mortgages

Are you struggling to get on the property ladder?

You won’t be alone. Others find it hard to get a mortgage because they don’t earn enough or can’t raise a big enough deposit to qualify for a loan.

But there is a potential solution – Shared Ownership mortgages.Shared Ownership

Shared ownership is where you part own and part rent a property with the help of one of the country’s many housing associations and a shared ownership mortgage. Depending on the association, the part you buy could be as low as 25% of the value of the property. Generally, you only need to raise a deposit on the share of the property you will own. As a guide, this could be as low as 5%.

As part of the shared ownership mortgage deal, you could then buy further shares over time until you own 100% of the property. In the meantime, you pay a subsidised rent to the housing association on the share you don’t own.

There are criteria you need to meet to qualify for shared ownership mortgages and a financial assessment will be carried out. However, you don’t have to be what was described as a ‘key worker’ under a previous scheme.

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Please note: This calculator is provided as a guide only.

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Central Financial Services is a trading style of Central Financial Services (UK) Ltd which is an appointed representative of HL Partnership Ltd which is authorised and regulated by the Financial Conduct Authority. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but we estimate it will be £250. Your home(property) may be repossessed if you do not keep up repayments on your mortgage. Please note Buy to Let mortgages are not regulated by the FCA. Registered in England and Wales Reg. 8807671 Registered Address: 170 Halton Road, Sutton Coldfield, B73 6NZ.