Own Your Home for Less With
Shared Ownership
Shared Ownership allows you to buy a share of a property and pay rent on the rest. With lower deposit requirements and flexible options to increase your share over time, it’s one of the most accessible ways to become a homeowner.
“Start small. Build your share. Own your future.”
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
A Simple Way to Step Into Homeownership
Shared Ownership is a government-backed scheme designed to help people who can’t afford to buy a home outright.
You start by purchasing a portion of a property, usually between 10% and 75% and pay rent on the remaining share.
Over time, you can buy more of the home called “staircasing”, eventually owning it outright if you choose.
This flexible approach makes homeownership more achievable, especially for first-time buyers.
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Lower deposit requirements
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Buy only the share you can afford
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Option to increase ownership over time
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Backed by housing associations & approved providers
Who Can Apply?
First-Time Buyers
Ideal if you can’t afford full market value right away.
Previous Homeowners
For those who have sold or no longer own a home.
People With Limited Deposits or Lower Incomes
Buy a smaller share to get started.
Key Workers
Teachers, NHS staff, police and similar roles often prioritised.
Single Applicants
Perfect for solo buyers, especially in higher-priced areas.
Why Choose Shared Ownership?
Lower Deposit Costs
Your deposit is based on the portion you buy — not the entire property.
Affordable Monthly Payments
Rent is subsidised and often cheaper than renting privately.
Flexible Ownership Growth
Increase your share when your finances grow — no pressure.
Increase Your Share Over Time
You can buy small increments or large portions, whatever suits your budget.
How It Works:
Request a valuation
An independent surveyor assesses the current value of your home.
Choose how much more to buy
Typically 5%–10% minimum increments.
Update ownership and reduce rent
The more you own, the lower your rent becomes.
Common Concerns — Made Simple
Confused about eligibility?
We guide you through requirements and help confirm your qualification levels.
Unsure how much you can afford?
We calculate both your share and rent affordability.
Worried about lease terms?
We help you understand fees, rent increases, and staircasing rules.
Not sure which lenders accept Shared Ownership?
We work with lenders who specialise in Shared Ownership products.
Your Path to Shared Ownership
Book an Initial Conversation
Arrange a free chat with one of our qualified mortgage advisers, either face-to-face, online or over the phone.
Secure Your Share & Move In
We handle the paperwork and liaise with lenders and housing associations.
Ready to Start?
Shared Ownership FAQs
1. Is Shared Ownership only for first-time buyers?
No — some second-time buyers also qualify if they no longer own a home.
2. Can I sell my share later?
Yes, and we can guide you through the resale process.
3. Will my rent increase?
Rent is reviewed annually but usually follows regulated guidelines.
4. Can I buy extra shares at any time?
Yes — as long as your lease allows staircasing.
5. Do all lenders offer Shared Ownership mortgages?
No, but we work closely with those who do.
Get Expert Mortgage Advice Today
Let’s have a quick chat. No pressure, just honest guidance.
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Success Stories From Shared Ownership Buyers
Your First Step Toward Home ownership Starts Here
We’ll help you navigate Shared Ownership with confidence and clarity.
