Helping You Take Your First Step onto the Property Ladder.

Buying a first home can seem out of reach if saving a large deposit is difficult. Shared Ownership is a Government-backed scheme allowing eligible buyers to purchase a share of a property, typically between 10% and 75%, while paying rent on the remaining share to a housing association.

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How We Can Help

Explaining how Shared Ownership works.
Assessing affordability and borrowing requirements.
Helping you understand eligibility criteria.
Searching a wide range of UK lenders, including Shared Ownership specialists.
Explaining deposits, rent, service charges and other costs.
Helping you obtain an Agreement in Principle.
Managing your application from submission through to completion.
Liaising with lenders, solicitors, estate agents and housing associations.

Modern UK apartment development suited to Shared Ownership

What Is Shared Ownership?

Shared Ownership allows eligible buyers to purchase a share of a property, typically between 10% and 75%, while paying rent on the remaining share to a housing association or registered provider.

Over time, many Shared Ownership schemes allow you to purchase additional shares in your property, known as staircasing, until you own a larger percentage or, in some cases, 100% of your home.

The scheme is designed to make home ownership more accessible for people who may not be able to purchase a property outright.

Staircasing

If you already own a Shared Ownership property, you may be able to purchase additional shares in your home through a process known as staircasing. We can advise you on:

Arranging Your Mortgage

Helping you arrange a mortgage to purchase additional shares in your Shared Ownership property.

Remortgaging Options

Advising on remortgaging options when purchasing additional shares.

Reviewing Your Mortgage

Reviewing your existing mortgage to ensure it continues to meet your needs.

Exploring Lenders

Exploring mortgage options available from a wide range of UK lenders.

Why Choose Us?

Whole of Market

We search a wide range of UK mortgage lenders rather than recommending the same solution to every client.

Personal & Friendly

Advice tailored to your individual circumstances, with clear communication and no unnecessary jargon.

Support Throughout

From your initial enquiry through to completion, and ongoing assistance afterwards.

Who Could Benefit from Shared Ownership?

Shared Ownership may be suitable for:

First-Time Buyers

Buyers taking their first step onto the property ladder.

Previous Homeowners

People who previously owned a home but can no longer afford to buy one.

Home Movers

Home movers who meet the eligibility criteria.

Moderate Income Households

Individuals and families on moderate incomes.

Key Workers

Key workers looking for an accessible route to home ownership.

Buyers Saving a Deposit

Buyers struggling to save a large deposit.

Eligibility criteria apply and may vary depending on the scheme and the housing association.

Protecting Your Home and Your Family

Buying your home is one of the biggest financial commitments you'll ever make. We can also advise you on:

These products can help protect your home and provide financial security for you and your family should the unexpected happen.

Our Service Includes

Searching a wide range of UK lenders.
Identifying lenders whose criteria may suit your circumstances.
Explaining the mortgage process in straightforward language.
Managing your application from start to finish.
Working closely with housing associations, solicitors and lenders to help keep your purchase progressing smoothly.

Start Your Journey to Home Ownership

Shared Ownership has helped thousands of people take their first step onto the property ladder. With the right advice and support, the process can be much simpler than you might expect. Whether you're buying your first Shared Ownership home, moving to another Shared Ownership property or purchasing additional shares through staircasing, we'll help you understand your options and guide you through every stage of the process. Contact us today to arrange your initial consultation and take the next step towards owning your home.