Shared Ownership Mortgages

Looking for a way onto the property ladder?


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Shared Ownership is a government scheme that’s designed to make homeownership possible for as many people as possible. In short, you can buy a share of between 25% and 75% in a new home through a housing association and pay rent on the rest.

Our mortgage brokers can help you secure a home with a specialist Shared ownership mortgage that will be affordable today and give you the opportunity to buy a larger share by ‘staircasing’ when you’re able to. The cost of your new share will depend on how much your home is worth when you’re ready to buy a greater share of up to 100% when your home will be all yours.


Helping thousands to buy a new home.

To qualify, your household will need to earn £80,000 or less a year, or £90,000 or less in London. You’ll need to be a first-time buyer, an existing shared owner or a former homeowner who can’t afford to buy a home now.

The Shared Ownership scheme is helping thousands of people make their move into a new home. If this sounds like an opportunity for you, our expert team of mortgage brokers can give you all the advice you need on the scheme from affordability to your eligibility. We are here to guide you though the whole mortgage application process that you’ll need to secure your share in a new home.

Charters Financial Services are associated with a number of housing associations and can also give you guidance on the best places to start your hunt for your perfect home.

In fact, we are delighted to be working in partnership with Vivid, appearing on their exclusive panel of Mortgage Brokers where we will be able to assist in this area with our expertise and experience.


If you want to know more about how Shared Ownership works, read our expert guides or call us on 08454 500200. With mortgage brokers in Winchester, Southampton, Farnham, Bishops Waltham, Alton, Chandlers Ford, Alresford, Romsey and Park Gate, you are never too far from mortgage help.


Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

Your Answers

Having used charters to secure our first mortgage in 2018, we’ve returned to them to secure our first ever remortgage this year. We had such a great experience with them as first time buyers, that we’ve become back to them again - and I’m so happy we did. This time Robert Ferguson has looked after us to get the deal we wanted. He’s patient, informative and he delivers a service that has been nothing short of excellent. The whole process as been made as stress free as possible, during what is quite an uncertain and unnerving economic time. Rob took us through a number of options in accordance to our needs and found us a fantastic product that we are very happy with. Once application had been submitted, having secured a fantastic rate, we were then looked after by Cara Simpson-Hayter. Cara has been absolutely fantastic and has kept us informed through every step of the application process. She has chased up various parties to get the info we needed and to speed the application along with the lender. Cara is incredibly efficient and effective and has been truly wonderful throughout. Both Rob and Cara have addressed all our concerns and answered ALL our questions (there were a few having only gone through this once before!) leaving us feeling confident and at ease the whole time. Again the service that has been provide has been thoroughly excellent, we couldn’t be in better hands. Thank you so much for making this such a painless process in what is quite a stressful time! We cannot recommend Charter’s enough and we will definitely be using them again in future! Thank you Rob and Cara!!

Oliver & Caroline H

June 2020

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