Shared Ownership Mortgage Advice

On a low income, but still want to make your move?

Talk to us.


Shared Ownership is a government scheme that’s designed to make homeownership possible even if your household has a low income. 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.

We 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 of low earners 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 with a low income make their move into a new home. If this sounds like an opportunity for you, our expert team can give you all the advice you need on the scheme, from affordability to eligibility and hold your hand as you apply for the mortgage you’ll need to secure your share in a new home.

We’re 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 Advisers 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.


Your Answers

Had the pleasure of working with gavin torpey for the past 4 years of sorting out my mortgage and getting where I am now,his dedication and personal one on one experience in the industry ,is second to none ,that's why I keep coming back to him ,as I no i always get first class service, and leave it in his capable hands.

Dan W

October 2020

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