Shared Ownership Mortgages

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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, Sovereign Housing and Hyde Housing, appearing on their exclusive panels 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 03454 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

Absolutely fantastic service from Stephanie very knowledgeable and explained everything superbly, and made me feel very comfortable and confident in the whole process or organising my remortgage. Would highly recommend Charters Financial Services.

Mark S

March 2020

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