Mortgages » Shared Equity & Shared Ownership Mortgages

Shared Equity & Shared Ownership Mortgages

Often a cause for confusion, Shared Equity and Shared Ownership mortgages are different. The Shared Equity scheme offers the opportunity for you to own all of the property you are looking to buy, but you receive a loan on your deposit. Shared Ownership will result in you owning a portion of your home however, you may have the opportunity to buy back more of it at a later date.

What are the benefits of Shared Equity?

Shared Equity is an excellent solution for those finding it difficult to get on to the property ladder. The property buyer is granted a loan that contributes towards the mortgage, therefore enabling access to cheaper mortgage rates than those that would have been accessible with less deposit.

What are the benefits of Shared Ownership?

The Shared Ownership scheme is an alternative solution for first time buyers and home movers when you are unable to afford 100% of a home. Shared ownership grants the opportunity to own between 25-75% of the property, with scope to buy back more of your home in the future.

How can I get shared ownership of a property?

You can buy your new home through the shared ownership scheme if:

  • You are a first-time buyer or a home mover who can’t afford 100% of the new one.
  • You currently rent a council or housing association property.
  • Your household earns less than £80,000 a year outside of London, or less than £90,000 in London.

If you still have questions surrounding Shared Equity or Shared Ownership mortgages contact We’ll guide you through your purchase with a wealth of knowledge and expertise behind us.

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