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Shared ownership
Helping your clients buy a share of a home, whilst paying rent on the rest.
Place your case Place your case
We support the Government’s Help to Buy Shared Ownership scheme in England and Wales, which enables buyers to purchase a share of the property on a leasehold basis and pay rent on the un-owned share. Available for up to 95% of client share.
The detail
85%, 90% and 95% of share LTV options available, subject to affordability
Loans available up to 75% LTV
Available for purchase and remortgage
- Select credit criteria applies
- Available on new build and existing properties
- Family gifted deposits accepted
- Debt management plans accepted
- The lease must be in the standard model format produced by the Homes and Communities Agency incorporating a Mortgage Protection Clause
- The lease must allow staircasing up to 100% ownership and have no re-sale or section 106 restrictions
We only accept shared ownership scheme providers registered in England and Wales with the Homes and Communities Agency (Homes England) (Registered providers of social housing - updated monthly - GOV.UK (www.gov.uk) and the Welsh Assembly (Shared Ownership-Wales), Registered social landlords |GOV.WALES.
