Trusted Shared Ownership Mortgage Broker
Dreaming of Owning a Home? Shared Ownership Could Be the Key
Let’s be honest – getting onto the property ladder in the UK today can feel impossible. Rising house prices, tighter lending criteria, and the pressure to save a huge deposit can leave many would-be homeowners feeling stuck. That’s where shared ownership mortgages come in — and where we, your friendly shared ownership mortgage broker, step in to help.
If you’re tired of renting and watching your money disappear with nothing to show for it, you’re not alone. Shared ownership is a real, affordable way to make your homeownership dream a reality – and we’re here to guide you through every step.
What Is Shared Ownership?
Shared ownership is a government-backed scheme designed to help people who can’t afford to buy a home outright. It allows you to buy a portion of a property (usually 25% to 75%) and pay rent on the rest. Over time, you can choose to increase your share (a process known as “staircasing“) until you own your home outright – or to whatever percentage fits your lifestyle and finances.
Key benefits of shared ownership include:
A lower deposit compared to full ownership
Smaller mortgage, more affordable monthly payments
A chance to build equity even while renting a portion
Flexibility to increase ownership as your finances improve
Whether you’re a key worker, a first-time buyer, or simply someone ready for a space to call your own – shared equity mortgages make that goal far more achievable.
How We Help as Shared Ownership Mortgage Brokers
Navigating Shared Ownership Is Complex – We Make It Simple
Shared ownership mortgages are different. You need someone who understands the rules, the lenders, and the fine print. That’s where we shine.
We’re not just mortgage brokers – we’re advocates for your homeownership goals. We specialise in part-buy part-rent mortgages, giving you access to the widest range of lenders who cater to shared ownership buyers.
Here’s What You Can Expect:
Free consultation to assess your situation, goals, and options
Eligibility guidance: we help you understand if shared ownership is right for you
Access to lenders who offer tailored mortgage products for shared ownership schemes
Support from application to keys-in-hand – with zero jargon and full transparency
Ongoing advice if you want to staircase or remortgage in the future
We take pride in offering clear, honest, and personal advice — so you always feel confident and informed, never confused or pressured.
Who We Work With
Our clients are real people – just like you. Here’s who we often help:
First-Time Buyers
Struggling to save a large deposit? Shared ownership lets you start with less. We’ll help you find a mortgage that matches your earnings and lifestyle – so you can stop renting and start investing in your future.
Families Needing More Space
Outgrowing your rental? Shared ownership is a great way to upsize affordably. We’ll help you secure a mortgage that makes space for your family and your future.
Key Workers & Public Sector Heroes
Teachers, NHS staff, emergency responders — you deserve the chance to own a home close to where you work. Many shared ownership schemes prioritise you, and we’ll make sure you get every benefit you qualify for.
Young Professionals
Tired of wasting rent money and ready to invest in something real? Shared ownership gives you access to city living without the typical city mortgage.
Common Questions About Shared Ownership Mortgages
Do I qualify for shared ownership?
To be eligible, you typically must:
Be 18 years or older
Have a household income of less than £80,000 (£90,000 in London)
Not own another home
Demonstrate that you cannot afford a home on the open market
We’ll go through these criteria together and help you assess your eligibility quickly and confidently.
What is staircasing?
Staircasing is the process of buying more shares in your home over time. As your financial situation improves, you can purchase additional shares – reducing your rent and increasing your ownership percentage.
Can I sell a shared ownership property?
Yes. You can sell your share at any time. Housing associations usually have the first right to find a buyer, but if they can’t, you can list it on the open market.
The Benefits of Working with Us
We Know Shared Ownership – Inside and Out
Many brokers dabble in shared ownership. We specialise in it. That means you’re getting expert-level advice from people who do this day in, day out.
We’re With You – From First Chat to Final Signature
No call centres. No bots. Just real people who care about your goals and want to help you reach them. We’ll answer your calls, reply to your emails, and support you every step of the way.
We Simplify the Complex
Shared ownership involves mortgage lenders, housing associations, legal contracts, and more. We break it down into plain language, so you know exactly what you’re signing up for – and how to succeed.
Your Next Step? Let’s Talk.
We know that getting a mortgage – especially a shared ownership one — can feel overwhelming. But with us by your side, it doesn’t have to be.
You don’t have to figure it out alone. Our expert brokers are here to listen, advise, and help you take the next confident step toward owning your home.