Shared Ownership Mortgages
Shared ownership is a government-backed scheme that helps you get on the property ladder by purchasing a share of a property, typically between 25% and 75%, and paying rent on the remaining share to a housing association. It is designed for people who cannot afford to buy outright on the open market.
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Shared Ownership Mortgage Advice
Shared ownership is a government-backed scheme that helps you get on the property ladder by purchasing a share of a property, typically between 25% and 75%, and paying rent on the remaining share to a housing association. It is designed for people who cannot afford to buy outright on the open market.
You only need a mortgage for the share you are buying, which means a smaller deposit and lower monthly mortgage payments compared to buying the full property. Use our borrowing calculator to see how much you could borrow towards your share. Over time, you can buy additional shares through a process called staircasing until you eventually own the home outright.
At Clearview Mortgage Solutions, we work with lenders experienced in shared ownership. Our advisers will guide you through the eligibility criteria, help you understand the costs involved, and find a mortgage deal that fits your budget.
Read our full guide here
Our complete guide explains how shared ownership works, what you need to qualify, and how staircasing lets you increase your share over time.
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