Shared Ownership Mortgages
Buy a share of 25% to 75%, take a mortgage on just that portion, and grow your stake over time through staircasing.
Why shared ownership?
Shared ownership is a government-backed scheme that helps you onto the property ladder when buying outright is not affordable. You buy a share of a home, usually somewhere between 25% and 75%, and pay rent to a housing association on the part you do not yet own. It is aimed at people who cannot afford a suitable home on the open market.
Your mortgage only covers the share you are buying, so you need a smaller deposit and your monthly payments are lower than they would be on the whole property. Our [borrowing calculator](/calculators/borrow-amount) shows roughly how much you could borrow towards your share. Later on you can buy further shares through a process called staircasing, gradually increasing how much of the home you own, until the property is fully yours.
At Clearview Mortgage Solutions we work with lenders who know shared ownership well. Your adviser will talk you through who qualifies and what the scheme really costs, then find a mortgage that fits your budget. For more detail, our [shared ownership guide](/blog/shared-ownership-guide) walks through the whole process.
Key facts
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Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our shared ownership calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Shared Ownership mortgages
A guide to shared ownership mortgages
What shared ownership involves, the costs to plan for, and how to apply for a mortgage on a shared ownership home.
ReadShared ownership eligibility criteria
Who qualifies for shared ownership, the income caps that apply, and how priority groups work.
ReadStaircasing explained
How to buy additional shares in your shared ownership home and what it costs at each stage.
Read
Frequently asked.
Your first conversation with an adviser is free, and you are under no obligation to go any further. If you do decide to proceed, the fee depends on how involved your case is, and we tell you the figure before any work starts. Nothing is charged until you have agreed to it.
Talk to a specialist.
shared ownership mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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