Shared Ownership Mortgages
Buy a 25–75% share, mortgage only that portion, and increase your stake over time through staircasing.
Why shared ownership?
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](/calculators/borrow-amount) 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.
Key facts
90+
UK lenders compared
FCA
Regulated advice
Free
Initial consultation
CeMAP
Qualified advisers
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
How shared ownership works, what it costs, and how to apply for a mortgage on a shared ownership property.
ReadShared ownership eligibility criteria
Who qualifies for shared ownership, income caps, and priority groups explained.
ReadStaircasing explained
How to buy additional shares in your shared ownership home and what it costs at each stage.
Read
Frequently asked.
Your first chat with an adviser is free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, and you will always know the cost upfront. You will never be charged without agreeing to it first.
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.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.