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Shared ownership

Helping your clients buy a share of a home, whilst paying rent on the rest.

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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 ( and the Welsh Assembly (Shared Ownership-Wales), Registered social landlords |GOV.WALES.

Suitable for...

First time buyers

Applicants in England and Wales