Shared ownership mortgage

Shared Ownership Mortgages

If you’re looking for a more affordable way to buy an energy‑efficient home in England, our Shared Ownership Mortgage (also known as part‑ownership or co‑ownership) offers clear, supportive finance to help you step into home ownership.

Enquire Now

Your home may be repossessed if you do not keep up repayments on your mortgage.

Why choose a Shared Ownership Mortgage?

4.19% Interest Rate
4.3% APRC Overall cost for comparison
£0 Application fee
95% Maximum loan-to-value
  • Borrow up to 95% of the property’s value or purchase price (whichever is lower) of the share being purchased.
  • Available for properties or flats in buildings of up to four storeys, where the homes are energy efficient.
  • Available for properties with an EPC rating of B or above, helping ensure good energy performance.
  • Mortgages are available on a repayment basis only, with a maximum term of up to 35 years (subject to eligibility).
  • Borrow up to £750,000 to purchase your share of the property. Subject to eligibility and full assessment.
Get in touch Representative example & more info

Representative Example and Eligibilty

A mortgage of £80,600 payable over 30 years on a variable rate, currently 4.19%, would require one monthly payment of £460.28 and 359 monthly payments of £394.23. The total amount payable would be £141,988.85 made up of the loan amount (£80,600) plus interest (£61,048.85) and a valuation fee of £340 (assuming a purchase price of £125,000).

The overall cost for comparison is 4.3% APRC representative.

APRC (Overall Percentage Rate of Change) shows you, as a percentage, the annual cost of a secured loan or mortgage. It brings together all charges (such as fees and other costs), calculated as if you kept your secured loan or mortgage for the full term without changing it.

Eligibility

Borrow up to 95% of the property’s value or purchase price (whichever is the lower) of the share being purchased.
We’ll consider lending up to five and a half times joint or sole income subject to loan to value and an affordability assessment.
Maximum loan size is £750,000.
Available for properties with an Energy Performance Certificate rating of B or above.
A maximum mortgage term of 35 years is available, subject to eligibility.
Mortgages are available on a repayment basis only.
This product is not eligible for our C-Change discount.
Borrowers must be UK residents aged 18+.

Fees and charges

No application fee.
A mortgage valuation fee is payable.
An early repayment charge is payable in the first two years. If you repay in part or in full, you’ll be charged 2% of what you still owe in year one and 1% in year two.
Read our full list of fees and charges for more information.

Get in touch
Close

FAQs

Get in Touch

"*" indicates required fields

Fill out this form and one of our team will get back to you as soon as possible.
You can find details about repayment types, loan-to-values, and available loan sizes on the relevant product page.

Please enter a number greater than or equal to 0.
We'll only use your details to respond to your enquiry and to meet legal or regulatory obligations. Your information will never be used for marketing unless you have asked us to. You can read our full Privacy Notice here.

Keep in touch with us
Ecology Marketing
Like-Minded Marketing
This field is hidden when viewing the form

  • Ethical Consumer Best Buy logo