Shared Ownership Mortgages

Shared Ownership mortgages offer an accessible route onto the property ladder by allowing you to purchase a share of a home and pay subsidised rent on the remaining portion. They can be an excellent solution for clients who have smaller deposits or who are priced out of the open market — but navigating the scheme, the lenders, and the eligibility rules can feel overwhelming without guidance.

As a shared ownership specialist mortgage broker, we help clients understand how Shared Ownership works, assess which lenders will support their circumstances, and secure a mortgage that aligns with their long‑term goals.

Clear Mortgage Guidance You Can Rely On

We provide professional advice and support to help you understand your mortgage options and make informed decisions every step of the way.

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How Shared Ownership Works

Shared Ownership allows you to buy an initial share of between 10% and 75% of a property (depending on the scheme), while a housing association retains the remaining share. Over time, you can increase your ownership through “staircasing”, often all the way to 100%.

Because you’re only mortgaging your share, the deposit requirement and monthly mortgage payments can be significantly lower than buying outright.

Key Features of Shared Ownership Mortgages

✔ Lower deposit requirements – You only need a deposit based on your share, making homeownership more achievable.
✔ Flexible ownership – Increase your share when you're ready through staircasing.
✔ Suitable for a range of buyers – First-time buyers, previous homeowners unable to buy again, and some existing shared owners looking to remortgage.
✔ New-build and resale options – Whether you're buying a brand-new property or taking on an existing Shared Ownership home.

Who Shared Ownership Is Beneficial For

Shared Ownership may be suitable for:

• First-time buyers struggling with high property prices
• Individuals with smaller deposits
• Those with good affordability but limited savings
• Buyers needing a more gradual route to full homeownership
• Clients considering future staircasing plans

Because each housing association and lender has its own criteria, it’s important to get personalised advice before applying.

Looking for expert guidance to make your mortgage journey simple, clear, and confident every step of the way?

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How Avalon Can Help

I work closely with lenders and housing associations to ensure every client receives clear, tailored advice on:

• Eligibility and scheme requirements
• Approved lender options for Shared Ownership
• Maximum borrowing and affordability
• Staircasing and long‑term planning
• Remortgaging or refinancing your share
• Understanding rent, service charges and lease terms

From your initial assessment through to completing the purchase, I support you at every stage to make the process as smooth and stress‑free as possible.

Thinking About a Shared Ownership Mortgage?

Whether you're buying your first share, staircasing, or looking to remortgage, I can help you explore your options and secure the most suitable mortgage for your needs.