Shared Ownership Mortgage Guides & FAQs
Shared ownership can be a helpful way onto the property ladder if you cannot afford to buy a home outright.
However, the scheme rules, eligibility criteria and mortgage options can feel confusing, especially if you are
a first-time buyer or have a more complex income.
In this section, you will find articles and FAQs covering a wide range of shared ownership topics – from how the
scheme works and what deposit you need, to staircasing, remortgaging and what happens when you want to sell your share.
Our goal is to explain your options in plain English so you can make confident decisions about your next steps.
What you can learn from our shared ownership content
- How shared ownership schemes work across England, Wales, Scotland and Northern Ireland
- Eligibility rules, income caps and common lender criteria
- Deposits, rent and service charges and how they affect affordability
- Staircasing to buy more shares or eventually own 100%
- Remortgaging a shared ownership property and switching lender
- What to consider when selling your share or moving home
Every housing association and mortgage lender can have slightly different rules, so the best approach for you will
depend on your circumstances. Use the guides and FAQs in this tag to build your understanding, then
consider speaking with a specialist mortgage adviser if you need tailored advice on your own
shared ownership plans.
