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Shared Ownership Mortgages

You may be thinking you are not eligible for a mortgage because you don’t have a big enough deposit or because you don’t have enough income.  If this is the case you may wish to consider a Shared Ownership Mortgage (In Northern Ireland this is normally through Co-Ownership Housing Association) .

Under conventional Shared Ownership schemes, run by Housing Associations, borrowers buy a share of a property, usually worth between 50% and 75% and pay rent on the remaining share, with the right to increase their share in the future.  This is an option more often used by First Time Buyers, who cannot afford a mortgage for the full cost of the property, but can be available to other types of purchasers.  The Housing Association normally benefits from their share of any increases in property values but the reverse could apply if house prices drop.

The overall cost for comparison is 6.95% APR.  The actual rate will depend upon your circumstances.  Ask for a personalised illustration.


We charge a Broker Fee of £199 on application and £190 on completion of your Mortgage.

*Some forms of Bridging Finance and most Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

Commercial Mortgages, Overseas Property & Mortgages, Wills, Probate, Trusts and Tax & Estate Planning are not regulated by the Financial Conduct Authority. 

Pensions, Investments, Wills & Probate, Tax & Estate Planning, Overseas Property & Overseas Mortgages, Commercial Mortgages, Bridging Loans and Commercial Insurances are referred to specialist suppliers. 1 4 U Financial Solutions Ltd or PRIMIS are not responsible for any advice received from a third party.

This website is intended for people over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct business in any jurisdiction other than the UK. These pages provide generic information about various aspects of financial services advice that we provide. We hope they are helpful to you but they do not on their own add up to recommendations and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. Contact us for further advice to enable you to make an informed decision based upon your individual circumstances.

Mortgages Options

Re Mortgage
Buy to Let Mortgages
Co-Ownership Mortgages


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This information is a guide only and should not be relied on as a recommendation or advice that any particular Mortgage is suitable for you. All Mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive Mortgage advice which will be based on your needs and circumstances.

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