Shared Ownership

If you can’t quite afford a mortgage on 100% of a home, The Mortgage Library can help you make the most of your Shared Ownership options where you can look to own a share of your home.

Shared Ownership Advice

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Shared Ownership Library Archives

Shared Ownership gives the option of being able to purchase a share of your home, rather than owning 100% of it. You will however pay rent on the remaining share that you don’t own. This is ideal for people for are not yet able to purchase the full share of the property. You also get the opportunity to increase the amount of your share later down the line – this is known as ‘staircasing’. If you continue to do this, eventually you will own the property in full.

If you can’t afford to purchase your share of the property with your own savings, you will need to take out a 'Shared Ownership Mortgage'. Speak to our Librarians today to see how they can help you with Shared Ownership

If you are a council tenant, you may be eligible to buy the property with a Right to Buy scheme. The Mortgage Library broker can advise you about this. More info on Right to Buy schemes can be found here

The Mortgage Library keep up to date with any new schemes that might help First Time Buyers. There is an upcoming Starter Home Scheme, where first time buyers can potentially qualify for up to 20% discount on homes no older than 40 years. Contact The Mortgage Library for more about this.

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