Whole-of-market mortgage advice
Shared Ownership Mortgages in Lincoln
Shared ownership mortgage advice near you in Lincoln, the county’s biggest and fastest-growing housing market. We help part-buy, part-rent buyers across Lincoln and its villages find the right lender and get the numbers right before they reserve.
5.0★ · 700 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
Buying through shared ownership in Lincoln? We help part-buy, part-rent buyers get the mortgage right, from the share you can afford to a lender who offers it. Advice is free until your offer is approved, in person, by phone or video.
Shared ownership mortgage advice near you in Lincoln
Lincoln is the county’s biggest and fastest-growing market, so shared ownership suits first-time buyers priced out of buying outright. As former bank managers, we know shared ownership and which lenders suit it. First-time buyer or returning, we explain how part-buy, part-rent works and what it means for your Lincoln budget.
How much deposit and mortgage do you need for shared ownership in Lincoln?
Your deposit is based on the share you buy, not the full price, usually 5% to 10% of it. You take a mortgage on the share and pay rent, up to 2.75% a year, on the rest, plus a service charge. Use the calculator below for a realistic monthly figure on a Lincoln home.
Lincoln shared ownership mortgage calculator
Enter the full price and the share you plan to buy. The calculator estimates the mortgage on your share plus the rent on the rest, so you see the likely monthly cost in Lincoln.
Which lenders offer shared ownership mortgages in Lincoln?
Not every lender offers shared ownership, and those that do treat the rent and share differently, so your own bank can mean a flat no or a worse deal. As a whole-of-market mortgage broker and adviser, we compare the lenders who lend on shared ownership for Lincoln buyers, handle it end to end, and know who says yes. See our shared ownership mortgage advice for the full process.
Still looking? Browse our guide to shared ownership homes across Lincolnshire, then come back for the mortgage. Ready to talk? Book a free, no-obligation chat about shared ownership in Lincoln. Your home may be repossessed if you do not keep up repayments on your mortgage.
Why a broker
Why use a mortgage adviser
Go direct and you only ever see one lender’s deals. We compare the whole market, handle the legwork, and keep you moving, often finding a rate and a lender you could not reach on your own.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
From first chat to front-door key
Three simple steps. You always know what happens next.
A free, friendly chat
Tell us your situation. We listen first, with no obligation and no pressure, in person, by video or on the phone.
We search the whole market
We compare lenders across the whole market and bring you a clear recommendation you can actually understand.
We manage it to completion
We handle the application and chase lenders, solicitors and agents, so you can get on with your move.
Local to you
Advising on shared ownership mortgages across Lincoln
Lincoln is Lincolnshire’s largest housing market and one of its fastest-growing, with new-build areas around Swanpool, the Western Growth Corridor and nearby Witham St Hughs where shared ownership regularly appears. Providers active in and around Lincoln include Platform Housing Group and Lincolnshire Housing Partnership, and current schemes are listed on the government-backed Share to Buy portal. Whether you are buying near the university, in the uphill historic quarter or out towards North Hykeham and Waddington, the share you buy and the lender that suits you will differ. As former bank managers advising from nearby Sleaford, we know which lenders are comfortable with Lincoln shared ownership and can get your numbers right before you reserve.
- Lincoln
- North Hykeham
- Waddington
- Bracebridge Heath
- Washingborough
- Nettleham
- Saxilby
A little way from Sleaford? That is no barrier. Many of our Lincoln clients never need to travel, we look after everything by phone or video, whichever suits you.
- Talk to us on 01529 300500
- Video appointments at a time that suits you
- Or pop into the Sleaford office for a coffee
A family-run firm rated 5.0 from 700+ verified reviews. As former bank managers, we take the time to know your name and your plans, not a faceless call centre.
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
Shared Ownership Mortgages in Lincoln: your questions answered
Do you advise on shared ownership mortgages in Lincoln?
Yes. We advise buyers across Lincoln and the surrounding villages from our Sleaford office, in person, by phone or by video, and we know the lenders who offer shared ownership mortgages locally.
Where can I find shared ownership homes in Lincoln?
Shared ownership homes around Lincoln come mainly through Platform Housing Group and Lincolnshire Housing Partnership, with current availability listed on the government Share to Buy portal. We can advise on the mortgage once you have found a home.
What clients say
700 verified reviews, rated 5.0
257 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
