Shared Ownership FAQ

Can you do 100% mortgage on shared ownership?

In some cases, it may be possible to obtain a 100% mortgage on the share you are purchasing, but this is less common and options can be limited.

Most shared ownership mortgages still require a deposit, often around 5% to 10% of the share price. The positive is that the deposit is based only on the share you are buying rather than the full property value, which can make it far more achievable.

Lender criteria and product availability change regularly, so it is important to review current options carefully.

Your home/property may be repossessed if you do not keep up repayments on your mortgage.
You may have to pay an early repayment charge to your existing lender if you remortgage.

For the full picture, read our guide to shared ownership costs.

Still weighing it up?

Every situation is different. Have a free, no-obligation chat and we will give you a straight answer for your circumstances.

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What clients say

707 verified reviews, rated 5.0

260 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor
VouchedFor

First time buyer John significantly simplified the mortgage aspect of buying my first home, making a potentially stressful process much less so. He sourced me a suitable mortgage for my situation, clearly explained the process from start to finish and patiently answered all my questions. Would highly recommend. Yes, I am very pleased with the outcome, having received a mortgage offer that fits my situation well. Nothing!

Verified client in Lincolnshire
707
Five-star reviews
260
on Google
447
on VouchedFor
5.0★
Average rating

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Your home/property may be repossessed if you do not keep up repayments on your mortgage.