Shared Ownership FAQ

How much can I borrow from a mortgage shared ownership?

Borrowing is based on affordability, just like a standard mortgage. Many lenders use income multiples as a starting point, often around four to four-and-a-half times salary, but this is then adjusted for rent, service charges and monthly commitments.

The final borrowing figure depends on income, deposit, credit history and the overall cost of the shared ownership property.

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 mortgage advice.

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.

01529 300500

714 verified reviews, rated 5.0

267 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

I'm a self employed contractor and was struggling to get a mortgage application sorted for my circumstances Gave me good advice and sorted out mortgage application with me face to face and other personal insurance The mortgage application went through with no problem Nothing. always available to contact with help and information

Verified client in Lincolnshire
714
Five-star reviews
267
on Google
447
on VouchedFor
5.0★
Average rating

Read all 714 reviews

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.

01529 300500
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.