Whole-of-market mortgage advice
Shared Ownership Mortgages in Sleaford & Lincolnshire
Shared ownership can be the most realistic route onto the ladder, but not every lender offers it and the rules take some explaining. We talk you through exactly how it works, find a lender who fits, and make the part-buy, part-rent path feel straightforward.
5.0★ · 707 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
He explained the process thoroughly, found us the best deal and made the application so easy. He kept us updated with every step.
For a lot of people in Lincolnshire, buying a home outright feels just out of reach. Shared ownership changes the maths. You buy a share of a home you can afford and pay a low rent on the rest, with a smaller deposit than a full purchase would need. We make the scheme simple to understand and find a lender happy to support it.
Not every lender offers it
Shared ownership is only offered by some lenders, and they each apply their own rules on shares, rent and resale. We compare the ones that do, so you are matched with a deal that fits the share you are buying rather than squeezed into a product that does not.
A path that can grow with you
Many buyers start with a 25 percent share and buy more over time, known as staircasing, until they own their home outright. We explain how that works from the start, so you can see the whole journey, not just the first step.
New to shared ownership? Work out what you could afford with our shared ownership calculator, or browse shared ownership homes in Lincolnshire.
New to the scheme? Read our guide to how shared ownership works.
Is this you?
We help shared ownership buyers like…
- Priced out of buying a home outright
- First-time buyers with a smaller deposit
- Key workers and local-connection applicants
- Buying a share of a new build or resale home
- Planning to staircase up over time
Why a broker
Why shared ownership buyers use a mortgage adviser
Shared ownership is only offered by some lenders, and each treats the scheme differently. We compare the whole market of those who do, explain rent, staircasing and resale clearly, and find the deal that fits the share you are buying.
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
How we help shared ownership buyers, step by step
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Understand how it works
We explain shared ownership in plain terms, the share you buy, the rent on the rest, and what it means for you, so there are no surprises.
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Check what you can afford
We work out the share and deposit that fit your budget and confirm you meet the scheme and lender criteria.
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Find a lender who says yes
Not every lender offers shared ownership. We go to those who do and compare them for the best rate and terms.
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We handle the application
We manage the paperwork with the lender and the housing provider, and chase it through to offer.
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Keys, and a plan to staircase
We see you into your home and explain how to buy more shares later when the time is right.
Local to you
Advising on shared ownership mortgages across Sleaford & Lincolnshire
From our Sleaford office we advise shared ownership buyers across Lincolnshire, from Lincoln, North Hykeham and Waddington to Boston, Grantham, Bourne and Stamford, on new build and resale homes. Shared ownership here runs through housing associations rather than one central list, so the right home and lender vary town to town, and there are often local connection rules to check before you reserve. As former bank managers based in the county, we know the lenders comfortable with Lincolnshire shared ownership, in person or by phone and video.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
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: your questions answered
How does shared ownership work?
You buy a share of a home, usually 10% to 75%, and pay rent to a housing association on the rest, with your mortgage and deposit based only on your share. Full detail in our guide to how shared ownership works.
How much can I borrow for shared ownership?
A lender assesses your income and the rent together, so a smaller share means a smaller mortgage but the rent still counts. Work it out with the shared ownership calculator.
What are the monthly costs of shared ownership?
Your mortgage, plus rent on the share you do not own, plus a service charge. We break it down in shared ownership costs.
Can you be evicted from a shared ownership home?
As long as you keep up your mortgage, rent and lease terms, your home is secure. More in is shared ownership worth it.
Real results
Case studies
How a first-time buyer with no credit history bought in Lincoln
First-time buyer, Lincoln
A young first-time buyer in Lincoln had a strong deposit but a thin credit file, with no loans or cards to show.…
How a joint borrower sole proprietor mortgage helped a Sleaford first-time buyer
First-time buyer, Sleaford
A Sleaford first-time buyer had a 5% deposit and affordable payments, but the income multiplier fell short. A joint borrower sole proprietor…
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
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.
