Shared Ownership Mortgages in Sleaford

Expert advice on Shared Ownership schemes and mortgages across Sleaford and Lincolnshire.

Want to buy but can’t afford the full price?

Shared Ownership lets you buy a share of a property (usually between 10% and 75%) and pay rent on the rest. Over time, you can “staircase” by buying more shares until you own the property outright.

How it works:

Deposit: Based on your share, so it can be much smaller than buying outright.
Rent: Paid to a housing association or developer on the remaining share.
Staircasing: You can increase your share later, usually in 10% chunks or more.

Shared Ownership is common for first-time buyers but can also suit movers who need a more affordable option. Alternatives worth exploring include low deposit mortgages and first-time buyer mortgages. For impartial details, see GOV.UK’s Shared Ownership scheme guide.

Unbiased Advice

Dedicated to providing trusted advice, we believe financing your home should be exciting and stress-free. Here’s just some of the lenders we work with;

We access the whole of the mortgage market to find the best mortgage to suit your needs.

Clear advice on Shared Ownership mortgages

Whole-of-market access: Including lenders active in Shared Ownership.
Local knowledge: We know which housing associations and schemes are active in Lincolnshire.
Staircasing explained: We’ll show how to increase ownership over time.
Linked services: We’ll compare Shared Ownership with low deposit and first-time buyer mortgages.
Practical support: From application through to completion, we manage the process with lender and housing association.

How we help with Shared Ownership

We explain how Shared Ownership works, compare it with other routes, and guide you through the mortgage and housing association process.

Review & explain

We check your budget, deposit and eligibility, and explain how Shared Ownership fits.

Compare & recommend

We find lenders supporting Shared Ownership and show you alternatives like low deposit or first-time buyer mortgages.

Apply & complete

We manage the application, coordinate with the housing association, and support you until completion.

Shared Ownership in Lincolnshire

Shared Ownership is available in many Lincolnshire developments, helping buyers with limited deposits. ONS data (July 2025) shows average prices of £237,000 in North Kesteven (Sleaford) and £184,000 in Lincoln. A 25% share could mean deposits starting at under £3,000 in some cases.

Sleaford & NG34: Shared Ownership schemes are popular for first-time buyers priced out of full ownership.
Lincoln & Boston: Lower average prices mean shares can be more affordable, though demand is high.
Grantham, Newark, Stamford: Strong commuter demand often makes Shared Ownership a useful entry point.
RAF areas: Families posted near Cranwell or Waddington sometimes use Shared Ownership as a flexible route into housing.

We’ll check local scheme availability and match your deposit and income to lenders that support Shared Ownership.

We are family

Spolton Mortgages is a family mortgage broker founded by Nick and Kasia Spolton.

From our office in Sleaford, we provide mortgage and mortgage protection advice.

Well-known, and respected for providing trusted advice, we started by helping people find mortgages in Lincoln, Sleaford, and throughout Lincolnshire. Now we find ourselves helping people across the whole of the UK.