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With first-time buyers or those with a low income still struggling to get a foot on the property ladder, more and more are turning to shared ownership or shared equity to allow them to own their own property. Mortgage Key are experts in shared ownership mortgages and can help find the right one for you.


What is a Shared Ownership Mortgage?

If you’re struggling to find the money to buy your own property outright, then shared ownership might be the way forward. You purchase a share of the property (usually between 25% and 75% of the property’s overall value) with the rest of the property owned by a housing association. You then pay subsidised rent on the remaining share owned by the housing association and have the option to buy a greater share of the property at any point after you become the owner – a process known as ‘staircasing’.

You should be eligible for shared ownership is:

  • Your household earns £60,000 or less per year.
  • You aren’t currently a homeowner (first-time buyers or those who have previously owned a home.
  • You have adequate savings to cover the various costs – 10% deposit of the share you’re buying, stamp duty, solicitors’ fees, etc.

Find your perfect Shared Ownership Mortgage at Mortgage Key

You will need a shared ownership mortgage to help purchase your share of the property. Unfortunately, many lenders are not keen to lend on shared ownership properties, but that’s where Mortgage Key can help.

Our five star award-winning brokers will work closely with you to help you understand the mortgage process and find the best shared ownership mortgage for your needs. We will compare the prices of all the major mortgage providers to ensure you get the one that saves you the most amount of money whilst taking the hassle out of the whole procedure.

We have many years’ experience in the mortgage industry and have up-to-date knowledge of the latest government schemes and ventures. Give us a call today to discuss shared ownership mortgages and take a step towards finally getting your foot on the property ladder.