Where can I find a Shared Ownership mortgage?

Specialist Shared Ownership mortgages are offered by a wide variety of high street banks, building societies, and niche lenders within the UK. These lenders understand the unique needs of shared ownership buyers and provide loans that accommodate them. Whatever home-ownership looks like for you, there are numerous options available to suit your financial situation.

High Street banks
Several well-known high street banks, including Barclays, Lloyds, and Nationwide, offer mortgages specifically designed for Shared Ownership buyers. These lenders provide a range of options with competitive interest rates and flexible terms, making it easier to find a mortgage that suits your needs and budget. With more choice available, you can feel confident in finding a loan that fits your plans for the future.
If you’d like help exploring your mortgage options or have questions about Shared Ownership, our team is here to guide you every step of the way.
Building Societies
Building societies like Leeds Building Society, Skipton Building Society and Hanley Building Society are also important players in the Shared Ownership market. They’re often able to offer more flexible lending criteria than some high street banks, making them a great option if you don’t quite meet the standard requirements elsewhere. Building societies are known for their customer-focused approach and personalised service, helping to guide you through the mortgage process with care and support.
If you’d like more advice on finding the right lender for your Shared Ownership journey, we’re here to help every step of the way.
Niche lenders
Alongside high street banks and building societies, there are also niche lenders who specialise in Shared Ownership mortgages. Lenders such as Together and Teachers Building Society focus on specific groups or offer tailored products that you might not find with larger banks. These specialist lenders often have a deep understanding of the Shared Ownership scheme, and can provide expert advice and flexible terms to suit your individual needs.
If you’d like help exploring your mortgage options or want to know which lenders might be the best fit for you, our team is here to guide you every step of the way.

Key Considerations

When searching for a Shared Ownership mortgage, it’s important to consider your monthly rent payments alongside the payments required by your mortgage agreement. The rent is typically calculated based on the share of the property you do not own, so this cost will need to be factored into your overall budget. See below for more information on how your rent is calculated.

Consulting a Mortgage Advisor
Navigating the Shared Ownership mortgage market can be complex, so it’s often beneficial to seek the advice of a specialist mortgage advisor. Advisors with specific knowledge of the Shared Ownership scheme can provide valuable insights and help you find the best mortgage product for your circumstances.

We always recommend speaking to a mortgage advisor who understands Shared Ownership. We work with The Mortgage People, who offer comprehensive support from initial consultation through to securing your mortgage.