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Shared Ownership/Shared Equity mortgage rates

Shared Ownership key criteria:

  • Up to 95% LTV on the borrower’s share for new builds and resales
  • We accept the greater of 10 units or 25% of the total Shared Ownership properties on a post code
  • Clients must be able to staircase up to 100% ownership

For full details of our Shared Ownership criteria, view our criteria guide.

Why use us?

  • Dedicated product range
  • Products available for remortgages and product transfers
  • Experienced underwriters are on hand to help with more complex cases
  • Online DIP and affordability assessment 
  • Awarded What Mortgage’s Best Shared Ownership Lender four years running
AVAILABLE TO INTERMEDIARIES ONLY

2 Year Shared Ownership Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/01/22Then the Society's SVR less 1.25% discount up to and inc. 31/01/25, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
2.55% 4.44%5.69%5.0%75%85%£999 View
Max loan amount £500,000
2.85% 4.44%5.69%5.0%75%85%£0 View
Max loan amount £500,000
3.10% 4.44%5.69%5.0%75%90%£0 View
Max loan amount £500,000
2.94% 4.44%5.69%5.2%75%95%£1499 View
Max loan amount £500,000
3.34% 4.44%5.69%5.2%75%95%£999 View
Max loan amount £500,000
3.79% 4.44%5.69%5.2%75%95%£0 View
Max loan amount £500,000

Cashback 2 Year Shared Ownership Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/01/22Then the Society's SVR less 1.25% discount up to and inc. 31/01/25, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
3.24% 4.44%5.69%5.1%75%85%£0 View
Max loan amount £500,000 / Min loan amount £50,00 / £500 Cashback upon completion
3.30% 4.44%5.69%5.1%75%90%£0 View
Max loan amount £500,000 / Min loan amount £50,000 / £500 Cashback upon completion
RATES CORRECT AS AT 15 november 2019

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £90,000.00 payable over 25 years initially on a fixed rate for 2 years at 3.79% and then a 1.25% discount on our current Standard Variable Rate of 5.69% for 3 years and then on our current Standard Variable Rate of 5.69% for the remaining 20 years would require 24 monthly payments of £464.25, 36 monthly payments of £494.51 and 240 monthly payments of £548.85.

The total amount payable would be £160,703.45 made up of the loan amount plus interest of £70,668.45 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 5.2% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application (where applicable) but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 January 2022.
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • Maximum loan £500,000.
  • These products are not available to interest only applications.
  • These products are not portable and are not available in Scotland.

3 Year Shared Ownership Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/01/23Then the Society's SVR less 1.25% discount up to and inc. 31/01/25, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
2.99% 4.44%5.69%5.0%75%85%£999 View
Max loan amount £500,000
3.09% 4.44%5.69%5.0%75%90%£999 View
Max loan amount £500,000
3.39% 4.44%5.69%5.0%75%85%£0 View
Max loan amount £500,000
3.49% 4.44%5.69%5.0%75%90%£0 View
Max loan amount £500,000
3.60% 4.44%5.69%5.2%75%95%£999 View
Max loan amount £500,000
3.99% 4.44%5.69%5.2%75%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 15 november 2019

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £90,000.00 payable over 25 years initially on a fixed rate for 3 years at 3.60% and then a 1.25% discount on our current Standard Variable Rate of 5.69% for 2 years and then on our current Standard Variable Rate of 5.69% for the remaining 20 years would require 36 monthly payments of £455.00, 24 monthly payments of £492.38 and 240 monthly payments of £546.48.

The total amount payable would be £160,387.09 made up of the loan amount plus interest of £69,353.09 and application fee £0, product fee £999, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 5.2% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application (where applicable) but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 January 2023.
  • Free standard valuation up to £999.
  • Maximum loan of £500,000.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • These products are not portable and are not available in Scotland.

5 Year Shared Ownership Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/01/25Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
3.75% 5.69%5.0%75%90%£0 View
Max loan amount £500,000
3.89% 5.69%5.0%75%85%£0 View
Max loan amount £500,000
3.64% 5.69%5.1%75%85%£999 View
Max loan amount £500,000
3.85% 5.69%5.1%75%95%£999 View
Max loan amount £500,000
3.99% 5.69%5.1%75%90%£0 View
Max loan amount £500,000
4.09% 5.69%5.1%75%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 15 november 2019

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £90,000.00 payable over 25 years initially on a fixed rate for 5 years at 3.85% and then on our current Standard Variable Rate of 5.69% (variable) for the remaining 20 years would require 60 monthly payments of £467.20 and 240 monthly payments of £545.64.

The total amount payable would be £160,019.39 made up of the loan amount plus interest of £68,985.39 and application fee £0, product fee £999, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 5.1% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application (where applicable) but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 January 2025.
  • Free standard valuation up to £999.
  • Maximum loan of £500,000.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • These products are not portable and are not available in Scotland.

2 Year Shared Equity Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/01/22Then the Society's SVR less 1.25% up to and inc. 31/01/25, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
2.99% 4.44%5.69%5.0%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 27 september 2019

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £100,000.00 payable over 25 years initially on a fixed rate for 2 years at 2.99% and then a 1.25% discount on our current Standard Variable Rate of 5.69% for 3 years and then on our current Standard Variable Rate of 5.69% for the remaining 20 years would require 24 monthly payments of £473.31, 36 monthly payments of £546.24 and 240 monthly payments of £606.26.

The total amount payable would be £176,561.16 made up of the loan amount plus interest of £76,526.16 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 5.0% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application (where applicable) but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 January 2022.
  • Maximum loan £500,000
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • This product is not available to interest only applications.
  • This product is not portable and not available in Scotland.
  • This product is only available for purchase applications.

2 Year Scottish Shared Equity Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/01/22Then the Society's SVR less 1.25% discount up to and inc. 31/01/25, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
2.99% 4.44%5.69%5.0%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 27 september 2019

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £100,000.00 payable over 25 years initially on a fixed rate for 2 years at 2.99% and then a 1.25% discount on our current Standard Variable Rate of 5.69% for 3 years and then on our current Standard Variable Rate of 5.69% for the remaining 20 years would require 24 monthly payments of £473.31, 36 monthly payments of £546.24 and 240 monthly payments of £606.26.

The total amount payable would be £176,561.16 made up of the loan amount plus interest of £76,526.16 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 5.0% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application (where applicable) but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 January 2022.
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • Maximum loan £500,000.
  • These products are not available to Interest Only applications.
  • These products are not portable and only available in Scotland.
  • This product is only available for purchase applications.

 

We have developed a set of short, easy-to-use guides to our criteria.

View our criteria guides »

Any questions?

Please contact your nearest Development Manager. Find your nearest Development Manager »