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Shared Ownership

Shared Ownership

Shared ownership mortgages are offered usually by housing associations to first time buyers. The difference between this and a standard purchase is the percentage of the property you buy.

With Shared ownership you would purchase a share of the property, anything from 25% to 75% and for the remainder of the property you would pay a proportion of rent. 

In time, as your income increases you can buy into the rented part of the property and increase your owned percentage, this is known as stair casing.

Shared Equity

With many new build properties, the builder now offers an incentive of shared equity. The builder will keep a share of the property, typically from 15 - 25%.

The main difference between shared ownership and shared equity, is that with shared equity you will not be paying rent on the portion you do not own.

We are competent with the specialized lenders for both of the above schemes.

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 consumers based in the UK.