Shared ownership mortgages

Our Shared Ownership mortgages are designed to help you buy an initial share of between 30-75% of a home and pay an affordable rent on the remaining share, through shared ownership with a Housing Association. You have the option to buy a larger share at a later date.

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Mortgage details

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This is the maximum amount based on the information you provided. Your mortgage adviser will take you through the application process and will calculate the amount you can afford to borrow based on your income after the deduction of those expenses and commitments. Further restrictions may apply for specialist products.

Fixed rate mortgages

The mortgages listed below move on to our Standard Variable Rate, currently 4.9% (variable), after the initial rate period.

Product name	Initial rate i	Overall cost for comparison i	Max % LTV i	Product fee i	Mortgage repayment
Shared Ownership fixed for 2 years See example	3.59%	4.60% APRC	95%	N/A	£XXX.xx per month See details
Representative example: A mortgage of £350,000.00 taken out for a period of 10 years on a repayment basis. Monthly instalments: £ 3,500.07 per month for 23 months, followed by £ 3,690.56 per month for 96 months. Total amount payable: £ 435,990.37. Total amount of credit: £350,000.00. The total amount payable includes administration fee £125, valuation fee £895, completion fee £75 and closing fee £100. The overall cost for comparison is 4.6% representative APRC. This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.
Shared Ownership fixed for 3 years See example	3.79%	4.50% APRC	95%	N/A	£XXX.xx per month See details
Representative example: A mortgage of £350,000.00 taken out for a period of 10 years on a repayment basis. Monthly instalments: £3,533.01 per month for 35 months, followed by £3,680.29 per month for 84 months. Total amount payable: £433,994.71. Total amount of credit: £350,000.00. The total amount payable includes administration fee £125, valuation fee £895, completion fee £75 and closing fee £100. The overall cost for comparison is 4.5% representative APRC. This example is based on a typical mortgage and assumes that fees are not added to the mortgage. Please ask for a personal illustration for your own particular requirements.

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