Purchasing a property through Shared Ownership

Shared ownership is a great way to get onto the housing ladder by purchasing a percentage (Share) in a property when you’re not initially able to purchase the whole property, like in a traditional purchase.

Usually, you start of with an initial 25% share of the property. We can help you purchase the remaining shares either in stages or one step as you work towards purchasing 100% of the property.

We have access to over 80 lenders many of whom specialise in Shared Ownership mortgages and can help you purchase your first property today!

Based on 14 reviews.
Rebecca surin
Rebecca surin
2022-03-24
Working with Paul has been an absolute pleasure. He is extremely knowledgeable, conscientious, and responsive. I don't think I would be in the position I am (buying my first flat!) if it wasn't for his help and guidance. Highly recommended.
Elvis
Elvis
2022-03-22
Paul was professional and efficient. Clearly very experienced and understands the nuances of the mortgage world. Very happy with the service provided and would certainly recommend.
olivia davis
olivia davis
2022-03-20
We are first time buyers and have Paul walking us through this process and we couldn't have asked for anyone better! He has been very friendly and approachable throughout and keeps in contact often to make sure everything goes as smoothly as possible and to answer any question we have. Highly recommended this company to anyone moving !
Dominic Lake
Dominic Lake
2022-03-20
My partner and I are first time buyers so we knew absolutely nothing about houses and how to get one. Paul has been our mortgage advisor and has been extremely insightful and helpful throughout the process and I couldn’t recommend him more.
Darryl Worbey
Darryl Worbey
2022-02-24
Would highly recommend Paul to anyone, he went the extra mile for me. If I went to the lenders direct I wouldn’t have got my mortgage due to my situation but Paul with his contacts allowed us to get my mortgage. He also treated my money as it was his own which is what you want when buying a house. Thank you again Paul
Kelsey Downey
Kelsey Downey
2022-02-24
Josh Benfield
Josh Benfield
2022-02-14
Paul worked with us on our first property and I don't think we could have asked for a more conscientious and supportive advisor. We had a couple of issues with parts of the process and Paul was there each step of the way to guide us and step in to ensure that things worked out. Each communication we had was thoroughly carried out and we felt clued in throughout. Would highly recommend to anyone!
Kate S
Kate S
2021-12-22
Paul Tait has been a fountain of valuable advice and knowledge throughout our mortgage process. He is friendly, professional, highly intelligent and has taken all the hassle out of what could be a very stressful experience. We wouldn’t hesitate to recommend Paul and we will definitely call on him in the future.
Florian
Florian
2021-10-25
Very pleased with Your Property Financial Services - professional and efficient service throughout the entire process.
L Ek
L Ek
2021-10-17

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You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

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Shared ownership is a great way to get onto the property ladder if you don’t have a large deposit but can afford the typical payments relative to the property you’re considering.

As your income increases over time along with your savings and your normal payments having repaid some of the original mortgage you will likely be in a position to staircase the property and start to acquire a larger percentage ownership of the property. 

You ideally should staircase as soon as you can afford to as delaying taking action to staircase could result in you not ending up being able to obtain 100% of the property if it increases in value over time beyond what you can afford.

Also typically each year the rent you’re paying on the share you don’t own is increasing so by staircasing you can reduce the rent you pay and increase your ownership with a larger proportion of your monthly payments going towards repaying your mortgage and further increasing your ownership of the property.

With access to over 80 lenders we will search the market to find the best mortgage terms for you and help arrange everything for you

mortgage broker help

We take the stress out of finding a mortgage that is just right for you and helping you buy your new home. 

We will present you with a Mortgage Certificate 📝 confirming that we’ve reviewed your situation in full so you can present this to the estate agents to confirm you’re mortgage ready and can start offering on the home you want to buy 😃

Complete your details below and we’ll be in touch to help you with your enquiry 

Contact Us
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.

Your broker here to help

Often the lenders will make assumptions or even worse let the computer make the decision on whether to lend to you. This is where we step in and help advise and arrange to ensure you get the correct mortgage and consideration by the lender at the application stage and we present your application in the best possible light; therefore increasing your chances of acceptance at first application. 

Our team of mortgage brokers are here and ready to assist you and we can speak at a time convenient for you and even over a video call if you prefer a face-to-face conversation with your advisor.

Why choose us

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✅ Access to over 80 lenders so you will get the best rates available with many of these lenders not available on the high street which are exclusive to brokers

✅ Experienced advisors, so you’re in the safe hands of our advisors who will be able to assist whatever your circumstance

✅ Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward

✅ We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you