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AAP Financial Solutions Ltd

2b Stanhope Gate,

Stanhope Road,



GU15 3DW

01276 423360     07973 421446

Finance Made Easy!


01276 423360  /  07973 421446


Shared Equity Mortgages


How do shared ownership mortgages work?






The remaining 75/50/25% of the property is owned jointly, usually with a housing association. They charge you a 'rent' for the section you do not own.


What are the benefits of a shared ownership mortgage?


The main benefit of getting a shared ownership mortgage is that you get a foothold on the housing ladder and benefit from the increase to the value of your 'share'.


Also these schemes are unique in that you can 'staircase' up your ownership of the property; meaning you have the ability to buy additional sections of the property at a later date. Therefore you can start off by buying 50% of the property initially, then in 2 years buy another 25% and finally the last 25% so you own the entire property. This saves you the cost of having to 'size up' during your working life. As you increase your ownership of the property your rent decreases to reflect the increased ownership.


What are the disadvantages of a shared ownership mortgage?

There can be disadvantages to shared equity schemes as you do not have full ownership of the property from the outset. These schemes can limit borrowing potential and you share any equity growth in the property when you sell. We will take account of these points when we provide you with advice in this area.

Your first step onto the property ladder.

Shared ownership mortgage schemes are a Government incentive backed up by developers and housing associations in order to provide highly quality affordable housing for first time buyers and other key workers.

The shared ownership mortgage scheme works by property buyers 'sharing' the ownership of the property. On the initial purchase you will typically buy 25/50/75% of the total property value.

AAP Financial Solutions Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority.


Registered Office: 2b Stanhope Gate, Stanhope Road, Camberley, Surrey, GU15 3DW. Registered in England and Wales no. 07768246.


The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK


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There may be a fee for mortgage advice. The precise amount will depend on your circumstances but we estimate it will be £395.