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Compare Shared Ownership mortgages

Why are you looking for a mortgage?

You have a 57% loan-to-value (LTV). We found 328 results for you
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Santander 2 year fixed remortgage

Initial rate
0.84% until 02 Jan 2024
Fees
£749
APRC
3% overall cost
Monthly cost
£591.48 for 26 months
Representative example:

Repayment mortgage of £160,000 over 25 years, representative APRC 3%. Repayments: 26 months of £591.48 at 0.84% (fixed), then 274 months of £770.52 at 3.35% (variable). Total amount payable £227,249.96 which includes interest of £66,500.96. Product Fee (£749) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

Santander 2 year fixed cashback remortgage

Initial rate
0.84% until 02 Jan 2024
Fees
£749
APRC
3% overall cost
Monthly cost
£591.48 for 26 months
Representative example:

Repayment mortgage of £160,000 over 25 years, representative APRC 3%. Repayments: 26 months of £591.48 at 0.84% (fixed), then 274 months of £770.52 at 3.35% (variable). Total amount payable £227,249.96 which includes interest of £66,500.96. Product Fee (£749) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

Barclays 2 year BBR tracker cashback remortgage

Initial rate
0.85% for 2 years
Fees
£999
APRC
3.2% overall cost
Monthly cost
£592.19 for 24 months
Representative example:

Repayment mortgage of £160,000 over 25 years, representative APRC 3.2%. Repayments: 24 months of £592.19 at 0.85% (bbr tracker), then 276 months of £790.70 at 3.59% (variable). Total amount payable £233,444.76 which includes interest of £72,445.76. Product Fee (£999) with an option to add to the loan. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 70 years

Remortgage only.

Additional criteria may apply.

Barclays 2 year BBR tracker remortgage

Initial rate
0.85% for 2 years
Fees
£999
APRC
3.2% overall cost
Monthly cost
£592.19 for 24 months
Representative example:

Repayment mortgage of £160,000 over 25 years, representative APRC 3.2%. Repayments: 24 months of £592.19 at 0.85% (bbr tracker), then 276 months of £790.70 at 3.59% (variable). Total amount payable £233,444.76 which includes interest of £72,445.76. Product Fee (£999) with an option to add to the loan. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 70 years

Remortgage only.

Additional criteria may apply.

Nationwide 2 year fixed cashback remortgage

Initial rate
0.87% for 2 years
Fees
£1499
APRC
3.2% overall cost
Monthly cost
£593.63 for 24 months
Representative example:

Repayment mortgage of £160,000 over 25 years, representative APRC 3.2%. Repayments: 24 months of £593.63 at 0.87% (fixed), then 276 months of £790.85 at 3.59% (variable). Total amount payable £234,020.72 which includes interest of £72,521.72. Product Fee (£1,499) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

Nationwide 2 year fixed remortgage

Initial rate
0.87% for 2 years
Fees
£1499
APRC
3.2% overall cost
Monthly cost
£593.63 for 24 months
Representative example:

Repayment mortgage of £160,000 over 25 years, representative APRC 3.2%. Repayments: 24 months of £593.63 at 0.87% (fixed), then 276 months of £790.85 at 3.59% (variable). Total amount payable £234,020.72 which includes interest of £72,521.72. Product Fee (£1,499) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

Santander 2 year fixed remortgage

Initial rate
0.89% until 02 Jan 2024
Fees
£999
APRC
3% overall cost
Monthly cost
£595.06 for 26 months
Representative example:

Repayment mortgage of £160,000 over 25 years, representative APRC 3%. Repayments: 26 months of £595.06 at 0.89% (fixed), then 274 months of £770.91 at 3.35% (variable). Total amount payable £227,699.90 which includes interest of £66,700.90. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

Nationwide 3 year fixed remortgage

Initial rate
0.89% for 3 years
Fees
£999
APRC
3% overall cost
Monthly cost
£595.06 for 36 months
Representative example:

Repayment mortgage of £160,000 over 25 years, representative APRC 3%. Repayments: 36 months of £595.06 at 0.89% (fixed), then 264 months of £782.15 at 3.59% (variable). Total amount payable £228,908.76 which includes interest of £67,909.76. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

Nationwide 3 year fixed cashback remortgage

Initial rate
0.89% for 3 years
Fees
£999
APRC
3% overall cost
Monthly cost
£595.06 for 36 months
Representative example:

Repayment mortgage of £160,000 over 25 years, representative APRC 3%. Repayments: 36 months of £595.06 at 0.89% (fixed), then 264 months of £782.15 at 3.59% (variable). Total amount payable £228,908.76 which includes interest of £67,909.76. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

Santander 2 year fixed cashback remortgage

Initial rate
0.89% until 02 Jan 2024
Fees
£999
APRC
3% overall cost
Monthly cost
£595.06 for 26 months
Representative example:

Repayment mortgage of £160,000 over 25 years, representative APRC 3%. Repayments: 26 months of £595.06 at 0.89% (fixed), then 274 months of £770.91 at 3.35% (variable). Total amount payable £227,699.90 which includes interest of £66,700.90. Product Fee (£999) with an option to add to the loan. Early repayment charges apply. Fees are assumed to be paid upfront. Other fees may apply.

Eligibility

You must meet the following criteria in order to get this loan:

Are resident of England

Are resident of Scotland

Are resident of Northern Ireland

Are resident of Wales

Are older than 18 years

Available Direct.

Max age at term end: 75 years

Remortgage only.

Additional criteria may apply.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

What is a shared ownership mortgage?

The shared ownership scheme is a government home buying scheme designed to help people get on the property ladder. It is particularly aimed at those who can’t afford the mortgage on an entire home. With shared ownership, you own part of the property you buy and pay rent on the remaining share.

How does shared ownership work?

Housing associations allow you to buy a share of between 25% and 75% of the cost of a home. You will then pay rent on the remaining share.

Shared ownership mortgages often allow for lower deposits. With standard mortgages, you can expect to pay a deposit of 10-20%, whereas shared ownership mortgages often require you to only stump up 5% of the property's value.

What is staircasing?

If you'd like to increase the share of your home over the course of your mortgage term, you can do so via a process known as staircasing.

For example, if you have a 25% share of a property, you can choose to increase your stake by a further 25%. This means overall you would own 50% of the property and will only need to pay rent on the remaining 50%.

To staircase, you will need to contact your housing association and tell them you intend to staircase. They will value your property and offer you the shares at the cost of your current property.

Do I qualify?

The shared ownership scheme isn’t open to everyone. You need to be a first time buyer, someone who used to own a home but can’t afford one anymore, or someone with an existing shared ownership home looking to move.

There are also salary restrictions on how much you can earn. It is open to people with a salary lower than £80,000 per year, or £90,000 per year in London.

Uswitch is authorised and regulated by the Financial Conduct Authority (FRN 312850) to provide this mortgage comparison service.

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