Shared Equity & Shared Ownership Mortgages

We’ll guide you through your purchase with a wealth of knowledge and expertise behind us.

Often a cause for confusion, Shared Equity and Shared Ownership mortgages are different. The Shared Equity scheme offers the opportunity for you to own all of the property you are looking to buy, but you receive a loan on your deposit. Shared Ownership will result in you owning a portion of your home however, you may have the opportunity to buy back more of it at a later date.

What are the benefits of Shared Equity?

Shared Equity is an excellent solution for those finding it difficult to get on to the property ladder. The property buyer is granted a loan that contributes towards the mortgage, therefore enabling access to cheaper mortgage rates than those that would have been accessible with less deposit.

What are the benefits of Shared Ownership?

The Shared Ownership scheme is an alternative solution for first time buyers and home movers when you are unable to afford 100% of a home. Shared ownership grants the opportunity to own between 25-75% of the property, with scope to buy back more of your home in the future.

How can I get shared ownership of a property?

You can buy your new home through the shared ownership scheme if:

  • You are a first-time buyer or a home mover who can’t afford 100% of the new one.
  • You currently rent a council or housing association property.
  • Your household earns less than £80,000 a year outside of London, or less than £90,000 in London.

If you still have questions surrounding Shared Equity or Shared Ownership mortgages contact largemortgageloans.com. We’ll guide you through your purchase with a wealth of knowledge and expertise behind us.

Our services


Our insights


We are the UK’s leading specialist in delivering innovative and bespoke financing solutions to global clients.

Reviews


We’ll guide you through your purchase with a wealth of knowledge and expertise.

Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home.  

largemortgageloans.com is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: www.fca.org.uk.  The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending.  

Largemortgageloans.com Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business.  

Largemortgageloans.com Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.