Shared Ownership

What Is Shared Ownership?

Shared Ownership is a government-backed affordable housing scheme designed to help people buy a home who may not be able to afford to purchase outright on the open market.

With a Shared Ownership mortgage, you buy a share of a property — typically between 10% and 75% — and pay rent on the remaining share owned by a housing association.

Because you only purchase a percentage of the property:

• Your deposit is usually smaller
• Your mortgage may be more affordable
• Monthly costs can often be lower than private renting
• You may be able to buy more shares later through “staircasing”

For many buyers, Shared Ownership is one of the most affordable ways to become a homeowner.

Why Choose Mint FS For Your Shared Ownership Mortgage?

Independent Whole Of Market Mortgage Brokers

At Mint FS, we are not tied to one bank or limited lender panel. We search across a wide range of:

• High street lenders
• Specialist mortgage providers
• Building societies
• New-build mortgage lenders
• Shared Ownership mortgage lenders

This gives our clients access to competitive mortgage deals and lending solutions that may not be available directly to consumers.

We work for you — not the lender.

Shared Ownership Mortgage Specialists

Shared Ownership mortgages can be more complex than standard residential mortgages. Different lenders have different:

• Affordability calculations
• Deposit requirements
• Credit score criteria
• Housing association rules
• Property restrictions

Our expert advisers understand the Shared Ownership process and can help you:

• Understand your eligibility
• Calculate how much you could borrow
• Compare Shared Ownership mortgage rates
• Secure an Agreement in Principle
• Navigate housing association requirements
• Submit a strong mortgage application
• Progress your purchase quickly and smoothly

We simplify the process and support you every step of the way.

Get Access To Competitive Shared Ownership Mortgage Deals

As whole of market brokers, we can help you access mortgage products suited to:

• First-time buyers
• Low deposit buyers
• New-build Shared Ownership properties
• Self-employed applicants
• Buyers with complex income
• Applicants with adverse credit history

We understand that every client is different, which is why our advice is always tailored to your circumstances and goals.

A Faster, Simpler Mortgage Experience

At Mint FS, we combine modern technology with experienced human advice to make the mortgage process easier and less stressful.

Our clients benefit from:

• Flexible appointments
• Telephone and video consultations
• Secure online document uploads
• Fast lender comparisons
• Regular updates throughout your application
• Dedicated adviser support

We pride ourselves on delivering clear, honest advice and outstanding customer service.

Who Can Apply For Shared Ownership?

You may qualify for Shared Ownership if:

• You are a first-time buyer
• You previously owned a home but cannot currently afford to buy outright
• Your household income is within scheme limits
• You are an existing Shared Ownership homeowner looking to move

If you’re unsure whether you qualify, our advisers can help assess your eligibility and explain your options.

Why Clients Choose Mint Financial Services

✔ Independent whole of market mortgage brokers

✔ Access to 140+ lenders and 18,000+ mortgage products

✔ Experienced Shared Ownership mortgage advisers

✔ Tailored mortgage advice based on your circumstances

✔ Friendly, jargon-free support

✔ Award-winning customer service

✔ Support from enquiry to completion

We’re passionate about helping clients achieve their homeownership goals with expert advice they can trust.

Ready To Get On The Property Ladder?

If you’re considering a Shared Ownership mortgage, speaking to an expert adviser could help you secure the right deal and avoid costly mistakes.

At Mint FS, we’ll help you understand:

• How much you could borrow
• What deposit you may need
• Which lenders are most suitable
• What your monthly payments could look like
• How to improve your chances of approval

Talk to a Shared Ownership mortgage adviser today.

Call Mint FS now or complete our online enquiry form to receive personalised whole of market mortgage advice