Updated October 2026 · Fraser Bond
Mortgages · Shared ownership
Shared ownership mortgages
Eligibility£80k/£90k London
Lendersspecialist
Depositon share
Affordabilitymortgage + rent
In short: With shared ownership you need a mortgage only for the share you buy. First the housing association checks you're eligible (household income up to £90,000 in London or £80,000 elsewhere, usually not owning another home) and that the home is affordable for you. Then a lender that accepts shared ownership assesses your income against both the mortgage and the rent on the unowned share, plus the service charge. Deposits start at 5% of the share price. A broker who knows shared ownership lenders can help.
Affordability check
Mortgage (95% of share, 30 yrs)–
Total monthly cost–
Rents usually rise each year.
Frequently asked questions
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Who can get shared ownership in London?
Households earning up to £90,000, usually first-time buyers.
Can any lender do shared ownership?
No, only those with shared ownership products.
