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Shared Ownership Mortgages
We are supporting the Government’s Shared Ownership scheme. This scheme allows you to purchase part of a home and pay rent for the remaining share.
Our mortgages
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Shared Ownership - 2 Year Discount 95% LTV
Initial Interest Rate
5.59%
Maximum Loan To Value (LTV)
95%
Overall Cost for Comparison
7.80%
Product Code
DP289
The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 5.59% for 2 years, a further discounted variable rate of 7.24% for 4 years, followed by our Standard Variable Rate of 8.49%. In this example you would make 24 monthly payments of £1,341.99, 48 payments of £1,551.01 and 228 monthly payments of £1,697.48.
The total amount payable would be £493,981.68 made up of the loan amount plus interest of £277,047.68 and the following costs, a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).
The overall cost for comparison is 7.8% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Shared Ownership - 2 Year Fixed Rate 95% LTV (fixed until 30.04.2027)
Initial Interest Rate
5.49%
Maximum Loan To Value (LTV)
95%
Overall Cost for Comparison
7.70%
Product Code
DP290
The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a fixed rate of 5.49% until 30th April 2027, a further discounted rate of 7.24% until 30th April 2031, followed by our Standard Variable Rate of 8.49%. In this example you would make 24 monthly payments of £1,329.03, 48 payments of £1,547.64 and 228 monthly payments of £1,691.91.
The total amount payable would be £490,787.40 made up of the loan amount plus interest of £273,853.40 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£200.00) and a Mortgage Exit Administration Fee (£75.00).
The overall cost for comparison is 7.70% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.
Shared Ownership - 5 Year Fixed Rate 95% LTV (fixed until 28.02.2030)
Initial Interest Rate
5.29%
Maximum Loan To Value (LTV)
95%
Overall Cost for Comparison
7.20%
Product Code
DP291
The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a fixed rate of 5.29% until 28th February 2030, a further discounted rate of 7.24% until 28th February 2031, followed by our Standard Variable Rate of 8.49%. In this example you would make 62 monthly payments of £1,303.29, 12 payments of £1,520.96 and 226 monthly payments of £1,663.67.
The total amount payable would be £475,344.92 made up of the loan amount plus interest of £258,410.92 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£200.00) and a Mortgage Exit Administration Fee (£75.00).
The overall cost for comparison is 7.20% APRC representative.
Note: What you will pay may vary from this and will depend on your personal circumstances.