100%  SHARED OWNERSHIP MORTGAGES   NO DEPOSIT MORTGAGES  LOWEST RATE 100%  ADVERSE CREDIT ALSO CONSIDERED FOR SHARED OWNERSHIP 95% FROM 5.6% APR NEW BUILD ACCEPTED

SHARED OWNERSHIP PLANS Now available;
Up to 100% of share, with or without adverse credit, lowest rate on market for this type of mortgage.  (Includes New Build houses & flats, plus restricted staircasing). Rate 9.50% 100% and/or adverse applications.

THE 100% MORTGAGE IS STILL AVAILABLE FOR SHARED OWNERSHIP BUT YOU MAY FIND 95% IS A BETTER OPTION THOUGH BY THE TIME FEES ARE TAKEN INTO ACCOUNT. PLEASE ASK FOR BOTH QUOTES. RATE FOR 95% IS UP TO 4.0% ARP LOWER

CRITERIA FOR 100% AND ADVERSE CREDIT SHARED OWNERSHIP MORTGAGES

● Full affordability assessment carried out by us before quoting
● Affordability based on basic income, part overtime and bonus, all of PAYE second job income
   considered. and all regular expenditure must meet criteria 
● Monthly Tax Credits considered if not more in total than 20% of gross basic monthly income
● Up to 2 defaults or CCJ in the last 12 months (none in the last 6 months)
● Older adverse considered in addition subject to underwriter approval.
● Must be in current job for at least 12 months (some exceptions may be considered)
● Not available for properties in Scotland
● Self employed not accepted. Self-cert income not accepted.
● Only CSA or Court Order payments accepted for maintenance as income.
● New build houses and flats acceptable up to 100% of share (flats restricted to 6 storeys)

CRITERIA FOR 95% MORTGAGE

● Adverse credit satisfied over 4 years old my be considered but none since


Your home may be repossessed if you do not keep up repayments on your mortgage.