Shared Equity Mortgages   Adverse Credit (if satisfied for at least 3 years) Shared Equity Up to 90% available on shared equity (100% Wales only)

Mortgages for Shared equity. Mortgages for affordable housing  Adverse credit mortgages for shared equity also available

Please check first if the housing association, builder or estate agent has properties for sale in your price range. Mortgages are available including adverse credit up to 100%

We can help you with a mortgage of up to 90% of share on builder's shared equity and 90% on Home Buy Direct (Housing Association loan scheme) property schemes. If the property is in Wales then up to 100% is possible.

Adverse Credit
For applications where there has been past adverse credit this must have been satisfied for at least 3 years with no adverse credit since.

Approval needed first?
Shared Equity schemes require you to be approved by the housing association or home buy agency (also housing associations) but Shared Equity Builder schemes do not. We can provide you with a decision in principle so that you can let them know you can get a mortgage.

Owners wishing to remortgage
We can arrange a remortgage for you for almost any reason, including debt consolidation. In fact for shared equity applications capital raising to release funds is becoming very popular. We can actually arrange up to 90% of your share. Therefore you must have built up some equity in your share.

Useful information
We have over 10 years experience in arranging this type of mortgage and we carry out an affordability assessment as a routine process before we quote.


Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

SHARED EQUITY MORTGAGE SCHEMES