Shared Ownership Mortgages

We’re proud to have a common sense approach to lending – with each case being manually underwritten. This means that throughout the process, we’re able to offer flexibility to support you and your clients with direct access to an underwriter.


Houses For Shared Ownership
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Shared Ownership Mortgages

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Shared Ownership - 2 Year Discount 95% LTV

Initial Interest Rate

5.40%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

7.27%

Product Code

IP512

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a discounted variable rate of 5.40% for 2 years, a further discounted variable rate of 6.39% for 4 years, followed by our Standard Variable Rate of 8.14%. In this example you would make 1 payment of £1,926.93, 22 monthly payments of £1,101.40, 48 payments of £1,196.58, 224 monthly payments of £1,358.63 and 1 payment of £490.58.

The total amount payable would be £388,685.27 made up of the loan amount plus interest of £208,417.27 and the following costs, a CHAPS/Telegraphic Transfer fee (£25.00), a Valuation Fee (£193.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.27% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.