Shared Equity Mortgages

Our mortgage search tools have quickly displayed and compared all the Shared Equity mortgages available. See the interest rates and deals on offer and compare the products against other mortgage products available.

change

This content comes from a hidden element on this page.

The inline option preserves bound JavaScript events and changes, and it puts the content back where it came from when it is closed.

Click me, it will be preserved!

If you try to open a new Colorbox while it is already open, it will update itself with the new content.

Updating Content Example:
Click here to load new content

Mortgage Expert



Mortgage calculator - How much do you want to borrow?

Searching: Standard

change

Speak to an advisor on 0161 731 0094 or Request a call back Today

Direct 2 Year Fixed £999 Fee Standard

Initial Rate
1.24%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£465.02

APR
3.4%

compare

Direct 2 Year Fixed £749 Fee C/A Premier/Advance Standard

Initial Rate
1.24%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£464.05

APR
3.4%

compare

Shared Equity 2 Year Tracker £999 Fee Existing Borrower

Initial Rate
1.44%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£476.62

APR
3.6%

compare

Direct Shared Equity 2 Year Tracker £999 Fee Existing Borrower C/A

Initial Rate
1.44%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£476.62

APR
3.4%

compare

Direct 3 Year Fixed £999 Fee Standard

Initial Rate
1.49%

Mortgage Type
Fixed

Duration
Jun-2020

Monthly Payment
£478.96

APR
3.3%

compare

Direct 3 Year Fixed £749 Fee C/A Premier/Advance Standard

Initial Rate
1.49%

Mortgage Type
Fixed

Duration
Jun-2020

Monthly Payment
£477.96

APR
3.2%

compare

HTB 2 Year Fixed £995 Fee

Initial Rate
1.53%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£481.62

APR
4.4%

compare

HTB Wales 2 Year Fixed £995 Fee

Initial Rate
1.53%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£481.62

APR
4.4%

compare

HTB Scotland 2 Year Fixed £995 Fee

Initial Rate
1.53%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£481.62

APR
4.4%

compare

Intermediary HTB 2 Year Tracker £999 Fee EQLoan

Initial Rate
1.54%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£482.18

APR
4.2%

compare

Intermediary HTB 2 Year Fixed £999 Fee EQLoan

Initial Rate
1.54%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£482.18

APR
4.1%

compare

Shared Equity 2 Year Fixed £999 Fee Existing Borrower

Initial Rate
1.54%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£482.26

APR
3.5%

compare

Shared Equity 2 Year Tracker £999 Fee

Initial Rate
1.54%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£482.26

APR
3.6%

compare

FTB Shared Equity 2 Year Tracker £999 Fee

Initial Rate
1.54%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£482.26

APR
3.6%

compare

Direct FTB Shared Equity 2 Year Tracker £999 Fee C/A

Initial Rate
1.54%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£482.26

APR
3.5%

compare

Direct Shared Equity 2 Year Fixed £999 Fee Existing Borrower C/A

Initial Rate
1.54%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£482.26

APR
3.4%

compare

Direct Shared Equity 2 Year Tracker £999 Fee C/A

Initial Rate
1.54%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£482.26

APR
3.5%

compare

HTB Wales 2 Year Discount £899 Fee Teachers Only

Initial Rate
1.59%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£484.61

APR
4.4%

compare

Intermediary Shared Equity 2 Year Fixed £999 Fee

Initial Rate
1.59%

Mortgage Type
Fixed

Duration
Mar-2019

Monthly Payment
£485.01

APR
3.5%

compare

HTB 2 Year Discount £899 Fee Teachers Only

Initial Rate
1.59%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£484.61

APR
4.4%

compare

Intermediary HTB 2 Year Fixed £999 Fee

Initial Rate
1.6%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£485.72

APR
4.9%

compare

Intermediary HTB Wales 2 Year Fixed £999 Fee

Initial Rate
1.6%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£485.72

APR
4.9%

compare

HTB Wales 2 Year Fixed £995 Fee Cashback

Initial Rate
1.63%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£487.27

APR
4.2%

compare

HTB Scotland 2 Year Fixed £995 Fee Cashback

Initial Rate
1.63%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£487.27

APR
4.1%

compare

HTB 2 Year Fixed £995 Fee Cashback

Initial Rate
1.63%

Mortgage Type
Fixed

Duration
May-2019

Monthly Payment
£487.27

APR
4.2%

compare

Intermediary HTB 2.5 Year Fixed £999 Fee EQLoan

Initial Rate
1.64%

Mortgage Type
Fixed

Duration
Nov-2019

Monthly Payment
£487.85

APR
4%

compare

Shared Equity 2 Year Fixed £999 Fee

Initial Rate
1.64%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£487.93

APR
3.6%

compare

FTB Shared Equity 2 Year Fixed £999 Fee

Initial Rate
1.64%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£487.93

APR
3.6%

compare

Direct FTB Shared Equity 2 Year Fixed £999 Fee C/A

Initial Rate
1.64%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£487.93

APR
3.5%

compare

Direct Shared Equity 2 Year Fixed £999 Fee C/A

Initial Rate
1.64%

Mortgage Type
Fixed

Duration
2 years

Monthly Payment
£487.93

APR
3.5%

compare

Direct / Semi Exclusive London HTB 2 Year Fixed £800 Fee Purchase

Initial Rate
1.69%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£489.89

APR
5.3%

compare

Direct / Semi Exclusive HTB 2 Year Fixed £800 Fee Purchase

Initial Rate
1.69%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£489.89

APR
5.3%

compare

Direct 2 Year Fixed No Fee

Initial Rate
1.69%

Mortgage Type
Fixed

Duration
Jun-2019

Monthly Payment
£486.62

APR
3.4%

compare

Direct Shared Equity 2 Year Fixed £995 Fee Purchase

Initial Rate
1.74%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£493.70

APR
3.5%

compare

HTB Wales 2 Year Discount £899 Fee

Initial Rate
1.74%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£493.16

APR
4.4%

compare

HTB 2 Year Discount £899 Fee

Initial Rate
1.74%

Mortgage Type
Discount

Duration
2 years

Monthly Payment
£493.16

APR
4.4%

compare

Intermediary Shared Equity 2 Year Fixed £995 Fee Purchase

Initial Rate
1.74%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£493.70

APR
3.5%

compare

Direct HTB 2 Year Fixed £995 Fee

Initial Rate
1.74%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£493.70

APR
3.5%

compare

Intermediary HTB 2 Year Fixed £995 Fee

Initial Rate
1.74%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£493.70

APR
3.5%

compare

Brightstar HTB 2 Year Discount £499 Fee (Local Area)

Initial Rate
1.79%

Mortgage Type
Discount

Duration
Jan-2019

Monthly Payment
£494.87

APR
5%

compare

HTB 2 Year Discount £499 Fee (Local Area)

Initial Rate
1.79%

Mortgage Type
Discount

Duration
Jan-2019

Monthly Payment
£494.87

APR
5%

compare

Direct Shared Equity 2 Year Fixed £995 Fee

Initial Rate
1.84%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£499.43

APR
3.8%

compare

Direct Shared Equity 2 Year Fixed £995 Fee

Initial Rate
1.84%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£495.29

APR
3.8%

compare

Direct HTB 2 Year Fixed £995 Fee Shared Equity

Initial Rate
1.84%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£495.29

APR
3.8%

compare

Direct HTB 2 Year Fixed £995 Fee Shared Equity

Initial Rate
1.84%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£499.43

APR
3.8%

compare

Shared Equity 2 Year Tracker No Fee Existing Borrower

Initial Rate
1.84%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£495.25

APR
3.6%

compare

Direct Shared Equity 2 Year Tracker No Fee Existing Borrower C/A

Initial Rate
1.84%

Mortgage Type
Tracker

Duration
2 years

Monthly Payment
£495.25

APR
3.5%

compare

Intermediary Shared Equity 2 Year Fixed £995 Fee

Initial Rate
1.84%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£499.43

APR
3.5%

compare

Intermediary HTB 2 Year Fixed £995 Fee Shared Equity

Initial Rate
1.84%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£499.43

APR
3.5%

compare

Intermediary Shared Equity 2 Year Fixed £995 Fee

Initial Rate
1.84%

Mortgage Type
Fixed

Duration
Apr-2019

Monthly Payment
£495.29

APR
3.5%

compare



close

Get professional mortgage advice from our approved mortgage experts

Mortgages | Fixed Rate | Variable Rate | First Time Buyer | Buy to Let | Interest Only | Remortgages | Tracker | Mortgage Lenders

Recent mortgage Q&A

What are shared equity mortgages?

Shared equity mortgages

Shared equity mortgages are designed for people who have a household income of less than £60,000 per year and who are also unable to buy a home outright. The scheme is based on you taking out a loan that provides part of the deposit. This is particularly helpful to anyone who is unable to raise a large enough deposit to qualify for a mortgage and so can make it either possible, or easier, to take out a mortgage to get onto the housing ladder.

Although you have both a loan and a mortgage on the property, you do actually legally own all of the property. It is an attractive option as it means that you are potentially able to get onto the housing ladder without having to have a large deposit available. In the long term it could work out as being a more expensive option because of the repayment terms of the equity loan. During the first five years of the loan there is no interest charged, but in the sixth year a fee of 1.75% is charged, and this then rises each year by the retail price index, plus an additional 1%. Therefore you will have paid a substantial amount of interest should you keep the equity loan for the full 25 years.

mortgages

Paying off the equity loan

There are a number of ways of reducing the cost of the using an equity loan. Firstly, the schemes allow you to pay off up to 10% of the loan each year after the first year. This not only means that you reduce the overall debt on your home, it also means that you are paying less in interest. This is known as staircasing.

In order to avoid paying the higher interest rates as time goes on it possible to use your increased financial stability and proof of timely repayments to increase your mortgage and pay off the equity loan, leaving you with a standard mortgage at standard rates. You will need to have the household income required by the banks in order to carry this out, so it is worth considering what your income is likely to be over the next five to ten years before you take on an equity loan.

In order to sell a shared equity property you will need approval for the sale, which is essentially just a formality but ensures that properties are not sold on without the knowledge of the shared equity agent.

Related mortgage articles

We are independently reviewed by our verified customers and web users:
Rating: 4.4 / 5 with 7 votes

Lending Expert - We Are Regulated Market Experts