Compare Shared Ownership Mortgages

Shared Ownership mortgages

		Mortgage Type Buy to Let: For landlords purchasing a property for letting. Discount: The interest rate rises and falls with the provider’s standard variable rate but is set at a lower discounted rate for certain period. Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. Offset: Mortgage interest payments are offset against any savings you may hold. Tracker: The interest rate rises and falls with the Bank of England base rate. Variable: The interest rate rises and falls with the provider’s standard interest rate (SVR).	Initial Rate The introductory rate of interest that you will pay for a certain period of time depending on the mortgage type and term.	Initial Term The length of time that the initial interest rate applies to the mortgage.	Final Rate Also referred to as Subsequent Rate - the interest rate that your mortgage will revert to after any introductory rates have finished.	Cost For Comparison This is the mortgage’s Annual Percentage Rate (APR): the interest rate that you will be charged on your mortgage including all charges such as arrangement fees.	Loan to value The percentage of a property’s value for which the mortgage can be used. Example: 75% loan to value = 25% deposit.	Fee to Apply This is the fee that must be paid to the lender when you take out the mortgage. It can be applied to the loan or paid separately.
	HSBC 2yr 2.19% Discount LTV 60% Special Direct + More Details	Discount	1.75%	24	3.94%	3.80%	60%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 1.75% Initial Term 24 months Rate Discount Term 24 months Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Discount Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 1.89% Fixed LTV 60% Special Direct + More Details	Fixed	1.89%	31/08/2015	3.94%	3.80%	60%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £500000 Shared Ownership yes Initial Rate 1.89% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC Lifetime BBR + 1.78% LTV 60% Special Direct + More Details	Tracker	2.28%	term	n/a	2.40%	60%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 2.28% Initial Term term Final Rate n/a Overall Cost for Comparison 2.40% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	Santander UK plc 2yr 2.29% Fixed H/P C/B LTV 60% + More Details	Fixed	2.29%	02/07/2015	4.74%	4.40%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.29% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.29% Fixed R/M C/B LTV 60% + More Details	Fixed	2.29%	02/07/2015	4.74%	4.30%	60%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 40% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.29% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 1.55% Discount LTV 60% Special Direct + More Details	Discount	2.39%	24	3.94%	3.80%	60%	£499	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 2.39% Initial Term 24 months Rate Discount Term 24 months Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Discount Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.39% Fixed H/P C/B LTV 70% Direct Ex/C + More Details	Fixed	2.39%	02/07/2015	4.74%	4.50%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.39% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.39% Fixed R/M C/B LTV 70% Direct Ex/C + More Details	Fixed	2.39%	02/07/2015	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.39% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.39% Fixed R/M LTV 70% Direct Ex/C + More Details	Fixed	2.39%	02/07/2015	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.39% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.44% Fixed H/P C/B LTV 70% + More Details	Fixed	2.44%	02/07/2015	4.74%	4.50%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.44% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.44% Fixed R/M C/B LTV 70% + More Details	Fixed	2.44%	02/07/2015	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.44% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr BBR + 1.94% H/P C/B LTV 70% + More Details	Tracker	2.44%	24 months	4.74%	4.50%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 149 8421
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.44% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr BBR + 1.94% R/M C/B LTV 70% + More Details	Tracker	2.44%	24 months	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 149 8421
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Shared Ownership yes Initial Rate 2.44% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 5yr 2.49% Fixed LTV 60% Special Direct + More Details	Fixed	2.49%	31/08/2018	3.94%	3.60%	60%	£1999	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £250000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £250000 Shared Ownership yes Initial Rate 2.49% Initial Term 31/08/2018 Final Rate 3.94% Overall Cost for Comparison 3.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 2.59% Fixed LTV 60% Fee Free Special + More Details	Fixed	2.59%	31/08/2015	3.94%	3.80%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £500000 Shared Ownership yes Initial Rate 2.59% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 3yr 2.59% Fixed H/P C/B LTV 70% + More Details	Fixed	2.59%	02/07/2016	4.74%	4.30%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.59% Initial Term 02/07/2016 Final Rate 4.74% Overall Cost for Comparison 4.30% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 3yr 2.59% Fixed R/M C/B LTV 70% + More Details	Fixed	2.59%	02/07/2016	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.59% Initial Term 02/07/2016 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 3yr 2.59% Fixed R/M LTV 70% + More Details	Fixed	2.59%	02/07/2016	4.74%	4.40%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.59% Initial Term 02/07/2016 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 2.69% Fixed LTV 70% Direct + More Details	Fixed	2.69%	31/08/2015	3.94%	3.80%	70%	£599	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.69% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 2.69% Fixed LTV 70% Ex/C Advance Direct + More Details	Fixed	2.69%	31/08/2015	3.94%	3.80%	70%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.69% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 2.69% Fixed LTV 70% Ex/C Premier Direct + More Details	Fixed	2.69%	31/08/2015	3.94%	3.80%	70%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.69% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.69% Fixed H/P C/B Ex/B LTV 75% + More Details	Fixed	2.69%	02/07/2015	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.69% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.69% Fixed H/P C/B LTV 75% Direct Ex/C + More Details	Fixed	2.69%	02/07/2015	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.69% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.69% Fixed R/M C/B LTV 75% Direct Ex/C + More Details	Fixed	2.69%	02/07/2015	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.69% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.69% Fixed R/M LTV 75% Direct Ex/C + More Details	Fixed	2.69%	02/07/2015	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.69% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC Lifetime BBR + 2.19% LTV 70% Direct + More Details	Tracker	2.69%	term	n/a	2.80%	70%	£599	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.69% Initial Term term Final Rate n/a Overall Cost for Comparison 2.80% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	HSBC Lifetime BBR + 2.19% LTV 70% Ex/C Adv Direct + More Details	Tracker	2.69%	term	n/a	2.80%	70%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.69% Initial Term term Final Rate n/a Overall Cost for Comparison 2.80% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	HSBC Lifetime BBR + 2.19% LTV 70% Ex/C Prem Direct + More Details	Tracker	2.69%	term	n/a	2.80%	70%	£299	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.69% Initial Term term Final Rate n/a Overall Cost for Comparison 2.80% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan yes
	HSBC Lifetime BBR+2.19% LTV 60% Fee Free Special Direct + More Details	Tracker	2.69%	term	n/a	2.70%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Shared Ownership yes Initial Rate 2.69% Initial Term term Final Rate n/a Overall Cost for Comparison 2.70% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan na
	Santander UK plc 2yr BBR + 2.19% H/P C/B Ex/B LTV 75% + More Details	Tracker	2.69%	24 months	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 149 8421
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership yes Initial Rate 2.69% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.74% Fixed H/P C/B LTV 75% + More Details	Fixed	2.74%	02/07/2015	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.74% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.74% Fixed R/M C/B LTV 75% + More Details	Fixed	2.74%	02/07/2015	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.74% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr 2.74% Fixed R/M LTV 75% + More Details	Fixed	2.74%	02/07/2015	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.74% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr BBR + 2.24% H/P C/B LTV 75% + More Details	Tracker	2.74%	24 months	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 149 8421
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Shared Ownership yes Initial Rate 2.74% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 2yr BBR + 2.24% R/M C/B LTV 75% + More Details	Tracker	2.74%	24 months	4.74%	4.60%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 149 8421
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Shared Ownership yes Initial Rate 2.74% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 3yr 2.94% Fixed H/P C/B Ex/B LTV 75% + More Details	Fixed	2.94%	02/07/2016	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.94% Initial Term 02/07/2016 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 2yr 2.99% Fixed LTV 70% Fee Free Direct + More Details	Fixed	2.99%	31/08/2015	3.94%	3.80%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.99% Initial Term 31/08/2015 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	HSBC 5yr 2.99% Fixed LTV 60% Fee Free Special + More Details	Fixed	2.99%	31/08/2018	3.94%	3.60%	60%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 40% Max Loan: £500000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 40% Max Mortgage Amount £500000 Shared Ownership yes Initial Rate 2.99% Initial Term 31/08/2018 Final Rate 3.94% Overall Cost for Comparison 3.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Santander UK plc 2yr 2.99% Fixed H/P C/B LTV 70% + More Details	Fixed	2.99%	02/07/2015	4.74%	4.60%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £550000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £550000 Shared Ownership yes Initial Rate 2.99% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.60% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Santander UK plc 2yr 2.99% Fixed R/M C/B LTV 70% + More Details	Fixed	2.99%	02/07/2015	4.74%	4.40%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £550000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £550000 Shared Ownership yes Initial Rate 2.99% Initial Term 02/07/2015 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan na
	Santander UK plc 3yr 2.99% Fixed H/P C/B LTV 75% + More Details	Fixed	2.99%	02/07/2016	4.74%	4.50%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.99% Initial Term 02/07/2016 Final Rate 4.74% Overall Cost for Comparison 4.50% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 3yr 2.99% Fixed R/M C/B LTV 75% + More Details	Fixed	2.99%	02/07/2016	4.74%	4.40%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.99% Initial Term 02/07/2016 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 3yr 2.99% Fixed R/M LTV 75% + More Details	Fixed	2.99%	02/07/2016	4.74%	4.40%	75%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 25% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 25% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.99% Initial Term 02/07/2016 Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 5yr 2.99% Fixed H/P C/B LTV 70% + More Details	Fixed	2.99%	02/07/2018	4.74%	4.20%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.99% Initial Term 02/07/2018 Final Rate 4.74% Overall Cost for Comparison 4.20% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	Santander UK plc 5yr 2.99% Fixed R/M C/B LTV 70% + More Details	Fixed	2.99%	02/07/2018	4.74%	4.10%	70%	£995	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 115 1299
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 2.99% Initial Term 02/07/2018 Final Rate 4.74% Overall Cost for Comparison 4.10% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC Lifetime BBR + 2.49% LTV 70% Fee Free Direct + More Details	Tracker	2.99%	term	n/a	3.00%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.99% Initial Term term Final Rate n/a Overall Cost for Comparison 3.00% Product Type Tracker Current Account/Offset no Early Repayment Charge no Application Fee Added to Loan na
	Santander UK plc 2yr BBR + 2.49% H/P C/B LTV 70% + More Details	Tracker	2.99%	24 months	4.74%	4.60%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: yes Homemover: yes Remortgage: no Call Direct 0808 149 8421
Application Criteria Product Details Fees and Charges Available for Remortgage no Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Shared Ownership yes Initial Rate 2.99% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.60% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	Santander UK plc 2yr BBR + 2.49% R/M C/B LTV 70% + More Details	Tracker	2.99%	24 months	4.74%	4.40%	70%	No Fee	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% First time buyer: no Homemover: no Remortgage: yes Call Direct 0808 149 8421
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers no Available for Home Movers no Minimum Deposit 30% Shared Ownership yes Initial Rate 2.99% Initial Term 24 months Final Rate 4.74% Overall Cost for Comparison 4.40% Product Type Tracker Current Account/Offset no Early Repayment Charge yes Application Fee Added to Loan na
	HSBC 5yr 3.19% Fixed LTV 70% Direct + More Details	Fixed	3.19%	31/08/2018	3.94%	3.80%	70%	£599	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 3.19% Initial Term 31/08/2018 Final Rate 3.94% Overall Cost for Comparison 3.80% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
	HSBC 5yr 3.19% Fixed LTV 70% Ex/C Advance Direct + More Details	Fixed	3.19%	31/08/2018	3.94%	3.70%	70%	£399	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Deposit: 30% Max Loan: £1000000 First time buyer: yes Homemover: yes Remortgage: yes Call Direct 0800 077 4339
Application Criteria Product Details Fees and Charges Available for Remortgage yes Available for First Time Buyers yes Available for Home Movers yes Minimum Deposit 30% Max Mortgage Amount £1000000 Shared Ownership yes Initial Rate 3.19% Initial Term 31/08/2018 Final Rate 3.94% Overall Cost for Comparison 3.70% Product Type Fixed Current Account/Offset no Overpayments Allowed? restricted Early Repayment Charge yes Application Fee Added to Loan yes
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

About shared ownership mortgages

A shared ownership mortgage is a great way for people to get on the housing ladder if they cannot afford to take on the whole burden of repayments themselves.

These types of agreement work by allowing you to take a mortgage on only part of the house. A third party - usually a local council or housing association - buys the rest. Generally, your share can be anywhere from 25 to 75 per cent of the total value of the house. As well as the mortgage repayment on your part of the loan, you will pay rent on the remaining share.

As such, shared ownership mortgages can be particularly beneficial to first time buyers, those on a low income, people who want to buy a home as an individual rather than with a partner, or people whose current level of income is not guaranteed.

These schemes also allow people to buy a home in an area where they might not be able to afford to otherwise.

There is usually an option to increase your mortgage at a set time in order to buy the other stake holder out of their share. The idea is that by this stage you may have progressed in your earnings and can then afford the full repayment. This is known as a stepped option.

Some lenders offer 100 per cent loan-to-value ratios on your share of the property, meaning you won't have to pay a deposit.

You'll need to check with the local authorities in your area to see what schemes are currently on offer.

Click here for Know Your Money's guide to getting onto the property ladder.

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