Compare Shared Ownership Mortgages
Designed to help people who cannot afford to buy a property outright get onto the property ladder, shared ownership mortgages allow borrowers to buy a share in a property – usually 25-75%. You can compare the latest shared ownership mortgage rates below.
Click below on the type of mortgage you want to compare
Shared Ownership mortgages
| Mortgage Type Fixed: The interest rate is fixed for a certain period – usually 1 to 5 years. | 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 The interest rate that your mortgage will revert to after any introductory rates have finished. | APR This is the mortgage’s Annual Percentage Rate: the interest rate that you will be charged on your mortgage including all charges such as arrangement fees (also referred to as Cost For Comparison). | Loan to value The percentage of a property’s value for which the mortgage can be used. | 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 1.95% Discount LTV 60% Special Direct [Show Details] | Discount | 1.99% | 24 | 3.94% | 3.80% | 60% | £1499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
![]() | HSBC 2yr 2.24% Fixed LTV 60% Special Direct [Show Details] | Fixed | 2.24% | 31/05/2014 | 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.
Call Direct 0800 077 4283 | ||||||||||||||
![]() | HSBC Lifetime BBR + 1.89% LTV 60% Special Direct [Show Details] | Tracker | 2.39% | term | n/a | 2.50% | 60% | £999 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
![]() | HSBC Lifetime BBR + 1.99% LTV 60% Special Direct [Show Details] | Tracker | 2.49% | term | n/a | 2.50% | 60% | No Fee | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
![]() | HSBC Lifetime BBR + 2.09% LTV 70% Direct [Show Details] | Tracker | 2.59% | term | n/a | 2.70% | 70% | £599 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
![]() | HSBC Lifetime BBR + 2.09% LTV 70% Ex/C Adv Dir [Show Details] | Tracker | 2.59% | term | n/a | 2.70% | 70% | £399 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
| Available for existing HSBC customers only. | |||||||||||||||||||||||
![]() | HSBC Lifetime BBR + 2.09% LTV 70% Ex/C Prem Dir [Show Details] | Tracker | 2.59% | term | n/a | 2.70% | 70% | £299 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
| Available for existing HSBC customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) O Plan FM 2yr 2.84% Fxd BBR R/M C/B LTV 60% Lge Ln [Show Details] | Fixed | 2.84% | 31/05/2014 | 3.89% | 4.00% | 60% | £2499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr 2.84% Fixed BBR LTV 60% Lge Loan [Show Details] | Fixed | 2.84% | 31/05/2014 | 3.89% | 4.00% | 60% | £2499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr 2.84% Fxd BBR R/M LTV 60% Lge Loan [Show Details] | Fixed | 2.84% | 31/05/2014 | 3.89% | 4.00% | 60% | £2499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | Santander UK plc 2yr BBR + 2.34% Tracker H/P C/B LTV 60% Direct [Show Details] | Tracker | 2.84% | 24 months | 4.24% | 4.10% | 60% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Santander UK plc 2yr BBR + 2.34% Tracker R/M C/B LTV 60% Direct [Show Details] | Tracker | 2.84% | 24 months | 4.24% | 4.10% | 60% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Santander UK plc 2yr BBR + 2.34% Tracker R/M LTV 60% Direct [Show Details] | Tracker | 2.84% | 24 months | 4.24% | 4.10% | 60% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Santander UK plc 2yr 2.89% Fixed H/P C/B LTV 60% Direct [Show Details] | Fixed | 2.89% | 02/04/2014 | 4.24% | 4.20% | 60% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | HSBC Lifetime BBR + 2.39% LTV 70% Direct [Show Details] | Tracker | 2.89% | term | n/a | 2.90% | 70% | No Fee | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
![]() | HSBC 2yr 2.99% Fixed LTV 70% Direct [Show Details] | Fixed | 2.99% | 31/05/2014 | 3.94% | 3.90% | 70% | £599 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
![]() | HSBC 2yr 2.99% Fxd LTV 70% Ex/C Advanced Direct [Show Details] | Fixed | 2.99% | 31/05/2014 | 3.94% | 3.90% | 70% | £399 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
| Available for existing HSBC customers only. | |||||||||||||||||||||||
![]() | HSBC 2yr 2.99% Fxd LTV 70% Ex/C Premier Direct [Show Details] | Fixed | 2.99% | 31/05/2014 | 3.94% | 3.90% | 70% | £299 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
| Available for existing HSBC customers only. | |||||||||||||||||||||||
![]() | Santander UK plc 2yr 2.99% Fixed R/M C/B LTV 60% Direct [Show Details] | Fixed | 2.99% | 02/04/2014 | 4.24% | 4.30% | 60% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Santander UK plc 2yr 2.99% Fixed R/M LTV 60% Direct [Show Details] | Fixed | 2.99% | 02/04/2014 | 4.24% | 4.30% | 60% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | HSBC Lifetime BBR + 2.49% LTV 80% Direct [Show Details] | Tracker | 2.99% | term | n/a | 3.10% | 80% | £599 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
![]() | HSBC Lifetime BBR + 2.49% LTV 80% Ex/C Adv Dir [Show Details] | Tracker | 2.99% | term | n/a | 3.10% | 80% | £399 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
| Available for existing HSBC customers only. | |||||||||||||||||||||||
![]() | HSBC Lifetime BBR + 2.49% LTV 80% Ex/C Prem Dir [Show Details] | Tracker | 2.99% | term | n/a | 3.10% | 80% | £299 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
| Available for existing HSBC customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr BBR + 2.49% Offset LTV 70% [Show Details] | Tracker | 2.99% | 31/05/2014 | 3.89% | 3.90% | 70% | £1999 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | Santander UK plc 2yr BBR + 2.54% Tracker H/P C/B LTV 75% Direct [Show Details] | Tracker | 3.04% | 24 months | 4.24% | 4.20% | 75% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Santander UK plc 2yr BBR + 2.54% Tracker R/M C/B LTV 75% Direct [Show Details] | Tracker | 3.04% | 24 months | 4.24% | 4.20% | 75% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Santander UK plc 2yr BBR + 2.54% Tracker R/M LTV 75% Direct [Show Details] | Tracker | 3.04% | 24 months | 4.24% | 4.20% | 75% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Woolwich (Barclays) Openplan 2yr 3.09% Fixed BBR R/M C/B Ex/C LTV 60% [Show Details] | Fixed | 3.09% | 31/05/2014 | 3.89% | 3.90% | 60% | £499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
| Available for existing Woolwich (Barclays) customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr 3.09% Fixed BBR LTV 60% [Show Details] | Fixed | 3.09% | 31/05/2014 | 3.89% | 3.90% | 60% | £999 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | Santander UK plc 2yr 3.19% Fixed H/P C/B LTV 75% Direct [Show Details] | Fixed | 3.19% | 02/04/2014 | 4.24% | 4.20% | 75% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Santander UK plc 2yr 3.19% Fixed R/M C/B LTV 75% Direct [Show Details] | Fixed | 3.19% | 02/04/2014 | 4.24% | 4.20% | 75% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Santander UK plc 2yr 3.19% Fixed R/M LTV 75% Direct [Show Details] | Fixed | 3.19% | 02/04/2014 | 4.24% | 4.20% | 75% | £995 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Woolwich (Barclays) Openplan 2yr BBR + 2.69% R/M Ex/C LTV 60% [Show Details] | Tracker | 3.19% | 31/05/2014 | 3.89% | 3.90% | 60% | £499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
| Available for existing Woolwich (Barclays) customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr BBR + 2.69% Ex/C LTV 60% [Show Details] | Tracker | 3.19% | 31/05/2014 | 3.89% | 3.90% | 60% | £499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
| Available for existing Woolwich (Barclays) customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr BBR + 2.69% LTV 60% [Show Details] | Tracker | 3.19% | 31/05/2014 | 3.89% | 3.90% | 60% | £999 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr BBR + 2.69% R/M LTV 60% [Show Details] | Tracker | 3.19% | 31/05/2014 | 3.89% | 3.90% | 60% | £999 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | HSBC 2yr 3.29% Fixed LTV 70% Fee Free Direct [Show Details] | Fixed | 3.29% | 31/05/2014 | 3.94% | 3.90% | 70% | No Fee | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
![]() | Santander UK plc 2yr 3.29% Fixed H/P C/B LTV 60% Ex/C Direct [Show Details] | Fixed | 3.29% | 02/04/2014 | 4.24% | 4.20% | 60% | No Fee | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 032 4610 | ||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr 3.29% Fixed BBR Ex/C LTV 70% [Show Details] | Fixed | 3.29% | 31/05/2014 | 3.89% | 3.90% | 70% | £499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
| Available for existing Woolwich (Barclays) customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr 3.29% Fxd BBR LTV 70% [Show Details] | Fixed | 3.29% | 31/05/2014 | 3.89% | 3.90% | 70% | £999 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr 3.29% Fxd BBR R/M Ex/C LTV 70% [Show Details] | Fixed | 3.29% | 31/05/2014 | 3.89% | 3.90% | 70% | £499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
| Available for existing Woolwich (Barclays) customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr 3.29% Fxd BBR R/M LTV 70% [Show Details] | Fixed | 3.29% | 31/05/2014 | 3.89% | 3.90% | 70% | £999 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | HSBC Lifetime BBR + 2.79% LTV 80% Direct [Show Details] | Tracker | 3.29% | term | n/a | 3.30% | 80% | No Fee | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0800 077 4283 | ||||||||||||||
![]() | Woolwich (Barclays) Openplan 2yr BBR + 2.79% R/M C/B Ex/C LTV 70% [Show Details] | Tracker | 3.29% | 31/05/2014 | 3.89% | 3.90% | 70% | £499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
| Available for existing Woolwich (Barclays) customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) Openplan 2yr BBR + 2.79% R/M Ex/C LTV 70% [Show Details] | Tracker | 3.29% | 31/05/2014 | 3.89% | 3.90% | 70% | £499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
| Available for existing Woolwich (Barclays) customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr BBR + 2.79% Ex/C LTV 70% [Show Details] | Tracker | 3.29% | 31/05/2014 | 3.89% | 3.90% | 70% | £499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
| Available for existing Woolwich (Barclays) customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr BBR + 2.79% LTV 70% [Show Details] | Tracker | 3.29% | 31/05/2014 | 3.89% | 3.90% | 70% | £999 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr BBR + 2.79% Offset Ex/C LTV 70% [Show Details] | Tracker | 3.29% | 31/05/2014 | 3.89% | 3.90% | 70% | £749 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
| Available for existing Woolwich (Barclays) customers only. | |||||||||||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr BBR + 2.79% Offset LTV 70% [Show Details] | Tracker | 3.29% | 31/05/2014 | 3.89% | 4.00% | 70% | £1499 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
![]() | Woolwich (Barclays) Openplan FM 2yr BBR + 2.79% R/M C/B LTV 70% [Show Details] | Tracker | 3.29% | 31/05/2014 | 3.89% | 3.90% | 70% | £999 | MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria.
Call Direct 0845 070 1569 | ||||||||||||||
| 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.
Editor's Choice
Mortgages Guides
- Types of mortgage
- First time buyers
- Fixed vs tracker
- How to pay off your mortgage early
- Offset mortgages
- Remortgaging
- Buy to let mortgages
- Self-build mortgages
- The self-employed mortgage market
- Getting on to the property ladder
- Banks vs building societies
- What happens when your house is undervalued?
Mortgage Calculators
- How much can I borrow?
- How much will it cost?
- What will happen if interest rates rise or fall?
- How much can I borrow on a buy to let mortgage?
- How much rent should I charge?
- Can I change my mortgage lender if I have early repayment charges?
- Effects of making overpayments
- Will my endowment repay my whole mortgage?
- Stamp duty calculator
- All mortgage calculators












Follow us on Facebook