Helping you with
Alternative home loan solutions
There are a range of home-buying schemes available to buyers with differing needs. It could be that you are interested in or have heard of shared ownership or shared equity schemes and would like to understand more. We have years of experience and can help explain how these schemes work, whether or not you are eligible for them and can assist with any applications along with the mortgage.
Specialist lending solutions
Shared Equity
With a shared equity mortgage or Partnership Mortgage, a lender will agree to give you a loan alongside your main mortgage in return for a share of any profits when you sell your house or repay the loan.
Shared Ownership
You can buy a home through the shared ownership scheme if you cannot afford all of the deposit and mortgage payments for a home that meets your needs. You buy a share of the property and pay rent to a landlord on the rest. You buy a share between 10% and 75% of the home's full market value, pay rent to the landlord for the share they own and usually pay ground rent and service charges for maintenance of communal areas. The share you can buy is usually between 25% and 75% although you can buy a 10% share on some homes. You can take out a mortgage to buy your share or pay for it with savings. You'll also need to pay a deposit, usually between 5% and 10% of the share you're buying.
Right to Buy
Allows most council tenants to buy their council home at a discount. Use the eligibility checker on the Own Your Home website to find out if you can apply.
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Your home may be repossessed if you do not keep up repayments on your mortgage.
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Kaylee M.
"Jodene is amazing!! She explains everything thoroughly and is so reassuring throughout the whole process. She is very responsive and gives regular updates. All whilst being so friendly! I would absolutely recommend!."
"I would definitely recommend Jodene. She is extremely knowledgeable, helpful and quick to respond to emails or phone calls. The process was explained very well and was easy from start to finish. Thank you for your help.."
Natasha R.
"I highly recommend Jodene, she has just helped us get our first mortgage. So helpful every step of the way! Can't thank Jodene enough!!"