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Shared Ownership

Smiling father spends time with his young daughter after applying for a Shared Ownership mortgage with the Marsden.

Our Shared Ownership mortgages support those taking their first step (or return step) onto the property ladder using ‘part buy – part rent’ home ownership.

Last updated 08 February 2023.

What is Shared Ownership?

Shared Ownership is a Government-backed scheme which gives buyers the option to purchase a share of a home from a housing association, paying rent on the remaining share they don’t have ownership of. Also referred to as ‘part buy – part rent’, the scheme could be suitable for those who want to buy a home but can’t make up the full deposit.

Key criteria

Key criteria for our Shared Ownership range:

  • Available for purchase and remortgage
  • Available on houses only (new builds accepted up to 95%)
  • LTV based on maximum 75% equity share - up to 95% of share available
  • Client(s) must be able to staircase up to 100% ownership


View our full Shared Ownership criteria.

Featured product

Our featured product:

Sorry, there are currently no products available for this range.

Useful downloads

Downloads to help you apply:


You can find more forms and checklists on our Downloads page.

*Please note: When downloading the Affordability Calculator, you'll need to save the file into a trusted location (for example, your personal folders, not 'downloads') to ensure maximum accessibility.

Shared Ownership FAQs
Intermediary Faq Icon

Shared Ownership FAQs

Service standards

Service standards

How to apply

How to apply

Contact us

Contact us

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