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Residential policy


We offer shared ownership mortgages for capital and interest purchase and remortgage applications in England and Wales up to 95% LTV of the customer’s share (which must be 25% or more, and for a purchase must be no more than 75%). The maximum loan to income is 4.49x.

Our usual property criteria including for flats apply, but with a few differences: new build houses and flats are acceptable up to 95% LTV, we don’t cap the LTV for flats based on storey height, and we won’t lend on office or ex-local authority conversions.


New build cash incentives are acceptable subject to our usual deposit policy, but the customer must still provide a minimum 5% deposit themselves. It’s okay if this is from a family gift.


We do not accept remortgage applications unless a customer is purchasing an additional share to take their ownership of the property to 100%.


Existing customers

For existing customers, the registered provider must give consent for a product transfer, change of term, or consent to let. Additional borrowing is not available on existing shared ownership mortgages.

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