Shared Ownership
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Shared Ownership schemes can help to make owning your own home that bit more affordable - and our range of mortgages can help along the journey.
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Shared Ownership Mortgages with The Cambridge
Shared Ownership schemes are a way to help buying a home become a more affordable option. As well as offering a range of mortgages designed specifically for people buying through a Shared Ownership scheme (including options for people who want to borrow up to 95% of their share's value), we've put together a guide which tells you all you might want to know about what it means to buy a Shared Ownership property - read on to learn about who is eligible, what you do to increase your share of the property and more.
So what next?
- If you'd like to see what mortgages we may be able to offer for your new home, simply fill in your details below and you'll get a list of the products which may be suitable - this list may include products which don't cover Shared Ownership properties, so look for those with Shared Ownership in the title.
- If you'd like to find out more about the process of applying for a mortgage check out our guides. If you'd like to discuss the options available then speak with our team on the phone in branch or via live chat.
- Or, if you're ready to take that step onto the property ladder, book an appointment today.
Which mortgage is right for you?
Results
2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.19% | 5.24% | 4.6% APRC | 80% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
| 2.39% | 5.24% | 4.9% APRC | 90% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
Help to Buy 2 Year Discounted Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.24% | 5.24% | 4.6% APRC | 75% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.29% | 5.24% | 4.8% APRC | 80% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
| 2.49% | 5.24% | 4.9% APRC | 90% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Interest Only 2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.29% | 5.24% | 5.0% APRC | 70% | £199.00 | £400.00 | £400.00 | £1,500.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Help to Buy 2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.39% | 5.24% | 4.7% APRC | 75% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.49% | 5.24% | 4.8% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
| 2.69% | 5.24% | 4.9% APRC | 90% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
2 Year Discounted Variable Rate Buy to Let Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.59% | 5.89% | 5.4% APRC | 75% | £199.00 | £800.00 | £800.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.64% | 5.24% | 3.9% APRC | 80% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
| 2.84% | 5.24% | 4.5% APRC | 90% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five
Interest Only 5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.64% | 5.24% | 3.9% APRC | 70% | £199.00 | £400.00 | £400.00 | £1,500.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five
Help to Buy 5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.69% | 5.24% | 4.0% APRC | 75% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one, 4% in year two, 3% in year three, 2% in year four, 1% in year five
2 Year Fixed Rate Buy to Let Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.69% | 5.89% | 5.5% APRC | 75% | £199.00 | £800.00 | £800.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Shared Ownership 2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.74% | 5.24% | 5.0% APRC | 90% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
| 3.49% | 5.24% | 5.1% APRC | 95% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
Low Deposit 2 Year Discounted Variable Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.79% | 5.24% | 5.0% APRC | 95% | £199.00 | £150.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.79% | 5.24% | 4.1% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
| 2.99% | 5.24% | 4.5% APRC | 90% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five
Shared Ownership 2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.94% | 5.24% | 5.0% APRC | 90% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
| 3.59% | 5.24% | 5.1% APRC | 95% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Low Deposit 2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.99% | 5.24% | 5.0% APRC | 95% | £199.00 | £150.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Self Employed 2 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.99% | 5.24% | 5.0% APRC | 80% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
3 Year Fixed Rate Buy to Let Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.99% | 5.89% | 5.1% APRC | 75% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two; 1% in year three
Expat Buy to Let 2 Year Discounted Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.99% | 5.89% | 5.5% APRC | 75% | £499.00 | £800.00 | £800.00 | £1,500.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
5 Year Fixed Rate Buy to Let Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.09% | 5.89% | 4.7% APRC | 75% | £199.00 | £800.00 | £800.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five
Self Employed 2 Year Discount Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.19% | 5.24% | 4.9% APRC | 80% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Low Deposit 5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.49% | 5.24% | 4.8% APRC | 95% | £199.00 | £150.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five
Shared Ownership 5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.49% | 5.24% | 4.8% APRC | 90% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
| 3.99% | 5.24% | 4.9% APRC | 95% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two, 3% in year three, 2% in year four, 1% in year five
Expat Buy to Let 5 Year Fixed Rate Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.49% | 5.89% | 5.0% APRC | 75% | £499.00 | £800.00 | £800.00 | £1,500.00 | Early Repayment Charges Apply | details |
Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five
Cambridge Variable Mortgage
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 5.24% | 5.24% | 5.4% APRC | 80% | £199.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
| 5.24% | 5.24% | 5.4% APRC | 90% | £199.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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