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Shared Ownership
Shared Ownership schemes can help to make owning your own home that bit more affordable - we'll be here with a range of mortgages to help you along the journey.
Call the team today on 0345 601 3344.
Shared Ownership Mortgages with The Cambridge
Shared Ownership schemes are a way to help buying a home become a more affordable option. We offer a range of mortgages designed specifically for people buying through a Shared Ownership scheme which includes the option to borrow up to 95% of your share’s value. If you already have a Shared Ownership Mortgage but you’d like to switch to a new provider for a better deal or to enable you to staircase by borrowing more, we offer Shared Ownership remortgages too.
We offer Shared Ownership mortgages on properties located in Bedfordshire, Buckinghamshire, Cambridgeshire, Essex, Hertfordshire, Norfolk, Northamptonshire and Suffolk, with a minimum share of 25% ownership of the property, and a maximum of 75%. Arrangements must be through a registered Housing Association, and the property’s lease must contain a mortgage protection clause.
So what next?
- If you'd like to see what mortgages we may be able to offer for your Shared Ownership home, simply fill in your details below and you'll get a list of the products which may be suitable - 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 discuss your next Shared Ownership step, call the team today to book an appointment - 0345 601 3344.
Which mortgage is right for you?
Results
2 Year Discounted Variable Rate Mortgage - Existing Mortgage Customers
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 1.84% | 4.89% | 4.1% APRC | 80% | £0.00 | £0.00 | £400.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% in year one; 1% in year two
Help to Buy 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 |
||
| 2.14% | 4.89% | 4.5% 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 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% | 4.89% | 4.4% APRC | 80% | £199.00 | £0.00 | £0.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
Interest Only 2 Year Discounted Variable Rate Mortgage - Existing Mortgage Customers
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.19% | 4.89% | 4.3% APRC | 70% | £199.00 | £0.00 | £0.00 | £1,500.00 | 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% | 4.89% | 4.5% APRC | 80% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
| 3.39% | 4.89% | 4.8% 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% | 4.89% | 4.5% 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
2 Year Fixed Rate Mortgage - Existing Mortgage Customers
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.49% | 4.89% | 4.4% APRC | 80% | £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 Mortgage - Existing Mortgage Customers
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.49% | 4.89% | 4.5% APRC | 90% | £0.00 | £0.00 | £400.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
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 |
||
| 2.54% | 4.89% | 4.6% 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 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% | 5.54% | 5.1% APRC | 75% | £199.00 | £0.00 | £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% | 4.89% | 3.8% APRC | 80% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
| 3.49% | 4.89% | 4.4% 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% | 4.89% | 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% | 4.89% | 4.1% 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.
Interest Only 3 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% | 4.89% | 4.4% APRC | 70% | £199.00 | £0.00 | £0.00 | £1,500.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% in year one; 1% in year two; 1% in year three
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% | 4.89% | 4.0% APRC | 80% | £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.
Self Employed 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 |
||
| 2.84% | 4.89% | 4.7% APRC | 80% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
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 |
||
| 2.99% | 4.89% | 4.7% APRC | 90% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
| 3.49% | 4.89% | 4.7% APRC | 95% | £199.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
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 |
||
| 2.99% | 4.89% | 4.7% APRC | 90% | £199.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% in year one; 1% in year two
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 |
||
| 2.99% | 5.54% | 4.5% 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
3 Year Fixed Rate Buy to Let Mortgage - Existing Mortgage Customers
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 2.99% | 5.54% | 5.0% 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
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% | 4.89% | 4.7% 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
Holiday Let 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 |
||
| 3.39% | 5.54% | 5.3% APRC | 75% | £0.00 | £800.00 | £800.00 | £1,500.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% of the outstanding balance in year one; 1% of the outstanding balance in year two
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 |
||
| 3.49% | 4.89% | 4.9% APRC | 90% | £199.00 | £250.00 | £250.00 | £500.00 | Early Repayment Charges Apply | details |
| 3.99% | 4.89% | 4.9% APRC | 95% | £199.00 | £250.00 | £250.00 | £500.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two.
Credit Assist Mortgage 2 Year Fixed Rate
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.49% | 4.89% | 4.8% APRC | 75% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Credit Assist Mortgage 3 Year Discounted Variable Rate
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 3.59% | 4.89% | 4.7% APRC | 75% | £199.00 | £0.00 | £400.00 | £800.00 | 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 |
||
| 3.89% | 4.89% | 4.9% APRC | 95% | £199.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% in year one; 1% in year two
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 |
||
| 3.99% | 4.89% | 4.7% APRC | 90% | £199.00 | £250.00 | £250.00 | £500.00 | Early Repayment Charges Apply | details |
| 4.24% | 4.89% | 4.8% APRC | 95% | £199.00 | £250.00 | £250.00 | £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.
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 |
||
| 3.99% | 4.89% | 4.9% APRC | 95% | £199.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two.
Holiday 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 |
||
| 4.00% | 5.54% | 5.0% APRC | 75% | £0.00 | £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
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 |
||
| 4.09% | 4.89% | 4.7% APRC | 95% | £199.00 | £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.
Credit Assist Mortgage Extra - 3 Year Discounted Variable Rate
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 4.84% | 4.89% | 5.2% APRC | 70% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
Credit Assist Mortgage Extra - 2 Year Fixed Rate
| Initial rate |
Standard variable rate, currently |
Overall cost for comparison |
Max LTV |
Application fee |
Product switch fee |
Further advance fee |
Completion fee |
||
| 5.29% | 4.89% | 5.2% APRC | 70% | £199.00 | £0.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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