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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.
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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. 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 England and Wales 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, book an appointment online or call our team today 0345 601 3344.
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 |
||
1.74% | 5.29% | 4.8% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% in year one; 1% in year two.
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 |
||
2.04% | 5.29% | 4.8% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
Interest Only 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 |
||
2.04% | 5.29% | 4.9% APRC | 70% | £0.00 | £0.00 | £0.00 | £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 |
||
2.49% | 5.29% | 4.9% 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
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% | 5.29% | 5.0% 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.
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 |
||
2.54% | 5.29% | 5.0% APRC | 75% | £199.00 | £150.00 | £150.00 | £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 |
||
2.64% | 5.29% | 4.3% APRC | 80% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
2.99% | 5.29% | 4.4% 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.
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% | 5.29% | 4.3% APRC | 70% | £0.00 | £0.00 | £0.00 | £1,699.00 | 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% | 5.29% | 4.5% 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 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% | 5.29% | 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 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% | 5.29% | 5.0% APRC | 90% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
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 |
||
2.74% | 5.94% | 5.5% APRC | 80% | £0.00 | £0.00 | £0.00 | £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 |
||
2.89% | 5.29% | 5.0% APRC | 95% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges
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% | 5.94% | 4.9% 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; 1% in year three
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% | 5.94% | 4.8% APRC | 80% | £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 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% | 5.29% | 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
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 |
||
3.09% | 5.29% | 5.1% APRC | 90% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
3.59% | 5.29% | 5.1% APRC | 95% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two.
Self Employed 2 Year 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 |
||
3.24% | 5.29% | 5.1% 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 |
||
3.29% | 5.29% | 5.1% APRC | 95% | £0.00 | £150.00 | £150.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - There are no early repayment charges.
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 |
||
3.29% | 5.29% | 4.7% APRC | 90% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
3.89% | 5.29% | 4.9% APRC | 95% | £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.
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 |
||
3.49% | 5.29% | 5.1% 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.
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% | 5.29% | 5.2% APRC | 85% | £199.00 | £400.00 | £400.00 | £800.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
Expat 2 Year Discounted 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 |
||
3.64% | 5.94% | 5.7% APRC | 75% | £0.00 | £0.00 | £0.00 | £0.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% in year one; 1% in year two
Expat 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 |
||
3.64% | 5.94% | 5.8% APRC | 75% | £0.00 | £800.00 | £800.00 | £1,999.00 | Early Repayment Charges Apply | details |
Early repayment charges - 3% in year one; 2% in year two
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 |
||
3.69% | 5.29% | 4.9% 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.
Holiday Let 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 |
||
3.69% | 5.94% | 5.7% APRC | 75% | £0.00 | £800.00 | £800.00 | £999.00 | 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 |
||
3.74% | 5.94% | 5.7% APRC | 75% | £0.00 | £800.00 | £800.00 | £999.00 | Early Repayment Charges Apply | details |
Early repayment charges - 1% of the outstanding balance in year one; 1% of the outstanding balance in year two
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 |
||
3.79% | 5.94% | 5.1% APRC | 75% | £0.00 | £800.00 | £800.00 | £999.00 | 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 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 |
||
3.84% | 5.94% | 5.0% APRC | 75% | £0.00 | £800.00 | £800.00 | £1,999.00 | 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 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 |
||
3.99% | 5.29% | 5.1% APRC | 85% | £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 - 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 |
||
5.24% | 5.29% | 5.5% 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% | 5.29% | 5.5% 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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