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 with your shared ownership home.

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All about shared ownership

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What is a shared ownership mortgage?

Shared ownership schemes make buying a home a more affordable option, by allowing you to buy a share of the property, rather than the whole of it.

Our range of shared ownership mortgages are designed for people buying a property through a Shared Ownership scheme, which includes the option to borrow up to 95% of your share.

We also offer shared ownership remortgages if you're looking to switch your existing shared ownership mortgage provider or to borrow more money to buy a bigger share of the property, known as 'staircasing'.

 

More about our shared ownership mortgages

Here are some other important things to know about our shared ownership mortgages:

1. We offer shared ownership mortgages on properties in England and Wales, with a minimum share of 25% and a maximum share of 75%.

2. The property purchase must be arranged through a registered Housing Association.

3. The shared ownership lease must contain a Mortgage Protection Clause (MPC), which protects The Cambridge's security and any losses in the unlikely event of repossession. It must cover the initial loan and all additional lending and staircasing up to 100%.

To find more details about our shared ownership mortgages and eligibility,  read our guide or call us on 0345 601 3344 to speak to the team.

 

So what next? 

If you'd like to see what shared ownership mortgages we could offer you, fill in your details below and look for the mortgages with shared ownership in the title.

To find out more about applying for a mortgage, check out our guides.

If you'd like to discuss your options or you're ready to apply for your shared ownership mortgage, book an appointment or call our team on 0345 601 3344.

 

 

Which mortgage is right for you?

Results

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
5.59%7.39%7.3% APRC90%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

2 Year Fixed Rate Mortgage - Existing mortgage customers - 80% LTV

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.44%7.39%7.2% APRC80%£0£0£400£0Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

5 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
5.54%7.39%6.8% APRC80%£0£0£400£0Early Repayment Charges Applydetails

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 Discounted Variable Rate Mortgage - No ERC

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
4.74%7.39%7.2% APRC80%£0£0£0£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

2 Year Discounted Variable Rate Mortgage (1)

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
4.99%7.39%7.2% APRC90%£0£0£0£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

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
5.79%7.39%7.3% APRC95%£0£0£0£499Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% 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
5.89%7.39%7.0% APRC95%£0£0£0£499Early Repayment Charges Applydetails

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 Discounted Variable Rate Mortgage - No ERCs

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.34%7.39%7.2% APRC95%£0£0£0£499Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

Shared Ownership 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
5.79%7.39%7.3% APRC95%£0£0£200£0Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

Shared Ownership 5 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
5.99%7.39%7.0% APRC95%£0£0£200£0Early Repayment Charges Applydetails

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 Discounted Variable Rate Mortgage - No ERCs

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.09%7.39%7.2% APRC95%£0£0£200£499Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

Interest Only 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
5.44%7.39%7.3% APRC70%£0£0£400£0Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

Interest Only 5 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
5.54%7.39%7.0% APRC70%£0£0£400£0Early Repayment Charges Applydetails

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 2 Year Discounted Rate Mortgage - NO ERC

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
4.74%7.39%7.3% APRC70%£0£0£0£1999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

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
5.74%7.39%7.4% APRC85%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% 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
5.34%7.39%7.1% APRC85%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges

Credit Assist 3 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
5.89%8.44%8.0% APRC80%£0££800£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges

Credit Assist 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
5.94%8.44%7.5% APRC80%£0£0£800£999Early Repayment Charges Applydetails

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 Extra 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
5.99%7.39%7.4% APRC70%£0££400£999Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

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
5.94%7.39%7.3% APRC70%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges

Help to Buy 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
5.94%7.39%7.3% APRC75%£0£0£200£0Early Repayment Charges Applydetails

Early repayment charges - 2% 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
4.84%7.39%7.1% APRC75%£0£0£0£299Early Repayment Charges Applydetails

Early repayment charges - 1% in year one; 1% in year two.

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
5.54%8.44%8.2% APRC80%£0£800£800£999Early Repayment Charges Applydetails

Early repayment charges - 2% in year one; 1% in year two.

5 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
5.64%8.44%7.3% APRC80%£0£800£800£800Early Repayment Charges Applydetails

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 Discounted Variable Rate Buy to Let Mortgage (No ERCs)

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.24%8.44%8.1% APRC80%£0£0£0£999Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

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
4.99%8.44%8.0% APRC80%£0£0£800£999Early Repayment Charges Applydetails

Early repayment charges - 1% in year one; 1% in year two.

Expat 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
5.14%8.44%8.1% APRC80%£0£0£800£999Early Repayment Charges Applydetails

Early repayment charges - 1% in year one; 1% in year two.

Retirement Interest Only Variable Rate Mortgage

RateStandard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.19%Not applicable5.4% APRC55%£0£0£0£500Early Repayment Charges Applydetails

Early repayment charges - There are no early repayment charges.

5 Year Fixed Rate Limited Company Buy to Let Mortgage - 80% LTV

Initial
rate		Standard variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.68%8.44%7.4% APRC80%£0£800£800£999Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Retirement Interest Only 5 Year Fixed Rate Mortgage

Initial
rate		RIO variable
rate, currently		Overall cost
for comparison		Max
LTV		Application
fee		Product switch
fee		Further advance
fee		Completion
fee
5.88%5.19%5.6% APRC55%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

First Step 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
5.99%7.39%7.0% APRC98%£0£0£0£499Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

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
5.69%7.39%6.9% APRC90%£0£0£400£999Early Repayment Charges Applydetails

Early repayment charges - 5% in year one; 4% in year two; 3% in year three; 2% in year four; 1% in year five.

Mortgage Guides

More guides for borrowers
for borrowersShared Ownership Mortgages - everything you need to know
for borrowersFirst Time Buyers – this guide is for you!
for borrowersBuying your home; step-by-step
More guides for borrowers

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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