Shared Ownership Mortgage Advice

If you're struggling to get on the property ladder, a shared ownership mortgage could be the solution. At Grandi Mortgage Solutions, we help first-time buyers and those with limited deposits explore part-buy, part-rent schemes that make home ownership more affordable.

Shared ownership mortgages allow you to buy a share of a property, usually between 25% and 75%, while paying rent on the remaining portion owned by a housing association or developer. It’s a popular option for buyers who may not be able to afford a property outright but want the stability of owning a home.

How do shared ownership mortgages work?

✅ Purchase a Share of the Property
You buy a percentage of the property based on what you can afford. The rest is owned by the housing association or developer.

✅ Pay Rent on the Remaining Share
You'll pay subsidised rent on the portion you don’t own, making monthly costs more manageable than buying outright.

✅ Staircasing: Increase Ownership Over Time
As your financial situation improves, you can purchase additional shares in the property — eventually owning 100% if you choose.

✅ Eligibility Criteria Apply
Shared ownership schemes are typically aimed at first-time buyers or those with lower household incomes. We’ll help you check if you qualify and walk you through the process.

Why consider shared ownership?

• Lower deposit and smaller mortgage
• Flexible route to full ownership over time
• Ideal for first-time buyers in Oxfordshire
• Access to new build homes in desirable developments