Shared Ownership Mortgage Advice

Shared Ownership can be a brilliant way to get on the property ladder if you're not quite able to afford a home on the open market.

At Grandi Mortgage Solutions, we specialise in helping clients understand and secure Shared Ownership mortgages across Chinnor, Aylesbury, Thame, Princes Risborough and the surrounding areas.

Whether you’re a first time buyer or looking to purchase a bigger share of your home, we’re here to guide you every step of the way.

What is Shared Ownership?

Shared Ownership allows you to buy a share of a property (usually between 25% and 75%) and pay rent on the remainder. You’ll need a smaller deposit and mortgage than buying outright, making it more affordable.

Over time, you can buy more shares through a process called “staircasing” until you own the property outright (if you choose to).

How We Help

• Explain how the scheme works in plain English
• Help you calculate how much you can afford to borrow and what your monthly costs would be
• Work with housing associations and estate agents to make the process as smooth as possible
• Recommend the most suitable lenders for Shared Ownership schemes

Local Partnerships That Make a Difference

We regularly work with Fairhive Homes (formerly Vale of Aylesbury Housing) and are proud to support Shared Ownership buyers on their developments.

We’re also the preferred mortgage advisers for Hillyards Estate Agents in Aylesbury, who often market Shared Ownership properties in the area.

This means we’re well-placed to:

• Understand the specific requirements of each housing provider
• Liaise with your estate agent and housing officer to keep things moving
• Help you meet deadlines and paperwork requirements for a successful application

Who Is Shared Ownership For?

You may be eligible if:

• Your household income is under £80,000 (or £90,000 in London)
• You’re a first time buyer or can’t afford to buy outright
• You’re currently renting a housing association or council property
• You meet the criteria set by the local authority or housing provider

If you’re unsure, we’ll help you check your eligibility and walk you through the process.

Let’s Take the Next Step

We offer a free initial consultation to explain the Shared Ownership process and help you understand what you could afford.

Book Your Free Consultation

Your home may be repossessed if you do not keep up repayments on your mortgage.