Refreshed Shared Ownership rates this January

Lock in a great fixed rate for your Shared Ownership clients.

We have amended our Shared Ownership fixed rate products, available from 22 January 2026:

• 2-year fix to 90% LTS to 29 June 2028 at 4.45% 

• 2-year fix to 95% LTS  to 29 June 2028 at 4.55% 

• 3-year fix to 90% LTS to 29 April 2029 at 4.45% 

• 3-year fix to 95% LTS to 29 April 2029 at 4.65%

• 5-year fix to 95% LTS to 29 March 2031 at 4.59% 

Plus!

• As with all our Shared Ownership products, these products have no booking or arrangement fees and free valuations are available. 

• Our SVR, which remains one of the lowest in the market will be reducing to 6.00% - making our variable products better value.

Staircasing existing borrower cashback!

Did you know? We offer existing Newbury Building Society shared ownership mortgage customers £500 cashback to help with costs when they choose to staircase (terms and conditions apply). To qualify for the £500 cashback, the new loan must be for the purpose of staircasing on an existing Newbury Building Society Shared Ownership mortgage. The minimum loan amount to qualify for the £500 cashback is £40,000. 

Don’t forget:

• Our instant chat service is available, or you can book an appointment with one of our BDMs at a time to suit you using our online booking system.

• No credit scoring – all cases are assessed individually with tailored underwriting.

• A dedicated BDM happy to help you on an individual basis.

Contact us to discuss your client’s requirements today. Our Helpdesk is available 9.00am – 5.00pm, Monday to Friday and from 9.30am on a Wednesday.

Rates correct as at 22 January 2026.