Shared Ownership mortgages 

We can help  with your shared ownership mortgage applications. 

Shared Ownership could be the key to owning your first home.

The Shared Ownership scheme is a cross between buying and renting and allows the purchaser to buy a share in a property usually between 25% - 75% of the purchase price, and then pay rent on the remaining share. Also, you only need to pay a deposit on the part of the property you are buying, making it an affordable option to purchase a home with a lower deposit than if buying outright.

Our video explains what Shared Ownership is and how it could help you onto the property ladder.

  • We guarantee you will always be able to speak to a person, not a computer and offer a free, no obligation meeting to discuss your needs
  • We will consider your previous and current circumstances  
  • Our qualified mortgage advisers are available from Monday to Saturday and can also arrange telephone appointments to suit your commitments

Please note: Shared Ownership Mortgages are subject to the Society's lending criteria. Newbury Building Society's minimum age requirement is 21 and for UK residents only.

We originally took our first mortgage out with Newbury as we bought a shared ownership property and only a few lenders provided this. When it came to renewal we decided to do an interim staircase to buy a larger percentage of our property and Newbury were amazing. We tried various brokers who told us we could only afford a lower amount, but decided to go direct to Newbury as our current provider. Their help and support through the whole process has been great! Unless something drastically changes, we will stay with them for many years to come!

Smart Money People review 2022

For further information on mortgage appointments see our making a mortgage appointment page for further details. 

Appointments can be made during branch operating hours including Saturday mornings with our qualified mortgage advisers and can be undertaken by telephone, videocall or in one of our branches. 

Book a mortgage appointment online now

Appointments are available by video call, phone and in branch.

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Own Your Home

The government website Own Your Home has full details about the Shared Ownership scheme.

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Shared Ownership mortgages

Product Initial rate APRC Mortgage fees Max LTV Features
Existing Borrower Shared Ownership 3 year discount 90% LTV 2.49%discounted 3.7% £0 None None None 90%
Shared Ownership 3 year discount 95% LTV 2.64%discounted 3.8% £0 None None None 95%
Shared Ownership fixed rate until 29 July 2025 95% LTV 3.69%fixed 4.1% £0 None None None 95%
Shared Ownership fixed rate until 29 July 2027 95% LTV 3.89%fixed 4.1% £0 None None None 95%
Shared Ownership fixed rate until 29 September 2024 95% LTV 3.69%fixed 4.1% £0 None None None 95%

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