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.
Great first experience. I chose Newbury for my first ever mortgage for a shared ownership property. They were very professional, polite, great communication, helpful and also act promptly. I am very pleased with the great service and happy to be with Newbury. When I moved into my new house, they event sent me a surprise hamper! Thank you very much Newbury!
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.
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.
Appointments are available by video call, phone and in branch.Book now
At 53, it is daunting to enter into your 1st mortgage. It has been a stress free process, and I have already recommended Newbury in a Shared Ownership group on social media. Thank you for making my dream come true x
The government website Own Your Home has full details about the Shared Ownership scheme.Visit site
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|Product||Initial rate||APRC||Mortgage fees||Max LTV||Features|
|Existing Borrower Shared Ownership 3 year discount 95% LTV||5.24%discounted||6.6%||£0 None None None||95%|
|Existing Borrower Shared Ownership fixed rate until 29 November 2026 85% LTV||5.79%fixed||6.8%||£0 None None None||85%|
|Existing Borrower Shared Ownership fixed rate until 29 November 2026 95% LTV||5.89%fixed||7.0%||£0 None None None||95%|
|Existing Borrower Transfer Shared Ownership 3 year discount 75% LTV||6.00%discounted||6.9%||£0 None None None||75%|
|Shared Ownership 3 year discount 95% LTV||5.44%discounted||6.8%||£0 None None None||95%|
|Shared Ownership fixed rate until 29 January 2026 85% LTV||6.14%fixed||7.0%||£0 None None None||85%|
|Shared Ownership fixed rate until 29 January 2026 95% LTV||6.24%fixed||7.1%||£0 None None None||95%|
|Shared Ownership fixed rate until 29 November 2026 85% LTV||5.89%fixed||7.0%||£0 None None None||85%|
|Shared Ownership fixed rate until 29 November 2026 95% LTV||5.99%fixed||7.0%||£0 None None None||95%|
|Shared Ownership fixed rate until 29 November 2028 95% LTV||5.89%fixed||6.8%||£0 None None None||95%|
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