The easy, manageable way to buy

Having a real stake in your home is a great feeling and shared ownership makes this a realistic option; one which tens of thousands of people across the country have already taken up.

Key features:

  • You buy and own a significant financial share in your home, rather than just renting with no return.
  • Your combined monthly mortgage and ‘rent’ - the fee we charge on the bit you haven’t bought - are considerably less than buying outright and often around the same as renting an equivalent home.
  • You don’t need a really big deposit, as it’s based on the share you’re buying, rather than the whole property value.
  • You can buy more shares at any time...until it’s all yours. (We call this ‘Staircasing up’).
  • Or, if you want to move on, you simply sell your share for its market value at the time.

The numbers

As a headline example:

  • Full market value = £175,000
  • 40% share = £70,000
  • 5% deposit required = £3,500
  • Monthly mortgage = £341*
  • Monthly fee = £241
  • Total monthly mortgage and fee = £582

* This example is based on a mortgage rate of 4.59% and a term of 30 years. Please note that rates & terms vary.

Front page image SO

Hands holding CKH keys