My Plan/Fitness Centre
Training Session · Intermediate · 9 min+45 Mortgage Fitness Unlocks: Shared Ownership Aware badge

Shared Ownership Explained

Buying 100% of a home isn't the only route onto the ladder. Build your own share, run the staircasing calculator, and weigh the real trade-offs before you decide whether this route is worth exploring.

Welcome

A part-share can be a whole first step

Shared Ownership has helped thousands of people take their first step onto the property ladder. You buy a share of a property and pay rent on the rest. Over time you can increase your share — a process known as Staircasing — until you own the property outright.

How buying a share works

Model staircasing to 100%

Weigh the real trade-offs

Getting Your Mortgage Ltd

Financial Fitness for Home Ownership

Working out your way home.

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Company details: Getting Your Mortgage Ltd. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. ICO registration: ZC177396.

Regulatory status: GYM provides Mortgage Fitness guidance only and is not itself authorised by the Financial Conduct Authority to give regulated mortgage advice. Any regulated mortgage advice is provided by FCA-authorised advisers we introduce you to, after a full fact-find. The Mortgage Fitness Score is for guidance only and is not a mortgage offer, decision in principle or guarantee of approval.

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

Think carefully before securing other debts against your home. Buy-to-let mortgages and some forms of commercial or overseas lending are not regulated by the Financial Conduct Authority.

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Shared Ownership Explained · 9 min · +45 XP