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There are lots of reasons why you might need a little help when buying a home and that’s where Co-Ownership come in.
With Co-Ownership you can choose your home, buy as much of it as you can afford, (between 50% and 90%) and co-ownership help you with the rest.
You pay the mortgage on your bit and pay co-ownership rent on their bit.
When you’re able to, you can increase your share in your home bit-by-bit until you own it all.
Find out more about Co-Ownership here- https://www.co-ownership.org/ or speak to one of our expert Advisers.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Step 01
You can apply online at co-ownership.org and they’ll assess your financial circumstance, including your credit file, to find out how much you can afford and to get an approval in principle.
Step 02
We can issue you an agreement in principle for your mortgage and get the process underway. Your adviser will be with you every step of the way.
Step 03
Once you have found a home, within co-ownership and your affordability criteria, upload the details to your co-ownership application, if everything passes co-ownership will issue you with an offer.
Step 04
Meet your adviser again to submit your mortgage application, they will search the market and make a recommendation on the best mortgage for you based on their expert knowledge.
Step 05
Once you get your mortgage offer your solicitors will complete their bit and make sure all the paperwork is in order.
Step 06
Complete on your mortgage. We will guide you through completion day to ensure your lender, Co-ownership, solicitors and vendors are all aligned to give you a seamless completion day.
HOW MANY PEOPLE ARE APPLYING?
Applicant 1
This means with the minimum required deposit of 10% you may be able to buy a house up to £0.00.
This is based on income multiples only and may be affected by your outgoings.
Use our quote tool to find out what monthly repayments may be or book an appointment so we can check exactly how much you can borrow and your eligibility for a mortgage with top mortgage lenders.
This means with the minimum required deposit of 10% you may be able to buy a house up to £0.00.
By answering a few more questions, we can check exactly how much you can borrow (and also check your eligibility for a mortgage) with top mortgage lenders.
These results are for a repayment mortgage and are only intended as a guide based on income multiples, not taking into account your specific circumstances. The amount you can borrow may be more or less than this. Please make sure you obtain accurate figures from a member of our team before committing to any mortgage
Your home may be repossessed if you do not keep up repayments on your mortgage
Your credit rating can affect your ability to get a mortgage. Have a read to find out how you can check or improve yours.
Get StartedWe believe using a mortgage broker is more beneficial than going directly to a lender. Purchasing a house is likely to be one of your biggest, long term financial commitments so it’s important to get it right.
Get StartedWith increasing pressures on the NHS you may have seen a lot written about Private Medical Insurance (PMI) in the press, read more here.
Get StartedLife Insurance (sometimes known as Life Assurance) helps provide financial security for people who depend on you, should you die.
Get StartedBuilding insurance is a legal requirement to most mortgages, we can help you get this in place.
Get StartedDon’t just take our word for it, see what our customers have to say.
Luke Totten & Rachel Totten were exemplary in their approach to sourcing us a new mortgage. through items out of their control our re-mortgaging hit a few snags however neither Rachel nor Luke were fazed. through their vast knowledge and expertise a better deal was sourced and we completed the re-mortgage in a matter of days. I'll happily recommend them to anyone that listens
We cannot recommend Mortgage IQ enough. Excellent service from start to finish. Joanne was amazing in all her advice, knowledge, organisation and support throughout our house purchase. Victoria was so efficient when dealing with any queries. Nothing was a bother to either of them and the time from our first contact to a mortgage offer was highly efficient. First class service in all areas! Thank you both so much for taking the stress out of this process for us!
The reviews shown above have been gathered and displayed directly through third party review listings and have not been verified by SJP.
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