Shared Ownership
A Smarter Way to Get Started
Shared Ownership is a government-backed scheme designed to make homeownership more accessible. It allows you to buy a share of a property—usually between 10% and 75%—and pay rent on the remaining portion. Over time, you may be able to purchase more shares in your home, known as ‘staircasing’.
At Wellington Financial Services, we understand that Shared Ownership can seem complex. That’s why we’re here to guide you through every stage of the journey—offering straightforward advice that’s tailored to your circumstances.
Why Consider Shared Ownership?
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Start with a smaller deposit, making it easier to step onto the property ladder
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Pay a reduced monthly amount by combining mortgage and rent
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Option to increase your ownership over time at a pace that suits you
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Access new-build or resale properties across Berkshire, Hampshire and Surrey
We'll ensure you have a clear understanding of all associated costs—such as rent, service charges and maintenance—so you can move forward with confidence.
How We Support You
Personalised advice based on your goals and eligibility
Help sourcing a mortgage that suits your Shared Ownership share
Clear explanations of scheme criteria and how it work
Dedicated support from application through to completion
Ready to Explore Shared Ownership?
Ready to talk mortgages?
Book a free, no-obligation appointment with one of our advisers today.
Important Information
Shared Ownership involves paying both a mortgage and rent. Eligibility criteria apply, and there may be limitations on increasing your share in the property. Rent and service charges may increase over time and can affect affordability.
Your home may be repossessed if you do not keep up repayments on your mortgage or rent.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.