Buy a share of a home with private Shared Ownership
Make the unaffordable, affordable with a private Shared Ownership mortgage. These part buy, part rent schemes let you buy a share of a home, helping you get on the ladder sooner or for less. Not sure if private or government Shared Ownership is the right fit? Compare both routes.
Suitable for buyers & movers
Buy a share of a home
Borrow up to 10x your income
How does it work?
If you're struggling to save up a big enough deposit or get a large enough mortgage to buy a home, Shared Ownership could be the solution. Instead of getting a mortgage for the full property price you'll purchase a share of a home, significantly reducing the amount you need to get on the ladder.
Over time, you can staircase your way up to full ownership, buying more of the property each month, or in lump sums. Until then, you’ll pay rent on the part of the property you don’t own to a private landlord.
If your income is under £80,000 (£90,000 in London), you may also want to check whether the Government Shared Ownership scheme offers better terms for you.
Why Tembo?
We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.
Private Shared Ownership schemes
There are multiple lenders who specialise in Shared Ownership and part buy, part rent schemes. To see which ones you could be eligible for, create a free Tembo plan today in under 10 minutes.
Your Home
Avoid compromising on size, style or location by buying a share of a home, then pay rent on the rest. Over time, purchase more of the property or choose to sell your share. You'll benefit from any property gains on your share, plus 50% of the value increase on the share you didn't buy.
Wayhome
Buy a share of a home worth 10x your income with Wayhome's Gradual Homeownership scheme. Instead of having to afford the whole property, you will purchase a share of the property and pay rent on the rest. You can choose to buy more of the property each month or in lump sums when you're ready.
No deposit Rent to Own
An alternative to traditional renting, this Rent to Own scheme is a way to build up equity in a home without needing any deposit. Your monthly payments will be made up of your rent, plus an extra 1.5% which is put towards paying off the property. So you can build up property wealth in the home you live in while renting.
StrideUp
StrideUp's home purchase plan allows you to buy a share of a home, then each month you'll make one payment made up of rent and purchase payments. If you stay for the whole term, you'll end up owning your 80% share outright. You can also choose to buy StrideUp's 20% share off them later down the line to own the home fully.
Common shared ownership questions
See all FAQsFrequently asked questions
Learn more
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