Shared ownership mortgages

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illustration of Shared Ownership

What is shared ownership?

Shared ownership is an initiative that allows buyers to purchase shares in a property (which you’ll take out a mortgage on) and pay rent on the remaining percentage that you don’t own. 

It’s a cross between renting and buying a property. 

It helps people who can’t save up a big deposit to still get on the property ladder. For that reason, they’re perfect for first-time buyers. 

Because you start off by buying a small share in the property, you’ll need a smaller deposit than you would if you were getting a full mortgage without shared ownership. Over time, you’ll be able to purchase the remaining shares – a process known as staircasing – and can stop paying rent on the property. 

Not all lenders will help you if you want to get a shared ownership mortgage, because they’re not set up for the extra complexity. But we can help.

How does shared ownership work?

Can I buy the remaining percentage at a later date?

Who is eligible to buy a shared ownership property?

How much deposit do I need for a shared ownership property?

Can I get a shared ownership mortgage with bad credit?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.


Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Jemma Talliss

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Paul Clark

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Lynn Cutts

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Steve Hatton

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Jeanette Clark

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Carrie Knight

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Jonathan Hunting

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Complex situation? That’s all we do. Get connected to a specialist mortgage broker who can make a mortgage possible for you.

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