Product Finder

Shared ownership mortgages

Our shared ownership rates could allow your client to purchase on a part-rent/part-buy basis.

  • Registered housing association must permit 100% staircasing
  • Please instruct our panel of solicitors
    • Up to 100% maximum share value
    • Up to 75% LTV
    • Minimum client share 25% of property value
    • Max client share 75% of property value
    • Repayment options only
    • Loans up to £1m
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
90% 75% Fixed 2 3.89% £399

Yes

01428 KSHO1901
90% 75% Fixed 5 4.29% £399

Yes

01431 KSHO19F5
95% 75% Fixed 2 3.99% £399

Yes

01429 KSHO1901
95% 75% Fixed 5 4.39% £399

Yes

01432 KSHO19F5
100% 75% Fixed 2 4.19% £399

Yes

01430 KSHO1901
100% 75% Fixed 5 4.59% £399

Yes

01433 KSHO19F5
MSV LTV Type Rate Term Product fee ERC Product code
90% 75% Fixed 3.89% 2 £399

Yes

01428 KSHO1901
90% 75% Fixed 4.29% 5 £399

Yes

01431 KSHO19F5
95% 75% Fixed 3.99% 2 £399

Yes

01429 KSHO1901
95% 75% Fixed 4.39% 5 £399

Yes

01432 KSHO19F5
100% 75% Fixed 4.19% 2 £399

Yes

01430 KSHO1901
100% 75% Fixed 4.59% 5 £399

Yes

01433 KSHO19F5

Terms and Conditions

All mortgage products are subject to availability of funds and can be withdrawn at any time.

ERCs may be incurred for full redemption or repayment of capital.

LTV quoted above relates to the share purchased LTV not full value.

These products are only available on a repayment basis.

At the end of any initial deal, the interest rate will revert to the shared ownership standard variable rate. The standard variable rate can vary in line with the general level of interest rates and economic conditions.

If your client makes any lump sum payments or repays the loan within a special deal period, an early repayment charge may be payable. Please refer to the early repayment charge section of the table for details. Payments up to a maximum of £499 per month can be made without incurring an early repayment charge.

Interest is added to the mortgage account for the period from the date the loan is made until the last day of that month. Thereafter, interest is charged monthly on the balance outstanding at the end of the last month. Payments in excess of the required monthly payment will have the effect of reducing the balance outstanding and the amount of interest to be paid.

These mortgage products are portable. Even if your client moves home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of their existing mortgage) of that special deal can be transferred to their new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that your client borrows.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages

Download the full mortgage terms and conditions.

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

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