Shared Ownership - Newbury

Shared Ownership could be the key to owning your own home.

Shared Ownership is a mix of buying and renting. You buy a share of a home (usually between 25% and 75%) and pay rent on the rest.

You only need a deposit for the part you’re buying, which means a smaller deposit than if you're buying a whole property outright. We offer mortgages for up to 95% of the share you're buying through Shared Ownership.

Here’s what you can expect from us:

Speak to a real person – no automated systems. We offer free, no-obligation appointments to talk through your needs.
We listen – we’ll take your past and current circumstances into account when reviewing your application.
Flexible appointments - with options for phone, video, or in-branch meetings to suit your schedule.

Thinking about buying more of your home? We can help.

If you already have a Shared Ownership mortgage, you may be able to buy more shares in your home – this is called staircasing. You can do this using your savings or by borrowing more from your lender.

Our existing Shared Ownership customers could receive £500 cashback when staircasing with us (terms and conditions apply).

If you'd like to find out more, book an appointment with one of our advisers to explore your options.

All Shared Ownership mortgages are subject to our lending criteria and applicants must be UK residents aged 21 or over.

Shared Ownership mortgages

Product name:	Initial rate:	APRC:	Product fees:	Max LTV:
Shared Ownership fixed rate until 29 November 2028 View Shared Ownership fixed rate until 29 November 2028	4.45% fixed until 29 November 2028	5.9% APRC	£0 purchase £0 remortgage	85%
Shared Ownership fixed rate until 29 November 2028 View Shared Ownership fixed rate until 29 November 2028	4.65% fixed until 29 November 2028	5.9% APRC	£0 purchase £0 remortgage	95%
Shared Ownership fixed rate until 29 November 2030 View Shared Ownership fixed rate until 29 November 2030	4.65% fixed until 29 November 2030	5.7% APRC	£0 purchase £0 remortgage £0 Existing borrower transfer	95%
Shared Ownership fixed rate until 29 January 2028 View Shared Ownership fixed rate until 29 January 2028	4.65% fixed until 29 January 2028	6.1% APRC	£0 purchase £0 remortgage £0 Existing borrower transfer	85%
Shared Ownership fixed rate until 29 January 2028 View Shared Ownership fixed rate until 29 January 2028	4.69% fixed until 29 January 2028	6.1% APRC	£0 purchase £0 remortgage £0 Existing borrower transfer	95%
Shared Ownership 3 year discount View Shared Ownership 3 year discount	4.4% variable	5.9% APRC	£0 purchase £0 remortgage	95%
Existing Borrower Shared Ownership fixed rate until 29 November 2028 View Existing Borrower Shared Ownership fixed rate until 29 November 2028	4.55% fixed until 29 November 2028	5.9% APRC	£0 purchase £0 Existing borrower transfer	95%
Existing Borrower Shared Ownership 3 year discount View Existing Borrower Shared Ownership 3 year discount	4.3% variable	5.8% APRC	£0 purchase £0 Existing borrower transfer	95%
Existing Borrower Shared Ownership 3 year discount View Existing Borrower Shared Ownership 3 year discount	4.2% variable	5.8% APRC	£0 purchase £0 Existing borrower transfer	85%
Existing Borrower Shared Ownership fixed rate until 29 November 2028 View Existing Borrower Shared Ownership fixed rate until 29 November 2028	4.35% fixed until 29 November 2028	5.9% APRC	0 purchase 0 Existing borrower transfer	85%