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HTG Mortgages

HTG Mortgages

Shared Ownership Mortgages

Last Updated: August 2026

Featured in The Telegraph • Daily Mail • The Times • Sky News

Shared ownership means buying a share of a home, usually between 10% and 75%, and paying rent on the rest. We get a lot of enquiries about it, and most people want to understand how the scheme actually works before they think about the mortgage. We’re happy to talk you through the whole picture, the catches included, not just arrange the loan.

Mortgages arranged on shares from 10% to 75% of the property value.

Staircasing advice, so you know what buying a further share will cost, now and later.

Local knowledge of shared ownership developments and providers across Hampshire.

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As featured in…

Harry Goodliffe, director and FCA-authorised mortgage advisor at HTG Mortgages, at his desk

Meet your Advisor

Harry Goodliffe

  • FCA Authorised
  • Director & Mortgage Advisor

“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”

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The shared ownership mortgage process

1

Step 1

First Chat

Get in touch to talk through the scheme and how it fits your plans, along with what you’re looking to buy.

2

Step 2

Review

We explain how shares, rent and staircasing work and review your position, including your deposit and budget.

3

Step 3

Lender Match

We match you to a lender that offers shared ownership mortgages and suits your circumstances.

4

Step 4

Application

We handle your application through to offer, liaising with the lender and the housing association on your behalf.

About

Our approach.

Why choose HTG Mortgages?

Here’s how we help make sense of shared ownership before you commit:

We explain the whole scheme, not just the mortgage

Most of the questions we get about shared ownership are about how it works, not just the mortgage. We’re happy to talk through the full picture.

Straight talk on staircasing

We explain staircasing costs upfront, so you know what buying your next share is likely to cost, both now and later.

Local knowledge of Hampshire developments

We know which housing associations are building shared ownership homes across Winchester, Southampton and the wider county.

Honest about the downsides

Shared ownership isn’t right for everyone. We’ll tell you the catches as well as the benefits, so you can make a properly informed decision.

Speak to an expert

Shared ownership can feel like a lot to take in, from shares and rent to staircasing and service charges. We’re happy to talk you through the whole scheme in plain English, not just the mortgage, so you know exactly what you’re signing up for. Get in touch and we’ll talk you through what’s possible.

Get in touch

How HTG Mortgages Can Help

We work with lenders who understand shared ownership, and we’re happy to explain the scheme itself as well as the mortgage. We can help with:

  • Explaining how shares, rent and staircasing actually work
  • Matching you to a lender that offers shared ownership mortgages
  • Talking through the genuine pros and cons for your situation
  • Supporting you through to mortgage offer

Who shared ownership mortgages can help

This page is for you if:

  • You’re considering a shared ownership property and want to understand how it works
  • You already own a share and are thinking about staircasing
  • You want an honest view of the downsides before you commit
  • You’re looking at developments in Hampshire and want local knowledge

If you’re still weighing up whether shared ownership is right for you, that’s a completely normal place to start. Get in touch and we can talk it through before you commit to anything.

Why use HTG’s mortgage services?

Available 24/7, so we are always there to help when you need us

We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages

We provide unrivalled customer service, ensuring that you get the care you deserve

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Frequently Asked Questions

Have another question?

You buy a share of a property, typically between 10% and 75% under the current scheme, and take out a mortgage on that share. You pay rent to the housing association on the part you don’t own, plus a service charge. Over time you can buy further shares in a process called staircasing, gradually increasing what you own.

The rent is capped at up to 3% a year of the housing association’s share of the property’s value, though the actual rate can be lower depending on the provider and the specific lease. Rent typically increases annually in line with inflation, so it’s worth checking the exact terms of a property’s lease before you commit.

Staircasing is buying further shares in your home once you’ve moved in, in increments as low as 1% during the first 15 years on newer leases, or 5% minimum after that. Whether you can reach 100% ownership depends on the property: most shared ownership homes allow it, but some, including Older Persons Shared Ownership and certain rural or protected sites, cap the maximum share you can own.

You’ll need a RICS valuation to establish the current market value, since you buy further shares at today’s price, not what you originally paid, plus legal fees. As a rough guide, buying a further share can cost somewhere in the region of £800 to £2,500 in valuation and legal costs alone, on top of the share price itself, though this varies by property and provider.

It’s not right for everyone, and we’d rather you knew the catches upfront. Combined rent, mortgage and service charge can be tighter than expected, service charges aren’t capped the way rent is and can rise significantly, and staircasing later costs more if the property has gone up in value. Selling can also take longer, since the housing association typically has a nomination period of several weeks to find a buyer before you can market it yourself. Subletting is one of the tightest restrictions of all; I have covered exactly when you can and cannot in can you rent out a shared ownership property.

You can sell, but the process is different to selling a home you own outright. You need to notify the housing association, who usually get a nomination period, often between 4 and 12 weeks depending on the lease, to try to find a buyer before you can market the property independently.

Several providers are active across Hampshire, including Sovereign Network Group, VIVID, Aster Group and Abri, with developments in and around Winchester, Southampton, Eastleigh and the wider county. Availability changes regularly as developments complete and sell, so we’d always check what’s currently on offer as part of your application.

It’s aimed mainly at first-time buyers and people who don’t currently own a home, though some providers make exceptions for existing shared owners looking to move. Income caps and eligibility rules apply and vary by scheme, so it’s worth checking your circumstances against a specific property’s criteria before you get too attached to it.


Harry Goodliffe
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages  ·  FCA Authorised (1017945)
CeMAP Qualified  ·  Featured in National Press  ·  South England Prestige Awards 2026/27 winner

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