Shared Ownership and Help to Buy :  Equity Loan schemes

There’s more than one way to buy a house.

If you’re looking at more affordable options, then Shared Ownership or a Help to Buy : Equity Loan could be the right option for you.

Shared Ownership

Shared ownership schemes are provided through housing associations, where you buy between 25% and 75% of the value of the property and pay rent on the remainder. Through such a scheme you can buy part of a newly built home or an existing property.

You’ll probably need to take out a mortgage to pay for your share of the property’s purchase price.

Not everyone is eligible for a shared ownership scheme.

Equity Loans

Equity loan schemes give you a loan for part of the deposit on a property. You will still need to take out a mortgage on the remainder of the property price, but because the loan counts towards your deposit you may be able to take out a mortgage where you might otherwise struggle.

Legally through an equity loan scheme you own 100% of the property.

Often these schemes are offered by developers.  If you have not repaid the loan by the time you come to sell the property, usually the developer will be entitled to a share of the sale proceeds proportionate to the share of the purchase price they loaned when you purchased the property.

For more information, please contact your local Your Move branch

Terms & Conditions apply, for further information see 


Your initial mortgage appointment is without obligation. Embrace Financial Services normally charge a fee for their services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but the standard fee is £549. Complex cases usually attract a higher fee. Embrace Financial Services will discuss and agree the fee with you prior to submitting any mortgage application.