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Shared Ownership Mortgages
Trying to buy your first home can feel overwhelming, especially when rising house prices make saving for a big deposit seem impossible. It might feel like you’re stuck renting forever, watching your dream of home ownership slip further away with every passing year, while you continue to
spend thousands on rent that isn’t building your future.
So why does this happen? Well, for many first-time buyers, the biggest barrier is the upfront cost. A standard mortgage requires a significant deposit, and with house prices where they are, that can take years of saving—years where prices might rise even further. And even when you’re ready to apply, the process can feel like a minefield, with lenders asking for endless paperwork, imposing strict requirements, and using confusing financial jargon that leaves you unsure where to turn.
That’s why shared ownership could be the perfect solution for you.
At Liberty Money, we believe getting on the property ladder shouldn’t feel like an impossible dream. With shared ownership, you can buy a minimum of 10% of a property and pay rent on the rest, which means you don’t need a massive deposit to take your first step toward home ownership. Better still, you’ll have the option to staircase—buying more of the property over time until you own it outright.
We’ve partnered with lenders who specialize in shared ownership mortgages and understand the unique needs of first-time buyers. These lenders offer high loan-to-value options (up to 95% LTV) and provide fast decisions—often within just one hour of receiving your paperwork—so you
can move forward with confidence.
To get started, fill in our short enquiry form or give us a call on 01275 244360. You’ll get some free advice without any obligation to proceed, and getting a quote from us won’t affect your credit score.
GET STARTEDGet Approved Today
Fill in your details below and one of our expert mortgage advisers will call you back to let you know which mortgage deals you qualify for
Getting a mortgage quote from us will not affect your credit score.
or call us: 01275 244360
Why Choose Us?
Because we specialise in shared ownership mortgages and have direct relationships with the underwriters who make the decisions, we can offer you all sorts of benefits you won’t find on the High Street or through many other brokers.
Fast Decisions
Nobody likes uncertainty, especially when it comes to something as life-changing as buying a home. That’s why we work with lenders who can provide a decision in principle within just one hour of receiving your paperwork.
This means you can move forward with confidence, knowing exactly where you stand and saving time compared to traditional lenders.
Whole of Market Advisers
Our team of expert advisers has access to the entire mortgage market, not just a handful of lenders. This means we can find the best deal for your specific needs and increase your chances of being approved for the size of mortgage you need.
With our help, you’ll avoid the hassle of searching yourself and get advice tailored to your situation.
Staircasing Options
With Liberty Money, you’ll have access to lenders who offer flexible staircasing options, allowing you to gradually purchase additional shares in your home over time. This means you can reduce the rent you pay and work toward full ownership at your own pace.
Our advisers will guide you through this process, making it easy to understand your options and plan for the future.
Small Deposits
One of the biggest barriers to home ownership is saving for a large deposit. That’s why we work with lenders who specialise in high loan-to-value shared ownership mortgages, with options to borrow up to 95% of the property value.
This means you can get started with a much smaller deposit, making it easier and faster to take your first step onto the property ladder. Our team will ensure you find the right deal to fit your budget and goals.
What Our Customers Say
I was referred to Liberty Money after Halifax could not renew my mortgage because of my age we had also been let down at the last moment by another company because our property was unusual, Jenna took control immediately & researched the market for a company who could see beyond the usual properties. We are rural, isolated, on an unmade track & using borehole water. She confirmed that these factors would be acceptable. We wanted a Retirement Interest Only mortgage which required assessment of pension provisions & especially that of my wife, & the lender showed imagination in accepting her in the event of my demise. With interest rates rocketing & the end date looming it was all very stressful & Jenna's reassurance & hard work off & on duty carried us through, thank you all for a successful outcome. I would gladly recommend to anyone seeking a mortgage.
Dr Piers & Polly BE
Very happy to give 10 out of 10 to Liberty Money and the advisor Charlotte I dealt with for our mortgage application. Efficient, friendly nothing too much trouble. Charlotte visited my home/office in Dorset to certify documents. I own a number of other properties both personally and via a limited company. Definitely intend to get in touch with Charlotte when some of these come up for remortgage end of this year
Tim W
Friendly, fast and efficient, with outstanding service throughout the entire process. Really happy and would recommend to anyone.
John A
Great Service, Friendly, Quick & Reliable. Always called me back and answered even my most silly of questions. Will definitely recommend - Very Happy Indeed! 10 out of 10!
Nick PGet a Mortgage Without the Hassle
1
Get In Touch
Fill out the form and one of our brokers will call you back.
2
We'll Find Your Perfect Mortgage
Right after we take a few details, we will start your mortgage search.
3
We’ll Do Everything
We’ll help you choose the right product and then handle the application for you.
4
… until your mortgage is approved!
We’ll increase your chances of being accepted and help you each step of the way.
Get a Mortgage Even If You’ve Got Credit Problems
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Shared Ownership experts
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Choice of 105 lenders
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Decision in 1 hour
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Credit problems accepted
Get Approved Today
Fill in your details below and one of our expert mortgage advisers will call you back to let you know which mortgage deals you qualify for
Getting a mortgage quote from us will not affect your credit score.
or call us: 01275 244360
Get Approved Today
Fill in your details below and one of our expert mortgage advisers will call you back to let you know which mortgage deals you qualify for
Getting a mortgage quote from us will not affect your credit score.
or call us: 01275 244360
