A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up payments on your mortgage.

Shared ownership schemes are a cross between buying and renting; aimed mainly at first-time buyers. You own a share and then rent the part you don’t own at a reduced rate. Read on to find out how they work and how to apply.

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Shared Ownership Mortgages

Ailes Mortgages have Solutions to All Credit Situations

Buying a home is the largest purchase you’re likely to make. Before you arrange your mortgage, make sure you know what you can afford to borrow. Get in touch with us to find out where to get a mortgage, the different types and how the process works.

Shared ownership housing schemes explained Shared ownership schemes are a cross between buying and renting; aimed mainly at first-time buyers. You own a share and then rent the part you don’t own at a reduced rate. Read on to find out how they work and how to apply.

Ailes Mortgage Solutions Ltd can assist arrange your mortgage taking into account all your credit problems in the past, from a missed credit card payment through to more serious issues such as bankruptcy.

How shared ownership works With shared ownership, you buy between a quarter and three-quarters of a property. You have the option to buy a bigger share in the property at a later date. These schemes are aimed at people who don’t earn enough to buy a home outright. Most of the homes available are newly built, but some are properties being re-sold by housing associations. All shared ownership homes in England are offered on a leasehold only basis. Each country runs their shared ownership scheme slightly differently.

We can Help with All Credit Situations

  • Low Credit Score

  • Missed Credit Card Payments

  • Defaults

  • CCJ’s

  • Debt Management

  • IVA

  • Bankruptcy

Property Purchase, All types of purchase including:

  • First Time Buyer up to 95% LTV

  • Next Time Mover up to 95% LTV

  • Right to Buy up to 100% of the price

  • Shared Ownership up to 95% of share

  • Help to Buy with only 5% deposit

Remortgages arranged for all types of reasons including:

  • Get a better rate

  • Repay debts and lower your payments

  • Pay off an ex-partner

  • Release cash for any purpose

Buy to Let Mortgages

  • Up to 85% LTV

  • Credit Problems accepted

  • Purchase or Remortgage

  • Available for First Time Buyer

  • Mortgage amount linked to rental income

Get in touch

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