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Help to Buy - Shared Ownership

Borrow up to 95% of the value of your share in a property

Cashback options available

No fees payable upfront for application

Shared Ownership is an affordable home ownership scheme which could make it easier for you to get on the property ladder.

You buy a share in a home on a long lease from a housing association - initially between 25% and 75% - and make monthly mortgage payments on this share. This means you take a smaller mortgage, so the deposit required is lower.

You rent the rest of your home from the housing association and will usually pay below market rent. You also have the option to increase your share over time, at a price based on the value of the property at the time - so if property prices rise, you'll pay more for your share, if they fall, you'll pay less. In many cases you can increase your share up to the point where you own 100% of your home; this is known as staircasing.

If you own a share of your home through the Shared Ownership scheme and decide to sell your home, the housing association will have the right to buy it first. They also have the right to find a buyer for your home. If you own 100% of your home, you can sell it yourself.

To buy a home through a Shared Ownership scheme, you’ll need to contact the Help to Buy agent in your area. Take a look at the government site for further information, including eligibility criteria, whether the scheme is available in your area and details of agents in each area.

Our products

We have a range of Shared Ownership mortgages with a minimum 5% deposit required. These are only available in England and Wales to those eligible to take part in the scheme and who have the option to 'staircase' until they own 100% of their home. All applications are subject to housing association approval.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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2 Year Fixed Rate Mortgage Shared Ownership Low fee for Purchases

Initial rate payable	2.94% Fixed until 31/03/2022
Then changing to	3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to	4.99% our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is	4.6% APRC
Early Repayment Charges	2% until 31 March 2021, then 1% until 31 March 2022
Max LTV	95%
Mortgage fees	Application:£0 Completion:£495
Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2022 at 2.94% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £465.90 and 36 monthly payments of £526.41 and 294 monthly payments of £582.22 followed by a final payment of £288.26. The total amount payable would be £201,593.30 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

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2 Year Fixed Rate Mortgage Shared Ownership No Fee for Purchases

Initial rate payable	3.54% Fixed until 31/03/2022
Then changing to	3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to	4.99% our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is	4.7% APRC
Early Repayment Charges	2% until 31 March 2021, then 1% until 31 March 2022
Max LTV	95%
Mortgage fees	Application:£0 Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2022 at 3.54% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £499.85 and 36 monthly payments of £526.26 and 294 monthly payments of £582.04 followed by a final payment of £291.26. The total amount payable would be £202,352.78 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Show / hide

2 Year Fixed Rate Mortgage Shared Ownership No fee for Purchases

Initial rate payable	2.74% Fixed until 31/03/2022
Then changing to	3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to	4.99% our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is	4.5% APRC
Early Repayment Charges	2% until 31 March 2021, then 1% until 31 March 2022
Max LTV	90%
Mortgage fees	Application:£0 Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2022 at 2.74% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £452.16 and 36 monthly payments of £523.28 and 294 monthly payments of £578.76 followed by a final payment of £288.42. The total amount payable would be £200,133.78 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Show / hide

2 Year Fixed Rate Mortgage Shared Ownership Standard Fee for Purchases

Initial rate payable	2.03% Fixed until 31/03/2022
Then changing to	3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.
Changing to	4.99% our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is	4.5% APRC
Early Repayment Charges	2% until 31 March 2021, then 1% until 31 March 2022
Max LTV	90%
Mortgage fees	Application:£0 Completion:£995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2022 at 2.03% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £415.90 and 36 monthly payments of £525.11 and 294 monthly payments of £580.77 followed by a final payment of £293.08. The total amount payable would be £199,925.02 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Product name	Initial rate payable	Then changing to	Changing to	The overall cost for comparison is	Early Repayment Charges	Max LTV	Mortgage fees
2 Year Fixed Rate Mortgage Shared Ownership Low fee for Purchases	2.94% Fixed until 31/03/2022	3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.	4.99% our current RMVR a variable rate for the remainder of the term	4.6% APRC	2% until 31 March 2021, then 1% until 31 March 2022	95%	Application:£0 Completion:£495	Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2022 at 2.94% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £465.90 and 36 monthly payments of £526.41 and 294 monthly payments of £582.22 followed by a final payment of £288.26. The total amount payable would be £201,593.30 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Mortgage Shared Ownership No Fee for Purchases	3.54% Fixed until 31/03/2022	3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.	4.99% our current RMVR a variable rate for the remainder of the term	4.7% APRC	2% until 31 March 2021, then 1% until 31 March 2022	95%	Application:£0 Completion:£0	Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2022 at 3.54% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £499.85 and 36 monthly payments of £526.26 and 294 monthly payments of £582.04 followed by a final payment of £291.26. The total amount payable would be £202,352.78 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Mortgage Shared Ownership No fee for Purchases	2.74% Fixed until 31/03/2022	3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.	4.99% our current RMVR a variable rate for the remainder of the term	4.5% APRC	2% until 31 March 2021, then 1% until 31 March 2022	90%	Application:£0 Completion:£0	Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2022 at 2.74% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £452.16 and 36 monthly payments of £523.28 and 294 monthly payments of £578.76 followed by a final payment of £288.42. The total amount payable would be £200,133.78 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Mortgage Shared Ownership Standard Fee for Purchases	2.03% Fixed until 31/03/2022	3.99% (variable), our current RMVR of 4.99% discounted by 1.0%, until 5 years after your mortgage start date.	4.99% our current RMVR a variable rate for the remainder of the term	4.5% APRC	2% until 31 March 2021, then 1% until 31 March 2022	90%	Application:£0 Completion:£995	Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2022 at 2.03% and then 3.99% until 60 months from the date of completion followed by our RMVR, currently 4.99%. This mortgage would require 24 monthly payments of £415.90 and 36 monthly payments of £525.11 and 294 monthly payments of £580.77 followed by a final payment of £293.08. The total amount payable would be £199,925.02 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Show / hide

5 Year Fixed Rate Mortgage Shared Ownership Low Fee for Purchases

Initial rate payable	3.69% Fixed until 31/03/2025
Then changing to	Not Applicable
Changing to	4.99% our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is	4.7% APRC
Early Repayment Charges	5% until 31 March 2021, then 5% until 31 March 2022, then 4% until 31 March 2023, then 3% until 31 March 2024, then 2% until 31 March 2025
Max LTV	95%
Mortgage fees	Application:£0 Completion:£495
Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2025 at 3.69% and then our RMVR variable rate currently 4.99% for the remaining term would require 60 monthly payments of £511.39 and 294 monthly payments of £583.46 followed by a final payment of £294.20. The total amount payable would be £202,514.84 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Show / hide

5 Year Fixed Rate Mortgage Shared Ownership No Fee for Purchases

Initial rate payable	3.75% Fixed until 31/03/2025
Then changing to	Not Applicable
Changing to	4.99% our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is	4.6% APRC
Early Repayment Charges	5% until 31 March 2021, then 5% until 31 March 2022, then 4% until 31 March 2023, then 3% until 31 March 2024, then 2% until 31 March 2025
Max LTV	95%
Mortgage fees	Application:£0 Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2025 at 3.75% and then our RMVR variable rate currently 4.99% for the remaining term would require 60 monthly payments of £512.81 and 294 monthly payments of £581.44 followed by a final payment of £291.98. The total amount payable would be £202,003.94 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Show / hide

5 Year Fixed Rate Mortgage Shared Ownership No fee for Purchases

Initial rate payable	2.92% Fixed until 31/03/2025
Then changing to	Not Applicable
Changing to	4.99% our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is	4.3% APRC
Early Repayment Charges	5% until 31 March 2021, then 5% until 31 March 2022, then 4% until 31 March 2023, then 3% until 31 March 2024, then 2% until 31 March 2025
Max LTV	90%
Mortgage fees	Application:£0 Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2025 at 2.92% and then our RMVR variable rate currently 4.99% for the remaining term would require 60 monthly payments of £462.67 and 294 monthly payments of £572.97 followed by a final payment of £288.10. The total amount payable would be £196,501.48 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Show / hide

5 Year Fixed Rate Mortgage Shared Ownership No fee for Purchases and Remortgages (Includes Cashback)

Initial rate payable	3.39% Fixed until 31/03/2025
Then changing to	Not Applicable
Changing to	4.99% our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is	4.5% APRC
Early Repayment Charges	5% until 31 March 2021, then 5% until 31 March 2022, then 4% until 31 March 2023, then 3% until 31 March 2024, then 2% until 31 March 2025
Max LTV	90%
Mortgage fees	Application:£0 Completion:£0
Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2025 at 3.39% and then our RMVR variable rate currently 4.99% for the remaining term would require 60 monthly payments of £490.70 and 294 monthly payments of £577.86 followed by a final payment of £287.90. The total amount payable would be £199,620.74 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Show / hide

5 Year Fixed Rate Mortgage Shared Ownership Standard fee for Purchases

Initial rate payable	2.69% Fixed until 31/03/2025
Then changing to	Not Applicable
Changing to	4.99% our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is	4.3% APRC
Early Repayment Charges	5% until 31 March 2021, then 5% until 31 March 2022, then 4% until 31 March 2023, then 3% until 31 March 2024, then 2% until 31 March 2025
Max LTV	90%
Mortgage fees	Application:£0 Completion:£995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2025 at 2.69% and then our RMVR variable rate currently 4.99% for the remaining term would require 60 monthly payments of £453.39 and 294 monthly payments of £575.65 followed by a final payment of £286.72. The total amount payable would be £196,731.22 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Product name	Initial rate payable	Then changing to	Changing to	The overall cost for comparison is	Early Repayment Charges	Max LTV	Mortgage fees
5 Year Fixed Rate Mortgage Shared Ownership Low Fee for Purchases	3.69% Fixed until 31/03/2025	Not Applicable	4.99% our current RMVR a variable rate for the remainder of the term	4.7% APRC	5% until 31 March 2021, then 5% until 31 March 2022, then 4% until 31 March 2023, then 3% until 31 March 2024, then 2% until 31 March 2025	95%	Application:£0 Completion:£495	Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2025 at 3.69% and then our RMVR variable rate currently 4.99% for the remaining term would require 60 monthly payments of £511.39 and 294 monthly payments of £583.46 followed by a final payment of £294.20. The total amount payable would be £202,514.84 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage Shared Ownership No Fee for Purchases	3.75% Fixed until 31/03/2025	Not Applicable	4.99% our current RMVR a variable rate for the remainder of the term	4.6% APRC	5% until 31 March 2021, then 5% until 31 March 2022, then 4% until 31 March 2023, then 3% until 31 March 2024, then 2% until 31 March 2025	95%	Application:£0 Completion:£0	Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2025 at 3.75% and then our RMVR variable rate currently 4.99% for the remaining term would require 60 monthly payments of £512.81 and 294 monthly payments of £581.44 followed by a final payment of £291.98. The total amount payable would be £202,003.94 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage Shared Ownership No fee for Purchases	2.92% Fixed until 31/03/2025	Not Applicable	4.99% our current RMVR a variable rate for the remainder of the term	4.3% APRC	5% until 31 March 2021, then 5% until 31 March 2022, then 4% until 31 March 2023, then 3% until 31 March 2024, then 2% until 31 March 2025	90%	Application:£0 Completion:£0	Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2025 at 2.92% and then our RMVR variable rate currently 4.99% for the remaining term would require 60 monthly payments of £462.67 and 294 monthly payments of £572.97 followed by a final payment of £288.10. The total amount payable would be £196,501.48 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage Shared Ownership No fee for Purchases and Remortgages (Includes Cashback)	3.39% Fixed until 31/03/2025	Not Applicable	4.99% our current RMVR a variable rate for the remainder of the term	4.5% APRC	5% until 31 March 2021, then 5% until 31 March 2022, then 4% until 31 March 2023, then 3% until 31 March 2024, then 2% until 31 March 2025	90%	Application:£0 Completion:£0	Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2025 at 3.39% and then our RMVR variable rate currently 4.99% for the remaining term would require 60 monthly payments of £490.70 and 294 monthly payments of £577.86 followed by a final payment of £287.90. The total amount payable would be £199,620.74 made up of the loan amount plus interest, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage Shared Ownership Standard fee for Purchases	2.69% Fixed until 31/03/2025	Not Applicable	4.99% our current RMVR a variable rate for the remainder of the term	4.3% APRC	5% until 31 March 2021, then 5% until 31 March 2022, then 4% until 31 March 2023, then 3% until 31 March 2024, then 2% until 31 March 2025	90%	Application:£0 Completion:£995	Find out more
The APRC is calculated based on the following: A repayment mortgage of £110,000 payable over 29 years 7 months initially on a rate fixed until 31/03/2025 at 2.69% and then our RMVR variable rate currently 4.99% for the remaining term would require 60 monthly payments of £453.39 and 294 monthly payments of £575.65 followed by a final payment of £286.72. The total amount payable would be £196,731.22 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6. The interest rates quoted include a 0.25% Direct Debit discount.

Ready to apply?

For an affordability check, Decision in Principle or to talk to us about our mortgage products please call us on

0345 607 9825

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Our affordability calculator will give you an idea of how much you might be able to borrow.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Site intended for UK residents only. Skipton Building Society is a member of the Building Societies Association. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 153706, for accepting deposits, advising on and arranging mortgages and providing Restricted financial advice. Principal Office, The Bailey, Skipton, North Yorkshire, BD23 1DN.

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Help to Buy - Shared Ownership

Our products

2 Year Fixed Rate Mortgage Shared Ownership Low fee for Purchases

2 Year Fixed Rate Mortgage Shared Ownership No Fee for Purchases

2 Year Fixed Rate Mortgage Shared Ownership No fee for Purchases

2 Year Fixed Rate Mortgage Shared Ownership Standard Fee for Purchases

5 Year Fixed Rate Mortgage Shared Ownership Low Fee for Purchases

5 Year Fixed Rate Mortgage Shared Ownership No Fee for Purchases

5 Year Fixed Rate Mortgage Shared Ownership No fee for Purchases

5 Year Fixed Rate Mortgage Shared Ownership No fee for Purchases and Remortgages (Includes Cashback)

5 Year Fixed Rate Mortgage Shared Ownership Standard fee for Purchases

Ready to apply?

You might also be interested in...

First Time Buyers

Home Insurance

Affordability calculator

Best National Building Society