Shared Ownership is a government-backed scheme that helps first-time buyers get onto the property ladder by purchasing a share of a home — typically between 25% and 75% — while paying rent on the remaining portion. It’s an affordable way to buy in stages, making shared ownership mortgages Liverpool an ideal solution for those looking to reduce the upfront costs of buying a property outright.
In Liverpool and across Merseyside, shared ownership schemes Liverpool are helping more people secure a home without the need for a large deposit. With a part buy part rent Liverpool arrangement, you purchase an initial share of the property using a shared ownership mortgage, then pay a reduced rent on the remaining share to a housing association.
Over time, you can increase your ownership percentage through a process called staircasing, making affordable home ownership Liverpool more achievable.
At LTC Mortgages, we help buyers across Liverpool secure shared ownership mortgages Liverpool with clear, step-by-step guidance from start to finish. Our experienced advisers explain how shared ownership schemes Liverpool work — including eligibility, staircasing, and affordability — while matching you with the most suitable lenders for your goals. With expert shared ownership mortgage advice Liverpool, we make the process simple, transparent, and tailored to your individual needs, helping you take confident steps toward affordable home ownership Liverpool.
With two decades’ experience in financial services, our local Liverpool mortgage broker, Liam Coker, will guide you every step of the way, sourcing and securing the best solutions tailored to you.
Click here to book your free consultation today.
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Here at LTC Mortgages, our friendly local Liverpool mortgage advisors provide complete, end-to-end support for shared ownership mortgages Liverpool — guiding you through every stage of the buying process. From checking eligibility and managing paperwork to securing the right lender and mortgage deal, our advisers make shared ownership schemes Liverpool simple to understand and stress-free to arrange. We’ll help you find a solution that fits your needs, budget, and long-term home ownership goals.
Want more easy-to-digest info? Check out our Guides section for handy tips, advice, step-by-step guides and FAQs.
As local Liverpool mortgage advisors, you'll benefit from our detailed knowledge of Liverpool’s affordable housing market, shared ownership schemes Liverpool, and new development opportunities across Merseyside. Our local insight helps you find the right home and mortgage to suit your circumstances.
Our mortgage advisers specialise in shared ownership mortgages Liverpool, guiding first-time buyers through every step — from eligibility and affordability checks to staircasing and lender requirements. We simplify the process with clear, personal advice designed around your goals.
We compare shared ownership mortgage options from a wide range of lenders who support part buy part rent Liverpool and affordable home ownership Liverpool buyers. As independent Liverpool mortgage brokers with access to the full market, we’ll secure a tailored deal that fits your budget and long-term plans.
We’ve got answers for frequently asked questions
Shared Ownership lets you buy a portion of a property (usually 25%–75%) and pay rent on the remaining share, making homeownership more affordable.
It’s typically available to first-time buyers, those who used to own a home but can’t afford to buy now, or people earning under a certain income threshold.
Yes. This process is called staircasing, where you gradually buy more shares of the property over time—up to full ownership.
Yes, but it’s usually smaller than for a full mortgage, as it’s based only on the share you’re purchasing—not the total property value.
You’ll pay mortgage, rent, and service charges. We’ll help you understand all costs upfront so you can budget accurately.
1A Honey's Green Lane, West Derby
Liverpool L12 9EN
0151 662 0188
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LTC Mortgages is a trading name of LTC Mortgages (NW) Limited company number 12564758 is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial services in the UK and you can check our authorisation and permitted activities on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems-reporting/register. Our Financial Services Register number is 929476.
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