What Mortgage
No Result
View All Result
what MORTGAGE Awards
  • Login
  • Register
Add Listing
  • Home
  • News
  • First-Time Buyers
  • Buy-to-Let
  • Homeowner’s Hub
  • Equity Release
  • wM Awards
No Result
View All Result
What Mortgage
No Result
View All Result

Shared Ownership: Your questions answered

October 21, 2019
Kate Sainesby Kate Saines
Struggling to afford a home? Shared ownership could be the solution

Related Posts

Base rate raised to 5.25%: Blow for borrowers

Base rate raised to 5.25%: Blow for borrowers

by Anand Chauhan
August 3, 2023
0

...

Cost-of-living crisis: One in six over-50s forced to cash in on homes

Cost-of-living crisis: One in six over-50s forced to cash in on homes

by admin1
January 24, 2023
0

...

Over 60,000 homes bought using Help to Buy Equity loans since launch

The end of Help to Buy: Alternatives for first-time buyers

by admin1
January 9, 2023
0

...

Shared Ownership Week took place in September and saw a combination of housing associations, developers and mortgage lenders collaborate to help boost awareness of the scheme by showing first-time buyers how it can help them to get onto the property ladder.

Although there has been a recent flurry of publicity, Shared Ownership has actually been around since the late 1970s and its popularity is back on the rise.

According a report by Social Housing, at the end of 2018 tax year, there were 181,057 Shared Ownership owners in the UK, with over 10,000 new buyers coming into the market in that year alone.

Government plans could mean this will rise by 70% over the next five years – that’s a lot of new Shared Ownership properties becoming available.

Greg Cunnington
Greg Cunnington

However, many people still have questions about exactly what Shared Ownership is – how does it work? Is it right for me? Am I eligible? What is the process? Can I purchase the council-owned share after I move in?

We will look to answer some of these questions below, along with highlighting the value of an intermediary in guiding you through the entire process.

Who is eligible?

Shared Ownership is available to anyone looking to purchase a property to live in, as long as they will not own any other property, or a share in any other property, at completion of the new purchase.

As such, the scheme has focused on first-time buyers. However, as long as you sell your existing property before completion, Shared Ownership is also available to home movers.

The scheme is designed to assist individuals and families on lower incomes who could not purchase at this stage without the scheme’s assistance.

This means there are some general eligibility requirements, including:

  • You must be at least 18 years old
  • Outside of London, your annual household income must be less than £80,000
  • Within London, your annual household income must be less than £90,000
  • You should not be able to afford to buy a home suitable for your housing  needs on the open market
  • You must show you are not in mortgage or rent arrears
  • You must be able to demonstrate that you have a good credit history (no bad debts or County Court Judgements) and can afford the regular payments and costs involved in buying a home

You should always check the eligibility required with the housing association selling the property, as they may have specific criteria.

What is Shared Ownership and how does it work?

Put very simply, shared ownership is where you own a share of a property and pay rent on the share you don’t own.

This would typically be paid to a housing association, which would be in charge of the scheme and own the other share of the property. You can buy a share of between 25% and 75% of the property.

Typically, you will need a minimum 5% deposit for the share you are purchasing, and this may be higher with some mortgage lenders.

So, for example, if the overall purchase price is £400,000 and you are buying a 50% share for £200,000, you would need a personal deposit of £10,000, which is 5% of £200,000.

An intermediary who specialises in new build mortgages will be able to advise you on the various lender options and the deposit requirements they have.

Is Shared Ownership right for me?

Essentially, shared ownership is one of the cheapest ways to get on the property ladder, due to the deposit requirements being based on the share you are purchasing.

Also, if you’re confident that you’ll increase your earnings or savings enough to buy the whole of the property, which you can do via staircasing, then the shared ownership scheme can be particularly useful.

However, Shared Ownership will not be the right choice for everybody. It means paying rent on the share not owned, so it is important to ensure this is easily affordable for you.

There will also often be a monthly service charge on these properties that you should take into account.

You must ensure you are comfortable with the details of the scheme and all of the options and implications for the duration of your ownership.

It’s also worth bearing in mind that the housing association will have first refusal if you decide to sell the property. Their right to buy the property back first will last for a term of 21 years from the date of 100% ownership.

This is why speaking to a good intermediary who has expertise in the scheme is so vital for anybody thinking of purchasing with Shared Ownership, as they can guide you through the pros and cons.

[box style=”4″]

What’s the process for the Shared Ownership and mortgage applications?

One of the major differences when purchasing using Shared Ownership is that there are, in effect, two applications to proceed with and also different steps to applying for these.

The process in brief

Step 1 – Ensure you meet the eligibility for Shared Ownership

We can help you to confirm this, and afterwards will direct you to the housing association in the area you wish to purchase the Shared Ownership property in, so that they can confirm this before you look to commit to a property.

Step 2 – Having an accurate budget

You need to have your affordability checked with an adviser who covers both the mortgage lenders and Shared Ownership.

It is vital that you speak to an intermediary who understands the Shared Ownership scheme and who has access to the Shared Ownership affordability calculator.

This will allow you to accurately confirm your budget before looking to view any properties and also takes the rent commitment into account. You will be able to get the mortgage agreed in principle at this stage.

Step 3 – Viewing properties

Once you have your eligibility and budget confirmed and your mortgage agreed in principle you should arrange to view some properties to get a feel for what is available.

Most housing associations will have stock for sale via Shared Ownership, and local properties will be listed on their website as well as the normal property listing websites.

Step 4 – Reserving a property

Once you offer on a property and have this accepted, the housing association will ask you to complete a reservation form.

At this stage a non-refundable deposit, typically around £200, is required. The housing association will submit your official Shared Ownership application at this time, while your eligibility with them will already be confirmed.

Step 5 – Mortgage application

At this stage your mortgage adviser will also submit your application to the mortgage lender. The mortgage lender will instruct the valuation on the property when you submit the mortgage application.

You will also need to appoint a solicitor at this point in proceedings. I would heavily recommend you enlist a solicitor who has experience with Shared Ownership purchases.

Step 5 – Approval and moving

Once your documentation is assessed and approved you will receive a mortgage offer from the lender.

Once you have these your solicitor will be able to arrange exchange of contracts on the purchase.

This is when all sides are legally committed to the purchase, and a date is set for completion – when you get the keys!

[/box]

[box style=”4″]

Case Study

Let’s take a look at a new case study. These recent Alexander Hall clients illustrate how Shared Ownership can significantly benefit a first-time buyer family.

The clients

A young couple, Kevin* and Stacey*, are both first-time buyers. Kevin is a self-employed taxi driver and Sarah is a nurse on a basic salary.

The scenario

Kevin and Stacey have been renting for the last few years in central London and met with a mortgage adviser to discuss purchasing.

However, with the budget they were given they felt they could not find a property that would match their needs and were struggling to save the deposit required.

The clients had a £30,000 deposit thanks to some savings and a family gift and were shocked to see that this was not enough to purchase the properties they were looking at when combined with their maximum borrowing.

The solution

We advised Kevin and Stacy that shared ownership could be a good option. We put them in touch with the housing association, which confirmed their eligibility. They then carried out some viewings and found a property that they fell in love with very quickly.

This meant the clients could purchase a two-bedroom flat in their local area, and with overall monthly payments still lower than their existing rental payments.

Property value: £415,000

Share being purchased: £207,500 (50%)
Loan amount: £186,750 (clients had a 10% deposit for their share)
LTV: 90% (of the share)
Rate: 1.95% five year fixed
APRC: 3.8%
Term: 35 Capital Repayment
Lender arrangement fee: £999 added to loan amount
Mortgage payment: £620pcm

Rent payment on the remaining share: £623pcm

Service charge: £129pcm

Total monthly expenditure: £1372pcm

[/box]

*Names changed

Greg Cunnington is director of lender relationships and new homes at Alexander Hall

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. 
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Tags: Alexander Hallshared ownershipshared ownership mortgages
ShareTweetPin

Our recommended tools

Mortgage Calculators

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Mortgage Match

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Mortgage Best Buys

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Mortgage Search

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Next Post
Buying v renting: Homeowners rake in a £350k bonus

Buying v renting: Homeowners rake in a £350k bonus

  • Home
  • Features
  • First-Time Buyer
  • Buy-to-Let
  • Remortgage
  • Equity Release
  • Insurance
  • Home Buying
  • Property Market
  • what MORTGAGE Awards
  • Podcasts
  • Advice Archive
  • Essentials
  • Advertise
  • packages

© 2025 JNews - Premium WordPress news & magazine theme by Jegtheme.

[MBM_Form id="284841"]

Buying a property, moving home or re-mortgaging? Sign up to our newsletter and marketing emails, and we'll send all the latest mortgage news, top tips, expert advice and what MORTGAGE Awards updates straight to your inbox.

I am a...*
First Name*
Email*
First Name*
Last Name*
Email*
Company
Job Title
I would like to receive...
[MBM_Form id="284841"]

Buying a property, moving home or re-mortgaging? Sign up to our newsletter and marketing emails, and we'll send all the latest mortgage news, top tips, expert advice and what MORTGAGE Awards updates straight to your inbox.

I am a...*
First Name*
Email*
First Name*
Last Name*
Email*
Company
Job Title
I would like to receive...
No Result
View All Result
  • 2013 Awards Nominees
  • 2014 What Mortgage Awards nominations – voting now open!
  • 2016 What Mortgage Awards
  • 2021 What Mortgage Awards – Call for nominations
  • 2021 What Mortgage Awards – Nominee shortlist revealed
  • 2025 what MORTGAGE Awards: About
  • Aberdein Considine
  • About House Price Data
  • About us
  • Add Listing
  • Add Profile listing
  • Advertise
  • Advice
    • Ask the Experts
      • Halifax
      • Mortgages for Business – Buy-to-Let
      • Virgin Money
    • Book Reviews
      • Retire Early Retire Wealthy by Roly Weaver
      • Sorting Out Your Finances For Dummies
    • Rebekanomics
      • April 2014 – Rebekanomics
      • August 2013 – Rebekanomics
      • December 2013 – Rebekanomics
      • February 2014 – Rebekanomics
      • January 2014 – Rebekanomics
      • July 2013 – Rebekanomics
      • July 2014 – Rebekanomics
      • June 2013 – Rebekanomics
      • June 2014 – Rebekanomics
      • May 2014 – Rebekanomics
      • November 2013 – Rebekanomics
    • September 2013 – Rebekanomics
  • AOL Webmail
  • Apple Mail
  • April 2017 Buy to Let Mortgage Advice
  • April 2017 Residential Mortgage Advice
  • Ask the expert
  • Awards
  • Best Buys
  • Best Buys
  • Best Buys – Equity Release
  • Buy-to-Let Mortgage Advice
  • Buy-to-let mortgages
  • Calculators
    • How much can i borrow on a buy to let mortgage?
    • How much can I borrow?
    • How much rent should I charge?
    • How much stamp duty will I pay?
    • How much will my payments be?
    • What if I overpay my mortgage
  • Cart
  • Checkout
  • Contact Us
  • Dashboard
  • Directory landing page
  • Directory of Lending Criteria
  • Discount Tables
  • Energy performance certificates (EPCs)
  • Equity Release
  • Equity Release Calculator
  • Equity Release Mortgage Advice
  • Equity Release Supermarket Archive Page
  • Equity Release Supermarket: Equity Release Mortgage Advice – April 2019
  • Equity Release Supermarket: Equity Release Mortgage Advice – April 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – April 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – April 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – August 2019
  • Equity Release Supermarket: Equity Release Mortgage Advice – August 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – August 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – August 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – December 2019
  • Equity Release Supermarket: Equity Release Mortgage Advice – December 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – December 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – December 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – February 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – February 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – February 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – February 2023
  • Equity Release Supermarket: Equity Release Mortgage Advice – January 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – January 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – January 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – January 2023
  • Equity Release Supermarket: Equity Release Mortgage Advice – July 2019
  • Equity Release Supermarket: Equity Release Mortgage Advice – July 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – July 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – July 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – June 2019
  • Equity Release Supermarket: Equity Release Mortgage Advice – June 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – June 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – June 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – March 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – March 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – March 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – May 2019
  • Equity Release Supermarket: Equity Release Mortgage Advice – May 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – May 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – May 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – November 2019
  • Equity Release Supermarket: Equity Release Mortgage Advice – November 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – November 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – November 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – October 2019
  • Equity Release Supermarket: Equity Release Mortgage Advice – October 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – October 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – October 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – October 2022
  • Equity Release Supermarket: Equity Release Mortgage Advice – September 2019
  • Equity Release Supermarket: Equity Release Mortgage Advice – September 2020
  • Equity Release Supermarket: Equity Release Mortgage Advice – September 2021
  • Equity Release Supermarket: Equity Release Mortgage Advice – September 2022
  • Essential Links
  • Essentials
    • At a glance
      • First-time buyers
      • Home selling
      • Offset mortgages
    • Fact file
      • If things go wrong
      • Making an offer
      • Repaying debts
      • The costs
      • Which mortgage is right for me?
    • Guides
      • Home buyer’s checklist
      • Home mover’s checklist
      • Home seller’s checklist
  • Events
  • Feature – What is mortgage protection and do I need it?
  • Featured finalists
  • Featured Winners: what MORTGAGE Awards 2024
  • February/March Buy to Let Mortgage Advice
  • Fixed Tables
  • Flexible
  • Gmail
  • Home
  • Home insurance
  • House Price Finder
  • House Price Search
  • How do I find a good estate agent to sell my home?
  • How much can I borrow?
  • How Much Is My House Worth?
  • January Feature – What’s a mortgage broker and how do you find one to help you?
  • June 2017
  • Life insurance
  • Login or Register
  • May 2017
  • MBM Directory Search Form
  • Media Information 2018
  • Microsoft Outlook
  • Mortgage Business expo
  • Mortgage Enquiry
  • Mortgage for Business – June 2017
  • Mortgage for Business – May 2017
  • Mortgage Match
  • Mortgages for Business – Residential
  • Mortgages for Business: Buy to Let Mortgage Advice – April 2018
  • Mortgages for Business: Buy to Let Mortgage Advice – April 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – April 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – April 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – April 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – August 2018
  • Mortgages for Business: Buy to Let Mortgage Advice – August 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – August 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – August 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – August 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – December 2018
  • Mortgages for Business: Buy to Let Mortgage Advice – December 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – December 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – December 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – December 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – February 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – February 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – February 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – February 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – February 2023
  • Mortgages for Business: Buy to Let Mortgage Advice – January 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – January 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – January 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – January 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – July 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – July 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – July 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – July 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – June 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – June 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – June 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – June 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – June/July 2018
  • Mortgages for Business: Buy to Let Mortgage Advice – March 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – March 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – March 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – March 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – March 2023
  • Mortgages for Business: Buy to Let Mortgage Advice – May 2018
  • Mortgages for Business: Buy to Let Mortgage Advice – May 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – May 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – May 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – May 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – November 2018
  • Mortgages for Business: Buy to Let Mortgage Advice – November 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – November 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – November 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – November 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – October 2017
  • Mortgages for Business: Buy to Let Mortgage Advice – October 2018
  • Mortgages for Business: Buy to Let Mortgage Advice – October 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – October 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – October 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – October 2022
  • Mortgages for Business: Buy to Let Mortgage Advice – September 2017
  • Mortgages for Business: Buy to Let Mortgage Advice – September 2018
  • Mortgages for Business: Buy to Let Mortgage Advice – September 2019
  • Mortgages for Business: Buy to Let Mortgage Advice – September 2020
  • Mortgages for Business: Buy to Let Mortgage Advice – September 2021
  • Mortgages for Business: Buy to Let Mortgage Advice – September 2022
  • Mortgages for Business: Buy to Let Mortgage Advice: March 2018
  • Mortgages for Business: Residential Mortgage Advice – April 2018
  • Mortgages for Business: Residential Mortgage Advice – April 2019
  • Mortgages for Business: Residential Mortgage Advice – April 2020
  • Mortgages for Business: Residential Mortgage Advice – April 2021
  • Mortgages for Business: Residential Mortgage Advice – April 2022
  • Mortgages for Business: Residential Mortgage Advice – August 2018
  • Mortgages for Business: Residential Mortgage Advice – August 2019
  • Mortgages for Business: Residential Mortgage Advice – August 2020
  • Mortgages for Business: Residential Mortgage Advice – August 2021
  • Mortgages for Business: Residential Mortgage Advice – August 2022
  • Mortgages for Business: Residential Mortgage Advice – December 2018
  • Mortgages for Business: Residential Mortgage Advice – December 2019
  • Mortgages for Business: Residential Mortgage Advice – December 2020
  • Mortgages for Business: Residential Mortgage Advice – December 2021
  • Mortgages for Business: Residential Mortgage Advice – December 2022
  • Mortgages for Business: Residential Mortgage Advice – February 2019
  • Mortgages for Business: Residential Mortgage Advice – February 2020
  • Mortgages for Business: Residential Mortgage Advice – February 2021
  • Mortgages for Business: Residential Mortgage Advice – February 2022
  • Mortgages for Business: Residential Mortgage Advice – February 2023
  • Mortgages for Business: Residential Mortgage Advice – January 2019
  • Mortgages for Business: Residential Mortgage Advice – January 2020
  • Mortgages for Business: Residential Mortgage Advice – January 2021
  • Mortgages for Business: Residential Mortgage Advice – January 2022
  • Mortgages for Business: Residential Mortgage Advice – January 2023
  • Mortgages for Business: Residential Mortgage Advice – July 2019
  • Mortgages for Business: Residential Mortgage Advice – July 2020
  • Mortgages for Business: Residential Mortgage Advice – July 2021
  • Mortgages for Business: Residential Mortgage Advice – July 2022
  • Mortgages for Business: Residential Mortgage Advice – June 2019
  • Mortgages for Business: Residential Mortgage Advice – June 2020
  • Mortgages for Business: Residential Mortgage Advice – June 2021
  • Mortgages for Business: Residential Mortgage Advice – June 2022
  • Mortgages for Business: Residential Mortgage Advice – June/July 2018
  • Mortgages for Business: Residential Mortgage Advice – March 2018
  • Mortgages for Business: Residential Mortgage Advice – March 2019
  • Mortgages for Business: Residential Mortgage Advice – March 2020
  • Mortgages for Business: Residential Mortgage Advice – March 2021
  • Mortgages for Business: Residential Mortgage Advice – March 2022
  • Mortgages for Business: Residential Mortgage Advice – March 2023
  • Mortgages for Business: Residential Mortgage Advice – May 2018
  • Mortgages for Business: Residential Mortgage Advice – May 2019
  • Mortgages for Business: Residential Mortgage Advice – May 2020
  • Mortgages for Business: Residential Mortgage Advice – May 2021
  • Mortgages for Business: Residential Mortgage Advice – May 2022
  • Mortgages for Business: Residential Mortgage Advice – November 2018
  • Mortgages for Business: Residential Mortgage Advice – November 2019
  • Mortgages for Business: Residential Mortgage Advice – November 2020
  • Mortgages for Business: Residential Mortgage Advice – November 2021
  • Mortgages for Business: Residential Mortgage Advice – November 2022
  • Mortgages for Business: Residential Mortgage Advice – October 2017
  • Mortgages for Business: Residential Mortgage Advice – October 2018
  • Mortgages for Business: Residential Mortgage Advice – October 2019
  • Mortgages for Business: Residential Mortgage Advice – October 2020
  • Mortgages for Business: Residential Mortgage Advice – October 2021
  • Mortgages for Business: Residential Mortgage Advice – October 2022
  • Mortgages for Business: Residential Mortgage Advice – September 2017
  • Mortgages for Business: Residential Mortgage Advice – September 2018
  • Mortgages for Business: Residential Mortgage Advice – September 2019
  • Mortgages for Business: Residential Mortgage Advice – September 2020
  • Mortgages for Business: Residential Mortgage Advice – September 2021
  • Mortgages for Business: Residential Mortgage Advice – September 2022
  • MPPI
  • My account
  • Newsletter new e-shot
  • Newsletter sign-up process
  • Newsletter Signup
  • Nominations for the 2017 What Mortgage awards is now open
  • Nominations for What Mortgage Awards 2016 now open
  • October 2013 – Rebekanomics
  • Outlook.com
  • packages
  • Profile
  • Profile: The Insurance Surgery
  • Q&A’s: Principality
  • Q&A’s: Purple Bricks Mortgages
  • Receive a free copy
  • Register your interest: what MORTGAGE Awards 2025
  • Remortgage
  • Remortgaging
  • Residential Mortgage Advice
  • Safe Sender instructions
  • Search results
  • Shop
  • Sitemap
  • Test page to be deleted
  • Thunderbird
  • Two factor authentication [2FA] Setup
  • Virgin – June 2013
  • Website feedback
  • Weekly What Mortgage newsletter Thank you
  • what MORTGAGE Awards
    • 2011 Awards Nominees
    • 2011 Awards Results
    • 2012 Awards
    • 2012 Awards Nominations
    • 2012 Awards Results
    • 2012 Nomination Spotlights
    • 2013 What Mortgage Awards – Winners
    • 2014 What Mortgage Awards – Winners
    • 2015 What Mortgage Awards – Winners
    • 2016 What Mortgage Awards – Winners
    • 2017 What Mortgage Awards – Winners
    • 2018 What Mortgage Awards – Winners
    • 2019 What Mortgage Awards – Winners
    • 2020 What Mortgage Awards – Winners
    • 2021 What Mortgage Awards – Winners
    • 2022 What Mortgage Awards – Nominee shortlist revealed
    • 2022 What Mortgage Awards – Winners
    • 2023 What Mortgage Awards
    • 2023 What Mortgage Awards – Nominations now open!
    • 2023 What Mortgage Awards – Nominee shortlist revealed
    • 2023 What Mortgage Awards – Winners
    • 2024 What Mortgage Awards – Nominee shortlist revealed
    • Award Winners 2009
    • Enter your nominations for the 2022 What Mortgage Awards
    • Personal Finance Awards 2010 – Winners/Highly Commended
    • Personal Finance Awards 2010/11 Nominees
    • What Mortgage Awards 2011 Nominees
  • what MORTGAGE Awards – Thank you
  • What Mortgage Awards 2018 – Nominee Shortlists announced
  • What Mortgage Awards 2020 nominee shortlists revealed
  • what MORTGAGE Awards 2024: Winners revealed
  • what MORTGAGE Awards 2025: Nominations
  • what MORTGAGE Awards 2025: Voting
  • What Mortgage Awards: Help us find the best in the business
  • What Mortgage Service Standard Awards 2015
  • What Mortgage TV
  • WM newsletters
  • wmhome
  • Yahoo

© 2025 JNews - Premium WordPress news & magazine theme by Jegtheme.