With a shared ownership mortgage, you’ll pay around 25% to 75% of the property’s value, and you can potentially increase the mortgage amount over time to own a larger share also, known as staircasing.

While there is the obvious cost of the purchase price for the additional shares that you are buying, there are many other costs involved when staircasing in a Shared Ownership home. Generally speaking, we would recommend having around £2,000 saved for the process, however this amount can vary depending on a number of factors:


  • You will be required to pay for the surveyor report required to value the property.
  • You will need to appoint a solicitor or conveyancer to act on your behalf during the staircasing process.
  • You may need to remortgage your property to be able to afford the additional shares with mortgage fees ranging from lender to lender.
  • Depending on the value of the additional shares that you are buying, you may be required to pay Stamp Duty.


Your home may be repossessed if you do not keep up repayments on your mortgage.


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