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Open a Lifetime ISA today. Save up to £4,000 each year towards your house deposit and you’ll get a 25% government bonus, tax free.

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Discover all our mortgage schemes
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Buy a share of a home with private Shared Ownership

Make the unaffordable, affordable with a private Shared Ownership mortgage. These part buy, part rent schemes let you buy a share of a home, helping you get on the ladder sooner and for less.

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Discover how much you can really borrow.

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Suitable for buyers & movers

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Buy a share of a home

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Borrow up to 10x your income

How does it work?

If you're struggling to save up a big enough deposit or get a large enough mortgage to buy a home, Shared Ownership could be the solution. Instead of getting a mortgage for the full property price you'll purchase a share of a home, significantly reducing the amount you need to get on the ladder.

Over time, you can staircase your way up to full ownership, buying more of the property each month, or in lump sums. Until then, you’ll pay rent on the part of the property you don’t own to a private landlord.

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Why Tembo?

We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.

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Private Shared Ownership schemes

There are multiple lenders who specialise in Shared Ownership and part buy, part rent schemes. To see which ones you could be eligible for, create a free Tembo plan today in under 10 minutes.

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Your Home

Avoid compromising on size, style or location by buying a share of a home, then pay rent on the rest. Over time, purchase more of the property or choose to sell your share. You'll benefit from any property gains on your share, plus 50% of the value increase on the share you didn't buy.

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Wayhome

Buy a share of a home worth 10x your income with Wayhome's Gradual Homeownership scheme. Instead of having to afford the whole property, you will purchase a share of the property and pay rent on the rest. You can choose to buy more of the property each month or in lump sums when you're ready.

No deposit Rent to Own

An alternative to traditional renting, this Rent to Own scheme is a way to build up equity in a home without needing any deposit. Your monthly payments will be made up of your rent, plus an extra 1.5% which is put towards paying off the property. So you can build up property wealth in the home you live in while renting.

StrideUp

StrideUp's home purchase plan allows you to buy a share of a home, then each month you'll make one payment made up of rent and purchase payments. If you stay for the whole term, you'll end up owning your 80% share outright. You can also choose to buy StrideUp's 20% share off them later down the line to own the home fully.

The application process

Get into your very own home in 4 simple steps

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Make a Tembo plan

We’ll check your eligibility for part buy part rent solutions as well as other buying schemes. Then you’ll get a personalised mortgage recommendation including interest rates and repayments - all in under 10-minutes.

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Talk to an expert

Book a call with our mortgage experts to start the qualification process and cover any questions you might have. If you want to move ahead, we'll introduce you to your account manager from your Private Shared Ownership provider.

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Find a property

Your Private Shared Ownership provider will arrange a decision in principle for you to confirm your final budget, and then it’s time to find a home! You'll need to ensure the property you choose meets their requirements, but your account manager will be on hand to support you throughout the search.

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Make home happen

Once you’ve found a property, your Private Shared Ownership account manager will work with you and your chosen conveyancer to purchase the home outright.

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Confused about mortgages? Read our guides for expert tips on saving, buying and the market.

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