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Tricon Shared Ownership Plan only from us accepts adverse credit & 100% of share. Lowest rate on the market. Only a few percent above Halifax fixed rate!

Up to 95% non adverse scheme now available but not on new build. Just in a new scheme for 95% on new build; 50% share minimum, £50,000 mortgage minimum, postcodes GU, HP, OX, RG, SL, SL, SN, SO, SP only. No postcode restrictions on other schemes. APR from 5.6%

STOP PRESS... Adverse credit scheme now available for 100% of share purchases and remortgages for staircasing or home improvement, essential repairs or to buy out a partner and even debt consolidation is still possible.

Our lenders offer shared ownership mortgages to enable first time buyers to purchase shares between 25% and 75% without the requirement of a deposit. Keyfacts illustrations are provided when you have completed our enquiry form. Ask for a personalised illustration. Please note: For adverse credit shared ownership mortgages affordability is the main criteria when assessing if you qualify. You have to demonstrate that all current commitments and living costs are within your income, including the new mortgage. Fees can no longer be added to the mortgage if you apply for 100% of share so you must have funds of between £1500 and £2500 to cover all fees (mostly the lender's fees) if you need 100%. Fees, apart from the valuation are mostly payable on completion so you do have some time to save. Shared ownership mortgages for people who have no adverse credit history have far lower rates. This also applies to 90% of share mortgages with no adverse and it pays to compare when thinking of 100%. Before you apply to us for a shared ownership mortgage to purchase a property it is best practice to speak to a housing association and find out what properties are available. We can let you know the maximum amount of mortgage you could qualify for if you are uncertain.

Our no adverse remortgage scheme offers up to 90% of the current value of your share for buying more shares or essential repairs and repayment of mortgage or rent arrears subject to approval by the housing association. It may accept debt consolidation if covered by the mortgagee protection clause in your shared ownership lease. Our adverse remortgage scheme accepts adverse credit including previous mortgage or rent arrears, defaults, late payments and loan arrears will finance up to 100% for staircasing or home improvements, to buy out a partner or essential repairs and accepts any share size from 25% to 75% self-employed with provable income can be considered. For debt consolidation We can arrange a remortgage for up to 100% (60% in Scotland) of your share or the amount of the original price you paid for the share, whichever is the greater, with adverse credit.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. We will charge you a fee of £695 for arranging and processing your mortgage the fee is not payable up-front and only if we obtain a mortgage offer for you.

To enquire about a shared ownership mortgage or remortgage go to the enquiry button and then enter the form page via the Shared Ownership Mortgages button.

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Tricon Limited is Authorised and Regulated by the Financial Services Authority to arrange mortgages.