If buying a property outright feels just out of reach, Shared Ownership could offer the perfect stepping stone onto the property ladder.

At Tickford Mortgages, we support first-time buyers and growing households across Newport Pagnell, Milton Keynes, and the rest of the UK with expert guidance on Shared Ownership mortgages. Whether you're purchasing your first share or looking to staircase and buy more, we're here to guide you every step of the way.

Shared Ownership is a government-backed scheme designed to help people get onto the housing ladder by buying a share in a property and paying rent on the remainder. You typically purchase between 25% and 90% of the home, using a mortgage for your share, and pay subsidised rent on the rest to a housing association.

You’ll usually need a smaller deposit, and you can increase your ownership over time through a process called “staircasing”, eventually owning 100% of the property if you choose to.

Shared Ownership has its own rules and eligibility criteria — and not all mortgage lenders offer products for it. That’s where we come in.

Here’s how we make the process easier:

• 🏡 Explaining the scheme clearly, without jargon, so you understand how it works from day one
   
• 💷 Helping you work out how much you can borrow and what your monthly repayments and rent would look like
   
• 🗂️ Recommending lenders who actively support Shared Ownership, including those with flexible criteria
   
• 🤝 Coordinating with housing associations and estate agents to make the application process as smooth as possible
   

Our office in Newport Pagnell means we’re ideally placed to help buyers across Milton Keynes, Olney, Broughton, Brooklands, and beyond. We regularly assist with Shared Ownership developments in these areas and know what housing providers and local authorities are looking for in an applicant.

We can:

• Advise on local housing associations’ criteria
   
• Liaise with housing officers, estate agents, and solicitors on your behalf
   
• Support you in hitting important deadlines, such as the 28-day exchange often required on new build Shared Ownership homes
   
• Help you secure an Agreement in Principle, so you're ready to reserve when the right property comes up
   

You might qualify for the scheme if:

• Your total household income with some housing associations needs to be under £80,000 (or £90,000 in London)
   
• You’re a first-time buyer or cannot afford to purchase a property outright
   
• You are a current social tenant (e.g., council or housing association tenant)
   
• You meet specific local authority or housing provider criteria
   

Not sure if you’re eligible? We’ll help you assess your situation and explain your options clearly.

If you already own a Shared Ownership home and are thinking about purchasing additional shares, we can:

• Help you understand the financial implications and mortgage requirements
   
• Advise on whether it’s the right time to staircase based on your income, property value, and interest rates
   
• Arrange the right mortgage to support your next step toward full ownership
   

We offer a free initial consultation to help you understand how Shared Ownership could work for you — whether you're buying a new property or increasing your stake in your current home.

📍 Trusted by Shared Ownership buyers across Newport Pagnell, Milton Keynes, Wolverton, Stony Stratford, Woburn Sands, and the rest of the UK.
 

Book your free consultation today and let’s get started.

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