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Easylife Mortgages & Finances Ltd

193a Livingstone Road

Thornton Heath

Surrey

CR7 8JZ

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Hi Emilia and Elena, Thank you for all your help with buying my home and taking the time to explain everything so clearly to me. You really made it an easy process for me. Thank you and may God bless you.

Mrs R. Attanasova, Sutton.

 

Hi Emilia, Just a quick note to say a big thank you for organising the insurance for my business. I had been meaning to do this for ages . You understood the business needs and arranged excellent, comprehensive cover which I am very happy with. Thank you and if you ever need some candles, you know where to come!
Mr A. Egesi, Creative Director (UK) MilkHouse Candles www.milkhousecandles.com

 

Dear Emilia, Hope you are well. Thanks for all the efforts you have taken in achieving this property. This wasn’t possible without your undivided attention. Thanks a lot for all your help.”

Mr Cacani & Mrs Devaraju, London

 

“Emilia was a very big help in buying my first property and she was available even at silly times which was good for me :)
I would definitely recommend her to anyone and I will recommend her to anyone that asks me for a Mortage Adviser. I can call her at anytime and she will assist me and help me with whatever issue. She is lovely, very helpful and friendly.


I think that if it wasn’t for Emilia I wouldn’t have been able to buy my property with such ease.
Thank you so much, Emilia, soon I will invite you over for you to see the new place.

Miss Tania Marques De Caires”

 

How do shared ownership mortgages work?

 

 

 

 

 

 

 

The remaining 75/50/25% of the property is owned jointly, usually with a housing association. They charge you a 'rent' for the section you do not own.

 

What are the benefits of a shared ownership mortgage?

 

The main benefit of getting a shared ownership mortgage is that you get a foothold on the housing ladder and benefit from the increase to the value of your 'share'.

 

Also these schemes are unique in that you can 'staircase' up your ownership of the property; meaning you have the ability to buy additional sections of the property at a later date. Therefore you can start off by buying 50% of the property initially, then in 2 years buy another 25% and finally the last 25% so you own the entire property. This saves you the cost of having to 'size up' during your working life. As you increase your ownership of the property your rent decreases to reflect the increased ownership.

Shared Ownership Mortgages

Your first step onto the property ladder.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The Financial Services Authority does not regulate some forms of buy to lets.

Please note: The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
Easylife Mortgages & Finances Ltd is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Ltd, which is authorised and regulated by The Financial Services Authority.

 There will be a £ 75 administration fee payable on submission of mortgage application.

Easylife Mortgages & Finances Ltd - Tel: 0208 771 1176 Fax: 0208 653 3481

Easylife Mortgages & Finances Ltd registered office:193a Livingstone Road, Thornton Heath, Surrey, CR7 8JZ.   Registered in England & Wales number 5453985.

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Shared ownership mortgage schemes are a Government incentive backed up by developers and housing associations in order to provide highly quality affordable housing for first time buyers and other key workers.

The shared ownership mortgage scheme works by property buyers 'sharing' the ownership of the property. On the initial purchase you will typically buy 25/50/75% of the total property value.