Shared Equity Mortgages

What is a Shared Equity Mortgage?

A Shared Equity mortgage helps you buy a property with the assistance of an equity loan from the government or a developer, covering a portion of the purchase price.

How It Works?

Equity Loan: Receive an equity loan for a percentage of the property’s value (often 20-40%).
Mortgage: Secure a mortgage for the remaining share.
Repay Loan: Pay back the equity loan when you sell the property or after a set period.

Benefits of Shared Equity Mortgages

Lower Initial Costs: Reduced mortgage amount and deposit required.
Increased Affordability: Makes buying a home more accessible.
Potential Appreciation: Benefit from property value increases.

Need expert mortgage advice?

Interested in a Shared Equity mortgage? Contact us today to explore your options and find the best scheme for you.

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Explore Your Mortgage Universe

Embark on your mortgage journey with confidence alongside Pera Mortgages.
As UK-based mortgage brokers, we understand the complexities of the market. Let our seasoned experts steer you through the maze of options, ensuring a seamless experience tailored to your needs.

First Time Buyers

Are you considering purchasing your first home?
The journey to homeownership can feel like navigating uncharted waters, especially if you're a first-time buyer.
But fear not, because we're here to help make the process smooth sailing from start to finish.

Tell me more

Remortgaging

We provide extensive remortgage guidance customised to your unique situation.
With advice from our expert mortgage consultants, who survey deals from across the market, you can be confident in securing the most appropriate remortgage deal for your needs.

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Buy to Let

A Buy to Let Mortgage could be a good option for those looking to invest in property.
Our team is here to help you, whether you’re just getting started with property investment or looking to expand your existing portfolio.
We’ll be happy to compare deals from different lenders to find a mortgage that suits your needs.

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Moving to a New Home

Moving to a new home is an exciting time, but navigating mortgages can be challenging.
At Pera Mortgages, we’re here to support you!
From traditional mortgages to porting and fixed or variable rates, our advisors are here to provide insights to help you make informed decisions and ensure a smooth transition into your new.

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Explore Your Mortgage Universe

First Time Buyers

Are you considering purchasing your first home?

The journey to homeownership can feel like navigating uncharted waters, especially if you're a first-time buyer.
But fear not, because we're here to help make the process smooth sailing from start to finish.

Tell me more

Remortgaging

We provide extensive remortgage guidance customised to your unique situation.

With advice from our expert mortgage consultants, who survey deals from across the market, you can be confident in securing the most appropriate remortgage deal for your needs.

Tell me more