Shared ownership

One of the biggest financial challenges you might face is getting your foot onto the property ladder. You may find it tough to save for a deposit or feel your income is too low.


How we can help you

Shared ownership provides an alternative option of purchasing a property and starting your journey as a homeowner. As ‘traditional’ mortgages require a significant deposit, it can be difficult to manage for some.

Choosing a Shared Ownership mortgage means you can get onto the property ladder by buying a share of a home. By buying a share of a property, your deposit is lower, and you can then save enough to purchase further shares into the property while renting the rest. This relieves the pressure on you initially and helps you save for future share purchase.

With Thomas Nicholas, you’ll be assured that you will have someone with you on each step of your journey.

Fee-free mortgage advice – we will not charge you a penny. We’re fee-free and always will be
Whole of market – we compare 1000s of products to find the one that is suited to your needs
Taking the weight off your shoulders – we liaise with your lender, solicitor, and estate agent so you don’t have to do any of the heavy lifting

How we can help



Samuel Cowan

Thomas Nicholas provide a great service, support and advice throughout and have taken a lot of pressure away from the stress of moving house. 

Scott Maclennan

Many thanks to Thomas Nicholas for their help while we remortgaged. This is the second time we've used their financial service. Once again they catered perfectly to our needs. 

Alex Haws

Great service from Tom and the team. They talked us through all the options for our first mortgage and got us a great deal. They were also able to help with solicitor recommendations. 

Daniel Wilson

Once again, excellent service provided by Thomas Nicholas. The support and help all the way is brilliant. Will always use them to remortgage as it's made so easy by the staff. 

Coco Hardy

Tom and his team were excellent assisting me with my first home purchase. They even helped me with insurance and personal income protection. I wouldn't have known where to start without their help! 

Meg Evans

Such an amazing mortgage advice service! They kept us in the loop with every process of buying our first home and made it seem easy and not stressful.