News Articles

The Generation of Renters A growing number of people in the UK are stuck in the rent trap. Figures from the most recent National Census have shown that in the decade from 2001 to 2011 the proportion of those owning a home fell for the first time down to 65%. Reasons for this include rising house...

Wasting My Your Years Renting? Is Share a Mortgage the solution? London Grammar might have meant something else when they spoke of wasting their young years, but it is interesting to think how true this could be when thinking about the years renting. The London Grammar analogy may have more...

Joint Property Ownership - Is a mortgage buddy for you? Friendship is a term people use all the time, but it means very different things to different people. Some may reserve the word ‘friend’ for a small group of people they can count on one hand, whereas others may class 1,000s of...

Sign up for FREE to Share a Signing up to Share a Mortgage is FREE and couldn't be easier; you can even log in using your Facebook details. Once you have signed in you can start your search to find a Mortgage Buddy and use our helpful tools and guides leading you to the ultimate goal of...

Buy to Let student accommodation - Tips for Parents Buy to Let student accommodation has risen in line with the UK's growing student numbers. According to UCAS, 413,000 school-leavers started their first degrees in autumn 2014. In London, one property investment firm claimed that students have...

Cut your personal expenses to a minimum Pay off any outstanding debts where possible, particularly bank overdrafts and credit card debt. Do not use any payday loan service - the interest charged is astronomical. Shop around for the best deals and use sites such as...

Find the right Mortgage Buddy to live with - Share a Mortgage Share a Mortgage Isn’t for Life Think of Share a Mortgage as entering into a business relationship whereby, without each other, you wouldn’t be able to buy a property with the best mortgage interest rate. Unless you want to...

Save Money Over Renting by Buying More than a third - 37% - of tenants have stress arising from problems with landlords and letting agents and 16% have 'sleepless nights' as a result. New research from the Association of Residential Letting Agents details many of the issues which tenants have...

What is a cohabitation agreement? That's a question we're often Cohabitation agreements most often refer to contracts drawn up between unmarried couples or those not in a civil partnership, which give financial and other protections to each Marriage and civil partnership...

Divorcees are often forced into renting after moving from the marital home until they can afford to buy a place on their own, or with a new partner. This can be hard both emotionally and financially and even worse if there are children involved. Share a Mortgage provides a safe and affordable...

Share a mortgage with couples Traditionally, couples used to be to get married before buying a property. However, with the number of marriages on the decline, couples often proceed straight to buying a property together. Often looking to move from rented accommodation, couples are using Share a...

The Daily Mail (17 Feb 2014) wrote that divorcees are forced into rent. Spareroom, an online flat sharing website, stated that 60,000 people over 40 placed room wanted adverts; 20,000 more than 5 years ago.  Why do Divorcees have to rent? With average house prices in London reaching £535,000...

Once you've given back your cap and gown after graduation and tidied up your student accommodation, have you considered where you’ll be living next? Many graduates face little option but to return home while they take stock and search for their dream job. Sadly, all too often the time...

Share living costs after buying your home The costs of living in a property are often forgotten during the conveyancing process and it is only after the bills start coming in that the true costs of buying a home are realised. The Money Advisory Service states that the average mortgage repayments...

Joint Ownership of Property - Selling your share Joint ownership of a property with someone else is often the only way to buy a home in today's housing market; but what happens when you want to sell the property? Sadly many Joint Ownership property sales end where the joint owners are separating...

You can easily obtain a free credit report which gives you credit information that a lender uses to decide whether to grant you a mortgage. Simply visit any of the websites of Experian, Equifax or CallCredit and follow their instructions. You face an awful shock if you apply for a mortgage which...

Renting in Clapham has long been popular with many Londoners based on the easy rail links and exciting social life however with rent rises reaching £1,500 pcm, Clapham renters are now taking to teaming up with their housemates and friends and looking at property to buy there instead. Clapham's...

Cricklewood continues to be a popular area for people renting, however rental rates in London have shot through the roof so many of these are now looking at property to buy in the area as an alternative. Adding fuel to this is the potential gain if the property you buy increases in value. The...

Comparing Mortgage Products - Share a Mortgages 7 Top Tips! It is tough to compare mortgage products side by side when none of them seem to offer the same thing. In fact, it is often what they don't say they offer which you'll need to know in order to compare 'Apples with Apples'! If you need...

If you are a first time buyer intending to take your first step onto the property ladder, congratulations! You CAN do it, but you need to do many things to give yourself as much chance as possible. It's all about planning, preparation and above all, keeping a cool, realistic head. With that in...

For first time buyers, the idea of saving possibly tens of thousands of pounds for a deposit for a mortgage for buying a house is understandably mind-boggling. Even saving a minimum 5% deposit for, for example, a property valued at £150,000 would amount to more than £9,000. This article examines...

What makes a first time buyer conveyancing solicitor different? Is there a difference in approach for a good conveyancing solicitor for first time buyers compared to second or third time movers? Yes there is and any conveyancing solicitor who says otherwise doesn’t appreciate the fear, anxiety...

This article addresses how to improve your credit score. There are various credit agencies that hold information relating to your credit history. Mortgage Lenders and other lending companies; use your credit history to assess your viability and risk profile for credit. The better your credit file,...

Chadwick Lawrence joins Share a Mortgage to provide Conveyancing Services in West Yorkshire  Leading Yorkshire law firm, Chadwick Lawrence is pleased to announce its partnership with Share a Mortgage and SAM Conveyancing to provide conveyancing services, transfers of equity, remortgages, will...

The UK’s largest independent search provider, STL Group is pleased to announce it is supporting the revolutionary new alternative to shared ownership, Share a Mortgage. Share a Mortgage provides a solution to the affordable housing crisis in England through facilitating collaboration between...

There are two main types of mortgage: Repayment– you repay both the capital (the money lent to you) and the interest charged on it each month, until you have repaid the full loan at the end of the term. Interest only– you only pay the interest on the loan each month, so your debt stays the...

With the next general election most likely little more than a year away (2015), the leading names are jostling for position ahead of the expected 2015 date.  But many of us won’t even be able to vote in it, unless we get on to the electoral roll – and not doing so could also affect your credit...

Looking property to buy in Brixton? London property prices risen stratospherically however rents have also risen, making the prospect of teaming up with others to buy a home a prospect worth considering. Below, we look at a sample property in the Brixton area and consider some of the sums involved....

Many renters are now considering property to buy in West Norwood, given that although house prices in London have rocketed, rental rates have often risen to an even greater extent. We've looked at a sample property in West Norwood below and examined the prospect of buying it when three people join...