Butler Insurance & Mortgage Services


Co-Ownership is a shared ownership plan. You buy the share that you can afford, between 50% and 90% and Co-Ownership will cover the rest.

You pay the mortgage on your share and pay rent on the share held by Co-Ownership. Your monthly repayments could be less than they would be if you’d bought your home outright. This is because the rent set is lower than the market rate and the mortgage you need is smaller. When you’re able to, you can increase your share in your home bit-by-bit until you own it all.

If you decide to sell your home and move on, Co-Ownership will value your home. You will get the benefit of any increase in the value of your home due to improvements you have made and then the remaining value will be split between you and Co-Ownership, depending on the share that you own.

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

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Butler Insurance & Mortgage Services