Shared Equity Home Loans

Shared Equity: Step Into the Property Market Sooner

Saving a full 20% deposit while keeping up with rising property prices can feel like moving goalposts. A Shared Equity Home Loan offers a smarter way to bridge the gap. By partnering with an equity participant – such as a government program like the Help to Buy scheme – you can lower your upfront deposit requirements and significantly reduce your monthly repayments.

At Lendable, we help you navigate shared equity options so you can secure a place of your own without taking on overwhelming debt.

  • MORE THAN JUST A MORTGAGE BROKER

What is Shared Equity and How Does It Work?

Shared equity is a co-investment model where a third party contributes towards your property’s purchase price in exchange for a percentage share in the property’s value.

Because the equity partner shares the financial stake, you borrow less from the bank, which means smaller monthly loan repayments and no need for costly Lender’s Mortgage Insurance (LMI).

You hold the title: You are the legal homeowner, living in and maintaining the property.

You pay lower repayments: Your loan amount is smaller because it only covers your share of the purchase price.

You share the growth: When you sell or choose to buy out the equity share down the track, the partner receives their percentage of the property’s current market value.

  • FIND A SOLUTION

Key Benefits of Shared Equity

  • Lower Deposit Requirements: Get into your home much faster with a significantly smaller initial deposit.
  • Reduced Monthly Repayments: Borrow less overall, keeping your home loan repayments manageable and aligned with your budget.
  • Avoid LMI Costs: By combining your deposit and the equity contribution, you can bypass expensive Lender’s Mortgage Insurance fees.
  • Path to Full Ownership: Most shared equity structures allow you to buy out the remaining equity percentage over time as your financial situation grows.

Types of Shared Equity Solutions We Assist With


We Match the Right Scheme to You

Shared equity rules and eligibility criteria vary widely depending on location and lender. We determine exactly which options align with your income and goals.


Transparent Breakdown

We make sure you understand every aspect of the agreement — from future exit strategies and buy-out options to how property price appreciation affects your share.


Seamless Process

From initial eligibility checks through to loan approval, we coordinate with lenders and government bodies to keep your application moving smoothly.

Client Reviews

Buying a home is one of the biggest financial moves you’ll ever make, and we’re committed to making the process simple, strategic, and stress-free. From first home buyers getting into the market sooner to investors growing their portfolios with confidence, our clients’ reviews reflect what we stand for: clear advice, genuine support, and brokers who go the extra mile to make things happen.

Ready to Explore Your Options?

Let’s figure out if shared equity is the right step for your property journey. Talk to our expert team today to calculate your borrowing power and discover how close you really are to owning your home.