Joint Equity shared home ownership

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Learn about buying your first home with Joint Equity?

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Site updated: 24/01/2012

The Joint Equity Scheme is for first-time buyers, home owners and property investors.

This site is developed and maintained by Joint Equity ltd. ©Joint Equity ( 2007, 2008, 2009, 2010) 2011

Joint Equity Ltd works with City Mortgage Bureau to provide case studies & Illustrations to prospective Owner-Partners & Investor-Partners. Joint Equity Ltd does not carry out any regulated activities and so is not regulated by the FSA (Financial Services Authority). Joint Equity Ltd are introducer appointed representatives of

City Mortgage Bureau Ltd, which are authorised and regulated by the Financial Services Authority.

The content of this website is accurate to the best of our knowledge and for information only. We do not provide financial advice.

Joint Equity the alternative route to home ownership and ethical property investment

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► Welcome to Joint Equity.

Joint Equity the new ethical private shared home ownership option for occupiers and investors.

The traditional options are for occupiers to get a mortgage direct from a lender. However, if you do not have a high enough income or deposit you cannot and have to rent, wasting your money every month.

But why rent when you can now buy & be a Joint Equity Owner?

And for investors, they had to become a landlord through Buy-to-Let, with diminishing returns, low Return on Investment (ROI), increasing burdens imposed by this Government and with all the hassle and problems Buy-to-Let brings not to mention non payment of rent.

But why not avoid all this and become a Joint Equity Investor and have the benefit of Ethical Investing?

Follow the links on the right for more information on how Joint Equity can help you.

Do you want to know who Joint Equity team are? Click here.

Or what one of our Owners thinks of us and buying through Joint Equity? here.

Want to become a Joint Equity Investor-Partner?

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Thinking of changing from Buy-to-Let to Joint Equity?

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Sell NEW homes to Joint Equity Owners?

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► Treating Partners Fairly Results.

Q4 2011 published 5th January 12 here

Q3 2011 published 17th October 11 here

Q2 2011 published 14th July 11 here

Q1 2011 published 19th April 11 here

For all our TPF management reports since 2007 go to the TPF pages here

You might also be interested in our Complaints Procedure and the reports since 2009 here

► Shared home ownership with Joint Equity.

Joint Equity, the ethical private shared home ownership, is different from the Government’s shared home ownership, such as HomeBuy, more details here

► Joint Equity & home ownership news

► Ethical Investing

True Ethical or Socially Responsible Investment (SRI), is difficult to achieve.

Buy to Let is anything but ethical, but Joint Equity provides investors with the only way to invest ethically in residential property . More

► Joint Equity Investment Partnerships (JEIPs).

Investing in Joint Equity properties through our new Investment Partnerships lowers risk and offers hands-off investment. Easy to set up and run, much more here .

Thinking of selling your home to a Joint Equity Owner?

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► Do you have any comments?

We know you hear this from everyone but we really do want to know what you think of us just click here

► New Joint Equity web site pages

There is some confusion over Stamp Duty when buying a home especially if you are a First Time Buyer so we have added an explanatory page Here

► Lenders withdraw interest only mortgages

The FSA has been putting pressure on Lenders to withdraw Interest Only mortgages and Joint Equity lenders now only offer Repayment Mortgages.

We will continue to offer as many options and mortgages as we can, but email us for the latest position on what our Lenders offer

► Homes in 1999 and 2011

1999 was the peak year for sales to First Time Buyers. Click table for larger image

This means 440,000 people a year are not buying their own home compared to 1999, where are they living? At home with parents? Or in rented?

Deposits have risen from £5k to £40k and you will be about 37 before you can buy your first home.

Rents (for this average home) have risen in the same period from £300pm to £800pm and the value has risen from £56k to £161k.

If you rent you do not benefit from any gain in value, you have no security after Short Hold Term expires and you have a landlord and estate agent to deal with.

Well we think all that sucks so we do something about it.

For this average house as a Joint Equity shared ownership home, you will need a minimum deposit of around £8k and the monthly cost is about £850pm, you will share 50% of the rise in value (a massive £52k from 1999 to 2011), stay as long as you like, and you have no landlord.

Its your home. And when you want to move we will move with you if you want us to.

Find out how you can buy a Joint Equity home on this site and complete an Illustration here to see what it means for you.

You can email us anytime if you have questions.