Shared Ownership Calculator

Calculate your shared ownership affordability, mortgage payments, rent, and total monthly costs. Work out exactly what you'll pay with our comprehensive shared ownership calculator.

Property Details

Property Price

Share Percentage

Financial Details

Annual Gross Income

Deposit Available (optional - defaults to 5%)

Mortgage Interest Rate (%)

Mortgage Term (Years)

Monthly Costs

Monthly Rent (on unowned share - optional)

Service Charges (Monthly)

Other Monthly Expenses (ground rent, insurance, etc.)

Your Shared Ownership Costs

Enter property details to see your shared ownership calculations

💡 Shared Ownership Info

• You can buy between 25% and 75% of a property initially, then buy more shares later (staircasing).

• You pay rent on the share you don't own, typically around 2.75% annually.

• Most shared ownership properties are new builds with warranties and modern features.

• Household income must be £80,000 or less (£90,000 in London) to qualify.

Looking for a Full Purchase?

If you're considering buying 100% of a property, try our mortgage calculator to work out affordability and monthly payments.

Try Mortgage Calculator