Whether you’re new to Shared Ownership or exploring your next step, these guides break it all down simply, no jargon, just useful advice when you need it!
Shared Ownership Mortgage Calculator
How much could you borrow?
Try our Shared Ownership mortgage calculator to quickly see how much you might be able to borrow.
No credit checks needed, just a few easy steps!
Helpful guides to make things clearer
How Shared Ownership works
Uncover how the scheme helps you get on the ladder with a smaller deposit.
Got bad credit? No stress
Find out how Shared Ownership could still work for you, even with past issues.
Staircasing made simple
Learn how you can buy more of your home over time, at your own pace.
Can you afford to buy?
Use our tools and tips to work out what you could realistically borrow.
Applying for a mortgage
Not sure where to start? These guides will walk you through the full process.
Stamp duty costs, sorted
Use our quick and easy calculator to see exactly what you’ll need to pay.
The application process
Move step-by-step through what happens when you apply for a mortgage.
Should you use a broker?
Find out what mortgage brokers actually do, and whether you need one.
Frequently asked questions
The rent is calculated against the share owned by the landlord, meaning the more you purchase, the lower the rent will be. If you have a specific property in mind, you should be able to obtain the rent information from the agent or landlord.
If this is not possible or you simply wish to budget, there is a typical calculation you can use to get you started. While rent can vary, a good rule of thumb is to calculate 3% of the landlord’s share. The following gives an example using a purchase price of £250,000:
Percentage ownership Landlord share
50% share = £125,000 £125,000 x 3% = £3,750 pa or £312pm
25% share = £62,500 £187,500 x 3% = £5,625 pa or £469pm
Verified user
Jordan was fabulous and very informative, very quick process to move into my new home
Read moreUnited Kingdom, 3 days ago
Verified user
⭐⭐⭐⭐⭐ Outstanding service from start to finish! I cannot recommend Mark Gardiner highly enough as a mortgage advisor. From our very first conversation, he took the time to fully understand my financial situation, goals, and concerns, and explained every step of the process in clear, simple terms—no confusing jargon at all. Mark went above and beyond to find the best possible mortgage deal tailored exactly to my needs, comparing options thoroughly and always keeping me updated with regular progress reports. He was incredibly responsive, patient, and proactive throughout, anticipating potential issues and resolving them quickly to keep everything on track. Thanks to his expertise, attention to detail, and genuine commitment to getting the best outcome for me, what could have been a stressful process felt smooth and straightforward. I felt completely confident and well-supported at every stage. If you’re looking for a knowledgeable, trustworthy, and dedicated mortgage advisor, Mark is the person to choose. I would not hesitate to use his services again or recommend him to friends and family.I will definitely use him in the future too. Great work
Read moreUnited Kingdom, 1 week ago
Verified user
We were recently supported by John during our house sale and onward purchase. Everything was effortless and we were kept informed in a timely manner. John also supported us with updating our life insurance and even with some complications and delays John was committed to finding us the best deal and ensuring we had everything covered that we needed.
Read moreUnited Kingdom, 1 week ago
Verified user
I have been using Needham Mortgage centre for the last 15 years and have always received a brilliant and unbiased professional service. Recently introduced them to a work colleague who is a first time buyer and I tell you what, they havent let me down. Will highly recommed them anyone and everyone, all day & everyday!
Read moreUnited Kingdom, 1 week ago
Verified user
John was absolutely amazing throughout what turned into quite a lengthy process. He was incredibly patient, kept in regular contact, and made sure we were fully informed every step of the way. His communication and support made a huge difference, and we’re really grateful for everything he did for us.
Read moreUnited Kingdom, 2 weeks ago
Verified user
John and Niki were extremely helpful in arranging our recent re-mortgage. We were able to get a good fixed rate for the next five years. Any questions were answered promptly. I couldn't recommend Mortgage Centre highly enough.
Read moreUnited Kingdom, 2 weeks ago
Verified user
I couldn't recommend Needham Mortgage Centre highly enough. From the start to the end of buying our first home, Jordan provided us with clear guidance and exceptionally prompt responses to any queries we had. For what we expected to be a stressful and confusing part of buying our first house, the Needham Mortgage Centre couldn't have done any more to make it understandable and stress-free.
Read moreUnited Kingdom, 2 weeks ago
Verified user
Mark provided friends and top tier service, he found us a mortgage that worked really well for us, and talked us through all the options so we could make informed decisions. He supported us throughout the entire process with getting our mortgage in principle when looking to buy, right up until completion, we look forward to returning to his service when our mortgage needs renewing. He also put us in touch with other members of the team who helped us with all the different types of insurances, which made the process of buying as a first time buyer so smooth. Thank you for all your support Mark and the rest of the team.
Read moreUnited Kingdom, 2 weeks ago
Verified user
We as first time buyers was worried with the the mortgage process but we had Jordan Gardiner who was brilliant finding us the best deals. He is very knowledgeable and professional explaining everything very efficiently and always replying very quickly if we had any questions at all. He had made the process totally stress free. I would 100% recommend Needham Mortgage Centre to anyone looking to remortgage or are trying to get on the property ladder.
Read moreUnited Kingdom, 2 weeks ago
Verified user
Needham Mortgage centre has been incredible throughout our last two moves. They have provided us with excellent advice and support. They kept us updated and chased others where needed. Excellent service.
Read moreUnited Kingdom, 2 weeks ago