A couple with moving boxes after using a Shared Ownership mortgage calculator

Shared Ownership mortgage calculator

Our shared ownership mortgage calculator helps countless individuals understand how the Shared Ownership scheme can make property ownership a reality.

Do you qualify? Only takes a few minutes, NO CREDIT CHECKS!

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

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!

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.

A couple standing outside of their home happy after purchasing a larger share with a staircasing mortgage

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

Excellent

4.98 based on 889 reviews

Anonymous

Verified user

Graham Storey our mortgage advisor help us to achieve to get our new house. They’re helping us to find a low interest rate of our mortgage and help us find our house insurance fit for our budget. Easy to book for appointment to see them face to face and staff are friendly .

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United Kingdom, 2 days ago

Reece Cannell

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Very Good service and very easy to deal with. would recomend them!

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United Kingdom, 2 days ago

Shaun Stanton

Verified user

Highly recomend using Will, I have spoken with him over the last year and a half for advice whilst buying my first property. Friendly, approachable and very helpful for pointing me in the right direction. Although I was declined through several lenders Will persevered and found a lender that approved me. Finally moved in a month ago and feel this would not have been achievable without him.

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United Kingdom, 2 days ago

Charlotte Foster

Verified user

We have used the mortgage centre for our last 4 remortgages and Tom has been great. Tom’s very knowledgeable, makes helpful recommendations and works really efficiently. Would definitely recommend

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United Kingdom, 3 days ago

Hollie Farrow

Verified user

William Holden at Ipswich mortgage centre was amazing, very knowledgeable and helpful plus efficient with any queries we had. Made our mortgage completion feel easy and stress free.

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United Kingdom, 3 days ago

Lucy

Verified user

Mark Gardiner was my mortgage advisor and honestly he was amazing throughout the whole process. Before Mark contacted me I was at a complete loss as to whether I would ever own my own home due to other mortgage affordability calculators with other organisations. Mark spoke everything through with me at every step of the way, and answered every single one of my questions (there were a few, as I knew absolutely nothing about the process of buying a house!). Mark always made himself available to speak to me, I feel like he went above and beyond for me and my situation, which I really did appreciate. I do not have the right words to describe my gratitude to Mark, if it wasn’t for him I don’t think I would be sitting in my very own house right now. I had such a fantastic experience because of Mark, i would recommend him and your organisation to anyone looking to purchase a house, especially if you are a first time buyer. I just wanted to express my gratitude, and to ensure that Mark gets the acknowledgement for all of the time and effort that he put into my case.

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United Kingdom, 4 weeks ago

Marcin Ziolkowski

Verified user

Graham from Ipswich Mortgage Centre was an incredible help, exceed my expectations during remortgage time, very patient with my changing requests! Highly recommend to anyone! Will definetely use again in future.

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United Kingdom, 1 month ago

Jodie Thomas

Verified user

Tom was a great help and found the right products for me. He took time to ensure that I had got the information right & checked in me regularly throughout the journey. Highly recommend

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United Kingdom, 1 month ago

Peter Baker

Verified user

We’ve used The Mortgage Centre twice now, first time when we moved house and the second time in preparation for our next move and I couldn’t be happier with them. Staff are friendly, communication is fantastic and the advice they’ve provided has been simplified and broken down so it’s not been in any way overwhelming. I’d certainly recommend them to friends and family.

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United Kingdom, 1 month ago

Brian Armstrong

Verified user

Professional and very sound advice

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United Kingdom, 1 month ago