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Author: Carl Shave-Director
Updated on June 13th, 2023

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Shared Ownership Calculator

Fill out our quick and easy Mortgage Affordability calculator below. We only require a few details to see how much you may be able to borrow.


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Many people have utilised the Shared Ownership scheme to enable them to purchase a property when perhaps they would not normally have been able to.  With the end of the Government’s Help to Buy Shared Equity scheme it is envisaged that the interest in shared ownership will increase.

Our Shared Ownership mortgage calculator will assist you in checking what level of borrowing you may be able to obtain.


How much rent will I pay with my Shared Ownership mortgage?

If you have a particular property in mind, you may be able to find out the exact rent payment from the agent or landlord. If this is not possible, or you simply wish to see what sort of budget you have to work with, there is a typical calculation you can use to get you started. The rent is calculated against the share still owned by the landlord, so the more you purchase the lower the rent will be. Whilst rents can vary, a good calculation to use is 3% of the landlord’s share. The following gives an example using a purchase price of £250,000:

Percentage ownership     Landlord share

50% = £125,000                 £125,000      x 3% = £3750 pa and £312pm


25% = £62,500                    £187,500      x 3% = £5625 pa and £469pm


How does a Shared Ownership mortgage calculator work

In short, there is very little difference between a standard mortgage affordability calculator and that for a Shared Ownership. The main difference between the two, and one that is vitally important to remember should you wish to get an accurate idea of your budget, is the inclusion of the monthly rent payable. This is an often-forgotten element when people are looking into their affordability, however, when omitted, it can give a false result and in turn possible disappointment further along your journey.

If you need any assistance with your Shared Ownership mortgage needs, experienced advisers our are on hand to help.

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