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 899 reviews

Sheillah Shing

Verified user

NICHOLAS JOHNSON was efficient, made the whole process smooth and stress-free.Always responsive and one step ahead.He went above and beyond .Highly recomended! I have such a wonderful experience from start to finish, They listened carefully to my needs and answer all my questions with patience.

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United Kingdom, 3 days ago

Anonymous
Star Empty

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Very good service overall

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United Kingdom, 4 days ago

Sally Frost

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William always works hard to sourcing the right product for my needs at the time.

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United Kingdom, 5 days ago

Adetoun Ladega

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Dedicated and very helpful I have used them for several successful transactions including remortgages and new acquisitions They are my go to people for all things mortgage and I have introduced them to several clients over the years.

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United Kingdom, 5 days ago

Anonymous

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Iain is always helpful, factual and timely in his responses. Thank you for your continued service.

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United Kingdom, 5 days ago

Sarah Coe

Verified user

As always, superb service.

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United Kingdom, 6 days ago

Joanne Franks

Verified user

The service and support I receive from Tom was exceptional. He went above and beyond to help me secure a mortgage. Absolutely top service !!!!

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United Kingdom, 6 days ago

Sarah Sterling

Verified user

Using Ipswich Mortgage Centre for my property purchase was really easy and gave me the security I needed for a big decision. Ciaran was fantastic in providing me with information on the options available to me and ensuring the whole process ran smoothly. If there were any issues, Ciaran quickly stepped in to clarify and supported me through each step to ensure the transfer happened on time. Thanks for all your help. I would highly recommend working with Ciaran!

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United Kingdom, 1 week ago

Jonathan Burls

Verified user

We were very happy with the service that was provided.

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United Kingdom, 2 weeks ago

Iain Fish

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Thomas Hobin has been very helpful over the years - I first contacted him about 3 years ago but due to circumstances have only recently secured a mortgage. Very helpful at every stage. Many thanks

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United Kingdom, 2 weeks ago