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!
Prefer to speak with an expert? Call our team directly on 0330 094 5876 or request a call back today.
Which lenders will take your share?
Not every lender offers shared ownership, and the ones that do set different rules on minimum share, deposit and the lease your housing association uses. An adviser can tell you which lenders would consider your scheme, and what your share would actually cost you each month.
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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