Your path to
homeownership

Estimate your shared ownership costs and learn how the scheme works with plain-English guides.

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What this estimates

A shared ownership home usually means paying some combination of mortgage, rent, and service charges. This site helps you estimate them side-by-side so you can plan with confidence.

Mortgage

Determined by your deposit amount and interest rate from your lender.

Rent

Paid monthly on the share you don't own to the housing association.

Service Charge

Covers building maintenance, communal areas, and upkeep costs.

Start here

New to shared ownership? These step-by-step explainers are the best place to begin your journey.

Step 1

Shared Ownership Scheme: Affordable Homeownership Initiative

Learn about the government-supported shared ownership scheme that helps individuals and households become homeowners. Find eligibility criteria, rules, and benefits for shared ownership in Northern Ireland, Scotland, and Wales.

Step 2

Costs of Buying a Shared Ownership Home: Planning for Expenses

Discover the various costs involved in purchasing a shared ownership home, including reservation fees, deposits, solicitor fees, mortgage broker fees, and stamp duty. Understand the implications and options for payment to make an informed decision.

Step 3

Monthly Costs for Shared Ownership Homeowners: Rent and Service Fees

Learn how to effectively manage the monthly costs associated with owning a shared ownership home, including rent payments for the share you don't own and service fees for maintenance and communal areas. Explore insights into rent adjustments, service charge details, and key considerations to ensure financial stability.

Step 4

Finding and Buying Shared Ownership Homes: Search Tools and Legal Process

Learn how to find shared ownership homes for sale using recommended search tools. Discover the process of arranging viewings, eligibility checks, and engaging with landlords. Understand the importance of legal professionals in transferring ownership and reviewing shared ownership lease terms and mortgage conditions.
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