Your path to
homeownership
Estimate your shared ownership costs and learn how the scheme works with plain-English guides.
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.
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.
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.
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.
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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Popular guides
In-depth articles covering affordability, mortgages, deposits, stamp duty, and more.
Shared Ownership Affordability: How Much Do You Need to Earn?
Find out how much you need to earn for shared ownership in the UK. Understand the affordability assessment, minimum income requirements, eligibility criteria, and how housing associations calculate what you can afford.
Shared Ownership Mortgages: Rates, How Much Can You Borrow & What to Expect
Everything you need to know about shared ownership mortgages in the UK. Compare mortgage rates, find out how much you can borrow, understand the application process, and learn how shared ownership mortgages differ from standard home loans.
Shared Ownership Deposit: How Much Do You Need to Save?
Find out exactly how much deposit you need for shared ownership in the UK. Learn how the deposit is calculated, ways to save faster, and what happens if you can't afford the minimum deposit.
Shared Ownership Stamp Duty: When Do You Pay & How Much?
Understand stamp duty on shared ownership properties in the UK. Learn about the two payment methods (market value vs phased), first-time buyer relief, and how stamp duty works when staircasing.
Help to Buy vs Shared Ownership: Which Scheme Is Right for You?
Compare Help to Buy and shared ownership schemes side by side. Understand the key differences in eligibility, costs, deposits, and long-term financial impact to decide which UK government scheme suits your situation best.
Shared Ownership Remortgage: When & How to Remortgage Your Home
A practical guide to remortgaging your shared ownership property in the UK. Learn when to remortgage, the process, costs involved, how to get housing association permission, and tips for finding the best deal.