About Shared Ownership Calculator

Shared Ownership Calculator is a free, mobile-first resource designed to help UK residents understand the costs of buying a shared ownership home. Whether you're a first-time buyer exploring your options or someone looking to get on the property ladder through an affordable homeownership scheme, our tools and guides are here to help.

What We Offer

Cost Estimation Tools

Our shared ownership calculator helps you estimate your monthly outgoings, including mortgage payments, rent to the housing association, and service charges. Simply enter the property details to get a clear picture of what you might expect to pay.

Educational Guides

Our blog contains step-by-step guides written in plain English, covering:

  • How the shared ownership scheme works in England (with links to Scotland, Wales, and Northern Ireland schemes)
  • Upfront costs when buying a shared ownership property
  • Managing monthly costs and budgeting effectively
  • Finding and purchasing shared ownership homes
  • Choosing the right solicitor and mortgage broker
  • Insurance requirements for shared ownership properties

Our Mission

Buying your first home can feel overwhelming, especially when navigating government schemes and understanding all the different costs involved. Our mission is to make this information accessible, clear, and practical — so you can make informed decisions with confidence.

Important Disclaimer

This site is for informational purposes only and does not provide financial advice.

The calculator provides estimates based on the information you enter and general assumptions. Actual costs will vary depending on your personal circumstances, current interest rates, housing association policies, and the specific property you're interested in.

Before making any financial commitments, we strongly recommend:

  • Speaking with a qualified, FCA-regulated mortgage adviser
  • Consulting with a solicitor experienced in shared ownership
  • Contacting housing associations directly for scheme-specific details

Stay Updated

Shared ownership rules, stamp duty thresholds, and housing policies can change. We do our best to keep our content current, but always verify important information with official sources such as GOV.UK and your chosen housing association.

Contact

If you have suggestions for improving our calculator or guides, we'd love to hear from you. Please get in touch.