Terms & Conditions

Last updated: January 2026

Welcome to Shared Ownership Calculator. By accessing and using this website (sharedownership-calculator.co.uk), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use this Site.

1. Nature of the Service

Shared Ownership Calculator provides free online tools and educational content to help users understand shared ownership costs and the home-buying process in the UK. Our services include:

  • Mortgage and cost estimation calculators
  • Informational articles and guides about shared ownership
  • Educational resources about the home-buying process

2. Important Disclaimer

This Site is for informational purposes only and does not provide financial, legal, or professional advice.

The calculator results are estimates based on the information you provide and general assumptions. Actual costs, mortgage rates, and eligibility may vary significantly based on:

  • Your individual financial circumstances
  • Current market conditions
  • Lender-specific criteria and rates
  • Housing association policies
  • Property-specific factors
  • Changes in government schemes and regulations

3. No Financial Advice

Nothing on this Site constitutes financial advice, mortgage advice, or a recommendation to enter into any financial agreement. Before making any financial decisions:

  • Consult with a qualified, FCA-regulated mortgage adviser
  • Seek independent financial advice
  • Speak to a solicitor about legal matters
  • Contact housing associations directly for scheme-specific information

4. Accuracy of Information

While we strive to keep information accurate and up-to-date, we make no warranties or representations about the completeness, accuracy, reliability, or suitability of the information provided. The shared ownership scheme rules, stamp duty thresholds, and other regulations may change without notice.

5. Calculator Limitations

Our calculators:

  • Provide estimates only, not quotes or guaranteed figures
  • Use simplified calculations that may not reflect all real-world factors
  • Do not account for all fees, charges, or individual circumstances
  • Should not be relied upon as the sole basis for financial decisions

6. User Responsibilities

When using this Site, you agree to:

  • Provide accurate information when using our calculators
  • Not rely solely on our tools for major financial decisions
  • Verify all information with qualified professionals
  • Use the Site lawfully and not attempt to misuse or disrupt our services

7. Intellectual Property

All content on this Site, including text, graphics, logos, and software, is the property of Shared Ownership Calculator or its content suppliers and is protected by UK and international copyright laws. You may not reproduce, distribute, or create derivative works without our written permission.

8. Third-Party Links

This Site may contain links to external websites. These links are provided for your convenience. We have no control over the content of linked sites and accept no responsibility for them or any loss arising from your use of them.

9. Advertising

This Site may display advertisements from third-party advertising networks. We are not responsible for the content of these advertisements or the products/services advertised. Any transactions you enter into with advertisers are solely between you and the advertiser.

10. Limitation of Liability

To the fullest extent permitted by law, Shared Ownership Calculator shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

  • Your use of or inability to use the Site
  • Any errors or omissions in any content
  • Reliance on information or calculations provided by the Site
  • Unauthorized access to or alteration of your transmissions or data

11. Indemnification

You agree to indemnify and hold harmless Shared Ownership Calculator from any claims, damages, losses, or expenses arising from your use of the Site or violation of these terms.

12. Modifications

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

15. Contact

If you have any questions about these Terms, please contact us.