Shared Ownership Calculator (UK)
Shared Ownership lets you buy 25–75% of a home with a mortgage and pay subsidised rent on the rest. See your true monthly cost — mortgage, rent and service charge — in one number.
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Rent on the unowned share is typically 2.75% per year for new 2026/27 schemes. On a £300,000 home with a 40% share, your mortgage is on the £120,000 share but you also pay roughly £450/month rent on the £180,000 you don't yet own.
Service charges on leasehold flats typically run £100–£300/month and cover buildings insurance, communal maintenance and a sinking fund. Always read the latest service charge schedule and ground rent terms before committing.
Your Shared Ownership purchase
Is Shared Ownership actually cheaper?
On monthly cost, yes — Shared Ownership often beats a 100% mortgage by £200–£500/month because your mortgage is much smaller. The trade-off: you only build equity on your share, and staircasing costs more each round as the property's value rises.
It's most useful when you can't afford a deposit on a 100% mortgage in your area. If you can stretch to a normal 90–95% LTV mortgage, that usually wins over the long run — but Shared Ownership gets you on the ladder years sooner.
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