Property Value
Interest Rate
Share to Purchase (%)
Repayment Period (Years)
Compounding Monthly Term
Repayment Period (Months)


How does the shared ownership calculator work

This calculator will give you an indication of the repayments and mortgage deposit you will need for a Shared Ownership or Co ownership home.

You will need to input the percentage of share you which to own and accordingly the mortgage amount will be calculated.

We have assumed 10% of the share of purchase amount as the minimum mortgage deposit.

The Monthly rental payment is assumed as 2.75% of retained equity which you do not own.

The hare of purchase is the share of purchase per cent times the property value.

The mortgage amount is the amount you need to borrow from a mortgage lender.

The total monthly cost is the total of the mortgage repayment and rental payment.

If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.

You can also contact the debt charity “Step Change” if you are in debt and need help.

John has 22 years of experience in financial services. This spans across financial research, financial services (As a qualified mortgage broker and underwriter), financial trading and sales at global investment banks. While working as a publishing research analyst, he covered European bank credit and advised institutional clients on investment strategies at both JP Morgan and Societe Generale. John has passed all three levels of the CFA (Chartered Financial Analyst) programme.