Shared Ownership Mortgage Calculator
Found a shared ownership home? Enter the price, the share you are buying, your deposit, the rent and the service charge, and see what 32 lenders would lend on your share. It is a shared ownership affordability calculator that counts the rent and service charge the way lenders count them.
Lender criteria last reviewed September 2026. No credit search.
Check My Shared Ownership BorrowingWhat the tool does that a standard calculator cannot
Works from your share
Share value and loan are derived from the full price and the percentage you are buying. Loan-to-value is measured against the share.
Counts rent and service charge
Both are deducted as committed spending at every lender, so the number you see is the one an underwriter would reach.
Only lenders that do shared ownership
32 of the 58 lenders we check lend on shared ownership purchases. Each is capped at its own maximum loan-to-value of the share.
What you will need
- The full purchase price of the home
- The share you are buying (usually 10% to 75%)
- Your deposit — on the share, not the full price
- The monthly rent on the unsold share
- The monthly service charge
- Your income and any credit commitments
All five property figures are on the housing association’s listing or Key Information Document. Not sure how the two-stage assessment works? Read the shared ownership affordability guide.
Frequently asked questions
Is this the Homes England affordability calculator?
No. Housing associations run the Homes England model to set the share you should buy. This tool shows what mortgage lenders would actually lend on that share, with your rent and service charge counted. If the Homes England figures come out tight, an adviser can usually explain the case to the housing association, so treat them as a guide rather than a pass or fail.
Why does a shared ownership calculator need the rent and service charge?
Lenders treat rent on the unsold share and the service charge as committed spending and deduct them before working out your maximum loan. Leaving them out overstates what you can borrow, which is the most common mistake in shared ownership affordability.
How is the loan worked out?
Share value = full price × share percentage. Mortgage = share value − deposit. Your loan-to-value is measured against the share, not the full price, and each lender caps it at its own maximum, usually 90% or 95% of the share.
Do all lenders offer shared ownership mortgages?
No. Of the 58 residential lenders we check, 32 lend on shared ownership purchases. Some only lend when you staircase to 100%, and some do not lend in Scotland, Wales or Northern Ireland. The tool leaves those out automatically.
Does it run a credit check?
No. It uses lenders' own published affordability calculators and criteria, with no credit search and no application.
Results are indicative and based on lenders’ published calculators. They are not a mortgage offer or advice.
See what you could borrow on your share
Free, two minutes, no credit search.
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