Shared Ownership Affordability Calculator

Not sure what you can afford to buy with Shared Ownership? Our calculator will help you work out the costs so you can get a better idea of what you can afford.

Simply type in a full market value of the home you are looking to buy, set the share percentage to the amount you'd like to own, add your deposit amount and the calculator will show you indicative monthly costs for buying and owning that home with Shared Ownership. You can also check how those costs will be affected by changes in the mortgage interest rate by using the slider to alter the mortgage rate used for the calculator.

Property market value (£) Mortgage term Your share value (£) Share percentage 50 Deposit amount (£) 7500
Mortgage rate (%) 6

Your results

Mortgage cost:

Rent amount:

Total monthly cost:

Disclaimer The figures and estimates shown in this calculator should not be relied on as confirmation of affordability and should only be used as an indicative guide to monthly costs. The monthly rental cost is based on 2.75% on the retained equity (this figure is subject to change). This will usually increase by the annual rate of RPI. The monthly mortgage cost is based on a Variable Rate Mortgage at 6% over a 25-year repayment loan. Other costs will apply such as service charge. Sempra is not authorised or regulated by the Financial Conduct Authority to provide financial advice. You should always seek advice and recommendations from an independent financial advisor regarding mortgage products, affordability, interest rates, repayment methods and terms and conditions. You should also seek independent legal advice. Your home may be repossessed if you do not keep up payments on a mortgage or any other loan secured against it.