Category: shared (1)

Prospective buyers considering shared ownership can now take advantage of a powerful new calculator, enabling them to work out the total cost of purchasing a share of their property over the full mortgage term, not just the first year.

Crucially, the Shared Ownership Calculator also enables users to effortlessly ‘stress test’ their borrowing against future rent and interest rate rises, or service charge changes — even letting them drill down into individual years to see the full monthly impact.

The ability to ‘staircase’ to 100% ownership of a property is integral to shared ownership’s appeal, but to date stair casing calculators have simply provided a Yes/No estimate of whether purchasing an additional share is affordable.


The Shared Ownership Calculator enables users to see the full financial cost of stair casing multiple times and at any point in a mortgage, helping them to plan a strategy to reach their full ownership goal.

The new tool has been launched at a time when more people are now eligible for shared ownership following the raising of the income limits to £90,000 for London and £80,000 for elsewhere in the UK.
Before there wasn’t any tools available to help give people a stress-less test to maintain payments when circumstances change in the future, which they invariably do.

With certain other calculators, the ‘What ifs’ and potential risks facing borrowers seemed to be an afterthought rather than something that’s integral to the purchase process. With house prices still very high in certain areas of the country and income limits also recently increased, shared ownership is only likely to gain in popularity. Hopefully this calculator will help people to better understand the full financial impact and risks before they commit.

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