Stock finance calculator

Affordability calculator

Use our calculator to estimate how much money you need to buy your new home using shared ownership.

About the calculator

The calculator estimates your monthly mortgage and rent payments depending on your deposit and the percentage share you want to purchase.

Rent is calculated at 2.75% of the full market value of the remaining share. It does not include service charge or buildings insurance.

Average service charge

The average monthly service charge for a house is £45 and £80 for an apartment. (These are typical fees – your service charge will vary.)


This calculator is for illustrative purposes only and is not a mortgage offer. It gives you an idea of how much you could borrow.

The information is computer-generated and relies on assumptions. It is designed to give a useful indication of costs only.

Always seek a quote from a lender and double-check the price before acting on the information.

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