Calculate the costs of buying a shared ownership property including mortgage, rent, and service charge.
Total Monthly Cost
£1,146.12
£13,753 per year
Your Share
£120,000
HA Share
£180,000
Mortgage
£583.62
Rent
£412.50
Service Charge
£150.00
Shared ownership helps people who cannot afford to buy outright get on the property ladder. You buy a share and pay rent on the rest. It is important to understand all the costs involved.
Property decisions are among the biggest financial commitments you will make. You may also find our Mortgage Calculator useful for related calculations.
For a broader view of your finances, try the Mortgage Overpayment Calculator or the Compound Interest Savings Calculator. All of our calculators are free to use and updated for the 2026/27 tax year where applicable.
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