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Affordability Calculator

Shared Ownership Affordability Calculator

To find out if you fit the affordability criteria and to see how much a mortgage might cost based on today's product rates you can use a handy, online mortgage calculator at Share to Buy.

The Share to Buy calculator uses information from Shared Ownership mortgage lenders to estimate:

  • How much the mortgage you are seeking is likely to cost per month
  • Whether you could realistically pass an affordability assessment

Naturally, there are important caveats which are explained when the calculator results are generated.

The calculator can be found using the following link:

Share to Buy Mortgage Calculator


Looking at a Shared Ownership Mortgage?

The calculator estimates how much a Shared Ownership mortgage might cost you, and also whether the amount you are seeking to borrow is affordable to you. The Share to Buy calculator is separate from lenders` own affordability assessments and is not linked at all to the HCA`s affordability calculator that housing associations like us will use to asses you - such assessments are carried out when you are nearer to actually buying.

This calculator provides an indicative mortgage level to be used for guidance only. It is not specific to any development, plot or scheme and is a simple calculation to provide information on what mortgage level you should be trying to achieve.