The brochure shows you the mortgage. It doesn't add up the rent on the bit you don't own, the service charge and the ground rent. This does — the honest all-in number — then helps you judge whether it's right for you. For some people it genuinely is.
🔑 Free · built by a UK chartered surveyor (MRICS) · on the buyer's side
The home & your share
The price of 100% of the property, not just your share.
Deposit on your share.
The costs
Usually 2.75% of the value of the share you don't own (sometimes up to 3%). This normally rises each year.
Often £0 on newer leases.
Compare with renting the honest test
Roughly what it'd cost to just rent a home like this. Leave 0 to skip the comparison.
Your true monthly cost
—
Mortgage + rent + service charge + ground rent
Shared ownership vs renting
What each actually costs you a month.
The honest read
—
Fill in your numbers to see the honest picture.
What you actually own—
Go in with your eyes open
In plain English—
Save this reality check
We'll email you the tools for the next step — whichever way you decide to go.
No spam. No selling your data. Unsubscribe anytime.
Built by a UK chartered surveyor (MRICS). Free, and only ever on the buyer's side.
This is information to help you weigh shared ownership — not financial or legal advice. Costs, rent uplifts, service charges and lease terms vary by scheme and provider; always check the specific lease and key information documents. Shared ownership is genuinely right for some people and wrong for others — this helps you tell which you are.