Tools & calculators

Whether you're just starting to explore shared ownership or you're already a co-owner thinking about buying more of your home, we've pulled together all our tools and calculators here to help you at every step of your journey.

Our tools are designed to give you a clearer picture of what's possible, so you can make decisions with confidence. They're straightforward to use, free, and available whenever you need them.

Starting out

If you're new to Co-Ownership, the best place to begin is our eligibility checker. It gives you a quick sense of whether Co-Own or Co-Own for Over 55s could be right for you, before you commit to a full application.

Once you know you're eligible, our affordability calculator helps you work out how much of a share you could afford, based on your income, savings or equity, and outgoings. Our repayments calculator then shows you what your monthly costs might look like, including your mortgage on your share and the rent you'd pay on ours. 

Planning your budget

Our budget planner helps you take a closer look at your monthly income and outgoings, so you can see where you stand financially and feel prepared before you apply.

Ready to buy more of your home?

If you're already a co-owner and you're thinking about increasing your share, our buying out calculator is a helpful guide to how much it might cost you. You can try different amounts and figures to get a clearer sense of what moving towards full ownership could look like for you cost-wise.

Understanding our criteria

Not sure if the home you've found meets our requirements, or want to check whether you qualify? Our applicant criteria and property criteria pages set out everything you need to know.