Shared Ownership Staircasing Calculator
Calculate the cost of buying additional shares in your shared ownership home and see how your monthly payments will change.
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Staircasing Results
Ownership Breakdown
Monthly Cost Comparison
About Staircasing
Staircasing is buying additional shares in your shared ownership home. As you increase ownership, rent on the housing association's share decreases. At 100%, you own outright and pay no rent.
You'll need a RICS valuation (£300–£500) plus solicitor fees (£1,000–£1,500). Some housing associations require a minimum 10% purchase per transaction.
Detailed Staircasing Insights
Ownership at a Glance
Staircasing Steps Comparison
Compare the cost of staircasing to different ownership levels from your current share.
Monthly Costs: Before vs After
See how your total monthly housing costs change after staircasing.
Rent vs Buy More: 10 Year View
Compare the total cost of continuing to rent vs staircasing now over the next 10 years.
Path to Full Ownership
The total cost of staircasing from your current share all the way to 100%.
Key Things to Know
Thinking of Moving Instead?
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Plan Your Finances
Use our free tools to help plan your staircasing or next move.