Shared Ownership Calculator: Me & Someone Else

Shared Ownership Calculator 2 People

1About You - Person 1

2Employment - Person 1

3Employed Income - Person 1

4Self Employed Income - Person 1

5Retired Income - Person 1

6Outgoings - Person 1

7About You - Person 2

8Employment - Person 2

9Employed Income - Person 2

10Self Employed Income - Person 2

11Retired Income - Person 2

12Outgoings - Person 2

13Property & Loan Inputs

14Final Declarations

15Results

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/your-details.webp

Your Details

Lets start off with a bit of info about you. This helps us get to know you...

Client 1 - Personal Details

Title

Full Name

First Last

Date Of Birth

MM slash DD slash YYYY

Gender

Marital Status

Email Address

Phone

Are you a smoker?

Current Address

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Date Moved In

MM slash DD slash YYYY

Current Living Situation

Residential Status

Are you a First Time Buyer?

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/employment.webp

Your Employment

Your employment status dictates how lenders assess your income. Whether you are employed, self-employed, or retired changes the criteria used to calculate your borrowing potential.

Client 1 - Income & Employment

Client Employment Status

Client 1 - Employed

Occupation

Annual Salary (C19)

Intended Retirement Age

Commission/Overtime (C20)

Bonus

None Taxable Income:

UC, WTC, CTC CB (C25 - Annual)

Maintenance

Other (C27 - Annual)

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/income.webp

Your Income

Accurate income figures are crucial. Lenders use your gross (pre-tax) salary and sustainable additional income (like bonuses or overtime) to calculate your maximum borrowing capacity.

Client 1 - Self Employed

Are You A Business Owner?

% Owned

Occupation

Client 1 Intended Retirement Age

How Do You Pay Yourself

Annual Salary & Dividends

Annual Salary & Net Profit

Annual Salary & Dividends (Combined)(Required)

Annual Salary & Net Profit (Combined)(Required)

Maintenance (C26 - Annual)

UC, WTC, CTC CB (C25 - Annual)

Bonus (C21)

Other (C27 - Annual)

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/income.webp

Your Income

Accurate income figures are crucial. Lenders use your gross (pre-tax) salary and sustainable additional income (like bonuses or overtime) to calculate your maximum borrowing capacity.

Client 1 - Retired / Not Working

Maintenance (C26 - Annual)

UC, WTC, CTC CB (C25 - Annual)

Other (C27 - Annual)

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/outgoings.webp

Monthly Outgoings

Affordability isn't just about what you earn; it's about what you keep. Please list your committed monthly expenditures, such as loans, credit cards, and childcare, so we can calculate your true disposable income.

Client 1 - Outgoings (Monthly)

Monthly Pension Contribution (N17)

Student Loan (N19 - Monthly)

This field is hidden when viewing the form

Student Loan Outstanding Balance

This field is hidden when viewing the form

Student Loan Months Remaining

Childcare Costs (N28 - Monthly)

Car Loan or Lease (N34 - Monthly)

CC Min Payment (N39 - Monthly Total)

Loans (N40 - Monthly Total)

Any Other Fixed Costs (N18)

Any Other Expenses (N21)

Council Tax (N22)

Furniture Rental (N23)

TV License (N24)

Gas (N25)

Electricity (N26))

Water (N27)

Maintenance (Paid) (N29)

Public Transport (N30)

Car Insurance and Fuel (N31)

Road Tax (N32)

MOT (N33)

Contents Insurance (N35)

Mobile (N36)

Hobbies/Going Out (N37)

Food and HouseKeeping (N38)

This field is hidden when viewing the form

Monthly Amount spent on Holidays

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Monthly Protection Budget

This field is hidden when viewing the form

Other Monthly Luxuries

Client 2 - Personal Details

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/your-details.webp

Your Details

Lets start off with a bit of info about you. This helps us get to know you...

Title

Full Name

First Last

Date Of Birth

MM slash DD slash YYYY

Gender

Marital Status

Email Address

Phone

Are you a smoker?

Current Address

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Date Moved In

MM slash DD slash YYYY

Current Living Situation

Residential Status

Are you a First Time Buyer?

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/employment.webp

Your Employment

Your employment status dictates how lenders assess your income. Whether you are employed, self-employed, or retired changes the criteria used to calculate your borrowing potential.

Client 2 - Income & Employment

Client 2 Employment Status

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/income.webp

Your Income

Accurate income figures are crucial. Lenders use your gross (pre-tax) salary and sustainable additional income (like bonuses or overtime) to calculate your maximum borrowing capacity.

Client 2 - Employed

Client 2 occupation

Annual Salary (C19)

Client 2 Intended Retirement Age

Client 2 Commission/Overtime (C20)

Client 2 Bonus

Non Taxable Income

Client 2 UC, WTC, CTC CB (C25 - Annual)

Client 2 Maintenance (C26 - Annual)

Client 2 Other (C27 - Annual)

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/income.webp

Your Income

Accurate income figures are crucial. Lenders use your gross (pre-tax) salary and sustainable additional income (like bonuses or overtime) to calculate your maximum borrowing capacity.

Client 2 - Self Employed

Are You A Business Owner?

% Owned

Occupation

Client 2 Intended Retirement Age

How Do You Pay Yourself

Annual Salary & Dividends

Annual Salary & Net Profit

Annual Salary & Dividends (Combined)

Annual Salary & Net Profit (Combined)

Maintenance (C26 - Annual)

UC, WTC, CTC CB (C25 - Annual)

Bonus (C21)

Other (C27 - Annual)

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/income.webp

Your Income

Accurate income figures are crucial. Lenders use your gross (pre-tax) salary and sustainable additional income (like bonuses or overtime) to calculate your maximum borrowing capacity.

Client 2 - Retired / Not Working

Maintenance (C26 - Annual)

UC, WTC, CTC CB (C25 - Annual)

Other (C27 - Annual)

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/outgoings.webp

Monthly Outgoings

Client 2 - Outgoings (Monthly)

Monthly Pension Contribution (N17)

Student Loan (N19 - Monthly)

This field is hidden when viewing the form

Student Loan Outstanding Balance

This field is hidden when viewing the form

Student Loan Months Remaining

Childcare Costs (N28 - Monthly)

Car Loan or Lease (N34 - Monthly)

CC Min Payment (N39 - Monthly Total)

Loans (N40 - Monthly Total)

Any Other Fixed Costs (N18)

Any Other Expenses (N21)

Council Tax (N22)

Furniture Rental (N23)

TV License (N24)

Gas (N25)

Electricity (N26))

Water (N27)

Maintenance (Paid) (N29)

Public Transport (N30)

Car Insurance and Fuel (N31)

Road Tax (N32)

MOT (N33)

Contents Insurance (N35)

Mobile (N36)

Hobbies/Going Out (N37)

Food and HouseKeeping (N38)

This field is hidden when viewing the form

Monthly Amount spent on Holidays

This field is hidden when viewing the form

Monthly Protection Budget

This field is hidden when viewing the form

Other Monthly Luxuries

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/Final-declarations.webp

Final Checks

We're almost done. We just need to understand your financial history and mortgage preferences. Details like adverse credit or specific repayment goals can influence which lenders will accept your application.

Property & Loan Inputs

Purchase Price (Full Market Value)

% Share to be Purchased

Mortgage Rate to be used (%)

Term of Mortgage (Years)

Amount of Deposit

New Monthly Service Charge

RPI/CPI (+1 or +0.5) to be used for stressed rent

Minimum Surplus Income Policy (%)

Development Site Name

Plot Number (if known

Is this a New Build?

Source of Deposit

https://mvwebdev2.co.uk/wp-content/uploads/2025/12/Final-declarations.webp

Final Checks

Final Declarations

Do you have any Adverse Credit?

Are you Consolidating Debt?

What is most important to you?

Pay off mortgage before retirement?

Pay off mortgage before full term?

Initial Disclosure Declaration (IDD)

I confirm I have read and agree to the Initial Disclosure Declaration.

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Your Results

Based on the information provided, here is your affordability breakdown. This summary indicates whether the share purchase you have proposed fits within standard lender sustainability guidelines.

Results

Client 1: Total Earned Income (C22)

Client 1: Total Unearned Income (C29)

Client 1: Gross Income (E2)

Client 1: Taxable Income (F31)

Client 1: Income Tax (K48)

Client 1: National Insurance (J56)

Client 1: Gross Deductions (E3)

Client 1: Commitments (E4)

Client 1: Essential Costs (G8)

Client 1: Net Income (Annual) (E6)

Client 2: Total Earned Income (C22)

Client 2: Total Unearned Income (C29)

Client 2: Gross Income (I2)

Client 2: Taxable Income (F31)

Client 2: Income Tax (K48)

Client 2: National Insurance (J56)

Client 2: Gross Deductions (I3)

Client 2: Commitments (I4)

Client 2: Essential Costs (M8)

Client 2: Net Income (Annual) (I6)

Annual Housing Costs (Shared) (E5)

Purchase Price of Share (G5)

Loan Amount (B12)

New Monthly Mortgage Payment (B14)

New Monthly Rent 2.75% (B16)

New Monthly Stressed Rent (G16)

Total Monthly Mortgage Costs (B30)

Client 1 Net Monthly Income (B25)

Client 2 Net Monthly Income (G25)

Combined Net Monthly Income (B33)

Additional Essential Costs (B36)

Minimum Surplus Income Required (G30)

Surplus Available (G32)

Monthly Costs as a % of Net Income (G35)

Affordability Decision

Expert Advisers

Happy Customers

Accurate Results

Quick & Easy

Shared Ownership Calculator: Me & Someone Else

Shared Ownership Calculator 2 People

Client 1 - Personal Details

Client 1 - Income & Employment

Client 1 - Employed

None Taxable Income:

Client 1 - Self Employed

Client 1 - Retired / Not Working

Client 1 - Outgoings (Monthly)

Client 2 - Personal Details

Client 2 - Income & Employment

Client 2 - Employed

Non Taxable Income

Client 2 - Self Employed

Client 2 - Retired / Not Working

Client 2 - Outgoings (Monthly)

Property & Loan Inputs

Final Declarations

Results

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