Estimates only. The extra share is priced at current market value (set by a RICS valuation); add valuation, legal and any mortgage costs. The rent figure uses the rate you enter applied to the landlord's remaining share — your lease sets the actual rent and usually reviews it each year.
Staircasing is buying more shares in your Shared Ownership home. The cost of the extra share is its share of the current market value — so if your home is worth more than when you bought, the extra share costs more. As your share goes up, the rent you pay on the landlord's remaining share goes down; reach 100% (where your lease allows) and the rent stops.
Most landlords charge 2.75% of the value of their share per year in rent (gov.uk). If you bought on or after 1 April 2021 you may also be able to buy 1% shares a year for the first 15 years. For the full picture see our guide to staircasing costs and stamp duty.
In a Designated Protected Area — mostly small rural settlements — your lease may cap staircasing at 80% or require you to sell back to the landlord, so you can't always reach 100%. Check an address or postcode to see if a home is affected, and read the 80% cap explained.
Accurate as of June 2026.
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