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Shared ownership rent review: what to expect and how to budget

Shared ownership rent is usually reviewed yearly and can increase. This post summarises GOV.UK’s rent review rules and simple budgeting steps.

Published: 10/03/2026 • Last verified: 10/03/2026

What GOV.UK says (high level)

GOV.UK notes that for shared ownership:

  • you pay rent on the landlord’s share
  • rent is usually reviewed yearly
  • rent may increase (and it will not go down)

It also explains that the cap on rent increases depends on the lease date, and may reference CPI or RPI-based formulas.

How to budget safely

  1. Use your offer/KID rent amount (or rent %) as the baseline.
  2. Run a “rent +3%” scenario and confirm you still have buffer.
  3. Stress-test your mortgage rate too (because your total monthly cost is mortgage + rent + service charge).
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