Passive Partnerships
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Below the 20% minimum & top-up

As part of the process of protecting the value of the Passive Owner, the Resident Owner must maintain at least 20% ownership. If the Ownership register shows ownership is close to this, the Passive Partnership Administrator can request an independent valuation to confirm whether that is the case. If the Resident Owner's ownership is below 20%, this calculator shows how additional top-up payments are calculated. This valuation-and-top-up safeguard is part of why default risk is so low here.

Below the 20% minimum — what top-up is required?

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Position after revaluation

If the Resident Owner's share falls below the minimum, they have (by default) up to 5 years to restore it — via a lump sum, regular top-up payments, or by improving the property and getting a new valuation.

Where to next — two calculators most worth a look Ownership register →Understand how the ownership register is updated each quarter Equity: home loan vs PP →See how your equity holds up over a year — and why PP never goes into negative equity See all calculators →The full set — seven interactive models, every figure editable