Joint Mortgages Mortgages
Two incomes let you borrow significantly more — get the ownership structure right from day one.
Why joint mortgages?
A joint mortgage allows two or more people to buy a property together, combining their incomes to borrow more than they could individually. Whether you are buying with a partner, a friend, or a family member, a joint mortgage can make homeownership more affordable and accessible by pooling your financial resources. Check our [borrowing calculator](/calculators/borrow-amount) to see how much you could borrow together.
Joint mortgages come with important legal and financial considerations. You need to decide how ownership is structured, what happens if one party wants to sell, and how you protect each person’s investment. Getting these decisions right from the start can prevent costly disputes later.
At Clearview Mortgage Solutions, we help joint applicants navigate the mortgage process and connect them with solicitors who can advise on the legal ownership structure. We compare joint mortgage deals across 90+ UK lenders to find the best rates and terms for your combined circumstances.
Key facts
90+
UK lenders compared
FCA
Regulated advice
Free
Initial consultation
CeMAP
Qualified advisers
Your next moves.
The shortest path from where you are to a real mortgage offer.
Estimate your monthly cost and how much you could borrow with our joint mortgages calculator.
Open calculatorRun the numbers.
Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Joint Mortgages mortgages
A guide to joint mortgages
Everything you need to know about buying a property with someone else, from how joint mortgages work to choosing the right ownership structure.
ReadJoint borrower sole proprietor mortgages
How JBSP mortgages work, allowing a family member to support your application without being on the property deeds.
ReadSeparating a joint mortgage
What happens to a joint mortgage when you separate from your partner, and how to remove someone from a joint mortgage.
Read
Frequently asked.
Yes, you can get a joint mortgage with a friend. Most lenders will consider applications from unrelated parties buying together. However, it is strongly recommended that you set up a tenants in common ownership structure and have a deed of trust drawn up by a solicitor. This protects both parties by clearly defining each person’s share and what happens if circumstances change.
Talk to a specialist.
joint mortgages mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
No-obligation chat
Book a call — we'll discuss your situation and what you're trying to achieve, no commitment.
Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.