Joint Mortgages Mortgages
Two incomes usually stretch to a bigger loan. Agree who owns what before you buy, not after.
Why joint mortgages?
A joint mortgage lets two or more people buy a property together and pool their incomes, which usually means you can borrow more than either of you could on your own. Buying with a partner, a friend or a family member can bring a home within reach that would sit out of budget for one buyer alone. Our [borrowing calculator](/calculators/borrow-amount) shows roughly how much you could borrow together.
A joint mortgage also throws up questions a solo purchase never does. You will need to decide how the property is owned, what happens if one of you wants to sell, and how each person’s share is protected. Sorting these out before you buy saves a lot of grief if your circumstances shift later on.
At Clearview Mortgage Solutions, we guide joint applicants through the application and introduce them to solicitors who can advise on how the property should be held. We compare joint mortgage deals across 90+ UK lenders to find the rates and terms that suit your combined circumstances.
Key facts
90+
UK lenders compared
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Free
Initial consultation
CeMAP
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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 let a family member support your application without going 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. Most lenders will consider a joint mortgage between friends or other unrelated people buying together. It is well worth setting up a tenants in common ownership structure and having a solicitor draw up a deed of trust. That spells out each person’s share and what happens if your circumstances change, which protects you both.
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.
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