Joint Mortgages
Applying with someone else can boost your borrowing power. We have advisors who specialise in joint mortgages and can help you find the right deal.
What is a joint mortgage?
A joint mortgage allows two or more people to buy a property together. This could be a partner, family member, or even a friend. By combining incomes, you may be able to borrow more than you could alone, and it can make buying a home more affordable.
There are two main ways to own a property with a joint mortgage. As joint tenants, you both own the whole property equally. As tenants in common, you each own a share, which can be divided however you agree. Lenders will also assess your combined income, outgoings, and credit histories before deciding how much you can borrow.
At Online Mortgage Advisor, our specialists understand the options available with joint mortgages. They will explain how ownership works, what lenders look for, and the steps you can take to improve your chances of approval.
Check your affordability
Use our calculator to see how much you could borrow by combining incomes.
Read our guides
Browse our joint mortgage guides to understand how ownership works, what lenders require, and how affordability is assessed.
Compare joint mortgage deals
Use our comparison tool to check the latest joint mortgage products across the market.
Speak to an expert
Get matched with an advisor who specialises in joint mortgages and knows which lenders are most likely to say yes.
Our advisors know how lenders assess joint applications and can help you secure the right deal. Make an enquiry today.
Our Guides
Expert mortgage guidance tailored for joint applicants.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
No, a joint mortgage can be split 50/50 or it can be split 75/25 if you wish. It’s up to you and the person you’re buying the property with on how to split the mortgage between you.
Yes, even if you move out, you’re still responsible for payments if your name is on the mortgage.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates. They understand lender criteria, manage the paperwork, and know how to get complex cases approved.
With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We match you with specialists who excel in situations like yours.
Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation. If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
Customer Success Stories
Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.