• Joint Mortgages
• Joint Remortgage Quote
• Joint Mortgage Quote

Loan Calculator
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Loan Term:	1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years
Interest Rate (APR):	5% 5.2% 5.4% 5.6% 5.8% 6% 6.2% 6.4% 6.6% 6.8% 7% 7.2% 7.4% 7.6% 7.8% 8% 8.2% 8.4% 8.6% 8.8% 9% 9.2% 9.4% 9.6% 9.8% 10% 10.2% 10.4% 10.6% 10.8% 11% 11.2% 11.4% 11.6% 11.8% 12% 12.2% 12.4% 12.6% 12.8% 13% 13.2% 13.4% 13.6% 13.8% 14% 14.2% 14.4% 14.6% 14.8% 15%
Monthly Payment:

• Advantages of a Joint Mortgage

Joint Mortgages

If you are looking for a joint mortgage to help you get onto the housing ladder, then you've found the right place. We will search our panel of lenders to quickly find you the most suitable joint mortgage offer to suit you. Each mortgage quote is free and there is no-obligation to accept it.

What is a joint mortgage?

Property prices are always on the increase and more and more people are finding it harder to save up a deposit, or indeed earn enough money to borrow the amount they need in order to buy. A joint mortgage is one way to borrow enough money to buy your very first property. It is a way of combining 2 or more incomes in order to afford a mortgage and the repayments.

Who can get a joint mortgage?

It is extremely common nowadays to find people applying for a joint mortgage. You could be applying for a joint mortgage by the traditional route and buying a house jointly with your husband or wife, buying with the partner you currently co-habit with or you could be joining forces with a friend or family member to raise enough finance so you can afford your first mortgage.

How much can I borrow with a joint mortgage?

It varies depending on what your combined incomes add up to and how much deposit you have saved towards the purchase. Most lenders will be able to offer a mortgage which covers 75%-100% of the property's value. Obviously the less you borrow, or the bigger the deposit, the lower your monthly repayments will be and the less interest you will pay overall. Lenders have different criteria, but many will multiply your combined salaries by 2.5 to 3.5 times. So if you and your partner earn a total income of £50,000 you could be eligible to borrow between £125,000 and £175,000.

Do I have to have a deposit for a joint mortgage?

If you have found the house or flat you want to purchase, you will need to find a mortgage lender to provide you with the finance to buy. Hopefully you have found a way to save up an initial deposit. This could be anywhere from 5% to 50% of the property value. Some lenders will even offer a 100% mortgage to those who have been unable to save a deposit in time, but you may be charged a higher interest rate for this service.