Joint Mortgage With Friends – FAQs

Buying a home with friends is becoming increasingly popular for people who want to get on the property ladder sooner, but lenders have very specific rules around income, eligibility and ownership structure. This FAQ section brings together clear, practical answers on how joint mortgages with friends work, how many people can apply, what lenders look for, and the legal steps you need to take before applying.

Use these FAQs to understand the key considerations before sharing a mortgage, from affordability checks to joint liability, cohabitation agreements and deposit contributions. If you need personalised advice, our team can guide you through lender options and help you structure the application correctly.