6 articles tagged with Joint Mortgage.
Unmarried couples in England and Wales have no automatic legal rights over each other's property, unlike married couples or civil partners. A cohabitation agreement sets out ownership shares and what happens if you split up.
How lenders assess joint mortgage affordability for cohabiting, unmarried couples, and what protections you need in place given the lack of automatic legal rights on separation.
Should a couple apply for a UK mortgage jointly or in one name only in 2026/27? Affordability, ownership, credit history, and Stamp Duty implications compared.
Unmarried couples buying together face the same affordability tests as married couples — but none of the legal protections. Worked examples and how to protect your share.
Two incomes totalling £90,000 (e.g. £50,000 and £40,000) typically borrow around £405,000 in 2026. How joint applications work, combined take-home pay and a worked example.
Most lenders will offer 4-4.5x salary, meaning you need £66,667-£75,000 to borrow £300k alone. Joint applications, higher deposits and stress-test rates all affect the answer.
