Joint mortgage
Mortgages & secured lendingA mortgage taken out by two or more people together.
Overview
All borrowers are responsible for the full repayments.
Joint mortgages link credit files through a financial association.
Why it matters
- It can increase borrowing power.
- It links your credit to the other borrower.
- Missed payments affect everyone on the mortgage.
FAQs
Does a joint mortgage affect my credit score?
Yes. The account appears on your credit file and links you to the co-borrower.
Can I remove a name from a joint mortgage?
Only if the lender agrees and affordability checks pass.
Related terms
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