| Friends | Families | Shared Ownership |
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Buying Property With Family
Our track record
Since launching share to buy in 2004, we have helped hundreds of people to buy with family members right across the UK. These have included non-residing parents acting as a guarantor for a son or daughter; entire families clubbing together to buy a property for them all to live in; brothers and sisters taking out a joint mortgage; offspring buying shares in their parents' home and even children helping their parents on to the property ladder. Just look at some of our case studies:
Case studies of buying property with family
How we could help you
- We do not charge a fee at any point and have access to the whole of the market.
- We provide a free legal agreement covering key issues such as shares in the property. This is optional but is well worth considering for documenting the major points of your arrangement.
- Most importantly, we have built up considerable experience of the various schemes available for parent/offspring mortgages. We have a valuable understanding of key lending policy decisions at the main mortgage providers that we can use to your advantage. For example, in many cases of shared mortgages for family members, retirement age can be an issue and lending policy varies considerably between the main mortgage lenders.
Next Steps
See how much you can borrow on our mortgage calculator or request a family mortgage illustration. Alternatively, use the mortgage tools at the bottom of the page or use the following links to read important information on the legal and financial issues involved in sharing a joint mortgage with family members.
Further Reading
Mortgage Tools
- Mortgage calculator – see how much you could borrow alone or as a couple, with friends, family or on a shared ownership mortgage. A basic estimate.
- Mortgage illustration – you submit summary details for each applicant and a member of our team will reply with an estimate of your mortgage potential and provide an indication of likely repayments.
- Agreement in principle – you provide detailed personal information and we respond with detailed illustrations for a choice of specific mortgage products currently available in the market. If you like one of the products, you can then request a non-binding decision from the lender confirming whether they would agree in principle to lend you that amount, subject to valuation and income verification. This can be very useful to prove to a vendor or housing association that you are able to purchase a property.
Mortgage Information
- House Buying Process – including details of how to apply.
call us today
0845 686 0812
or email us with a time to call you
Calls charged at local rate.
Office hours 9am-5.30pm.
Looking for a co-buyer?
Find out about our co-buying events
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