Buying Property With Friends

Our joint mortgage service for friends buying together

Share to buy first launched in 2004 with a proposition that, at the time, was regarded as radical: that friends who might otherwise be flatmates could take out a mortgage together. Since then, buying with friends has become an established route onto the property ladder for many first time buyers and we are proud to have helped thousands of people take out joint mortgages up and down the country. Our services:

• Exclusive mortgages for friends buying property together that are not available anywhere else, such as our fee-free Share to Buy Exclusive with Britannia that will take not just one or two, but three or four incomes into account.
• In addition, we have access to the whole of the market including the 'high street' names and specialist providers, and our focus on shared mortgages has given us the experience and knowledge of how different lenders will treat friends buying together.
• Finally, when you receive your mortgage offer we will provide the option of a free and comprehensive legal agreement to cover the key issues of joint ownership with friends, setting out important points such as each person's share in the property and what happens if one of the parties wishes to leave (for example, they can rent out their room). See below for information on our panel of solicitors with specialist knowledge of joint ownership and the issues surrounding joint mortgages between friends.

Next steps

If you have had an offer accepted on a specific property or are looking at properties in earnest you may wish to submit a no fee, no-obligation agreement in principle application to see how we could assist. Alternatively, if you have any queries on the legal side of buying with friends, such as what happens if someone wants to leave, or if you are already in a co-buying relationship and need legal advice, please contact our partner solicitors who specialise in joint ownership legal services. There is no charge for sending an initial query and no obligation to use our partner solicitor.

About Share to buy ltd – making housing affordable

Share to buy is dedicated to making affordable housing truly accessible online. At sharetobuy.com you can find affordable homes for sale and information on how to buy them. All the shared ownership properties we display come with a special budget tool to show you the potential monthly cost and required deposit. We also have an in-house mortgage team with huge experience in arranging mortgages for shared ownership including part buy part rent and shared equity, as well as joint mortgages for friends and family members. Finally, we are proud to offer our exclusive open market fee-free joint mortgages from Britannia. For all mortgages we arrange, we donate £10 towards helping homeless people. Register below to be kept up to date on our services, or explore our site using the Tools box beneath.

Shared Ownership Case Studies

Shared ownership in Northampton

Shared ownership in Islington, London