| Friends | Families | Shared Ownership |
In association with:
Britannia Building Society
Notting Hill Housing
Buying Property With Friends
"Rocketing property values have priced most young, single people out of the housing market. But now they can get a foot on the property ladder by clubbing together to get a mortgage."
[Metro, August 11th 2004]
Our track record
Share to buy launched in 2004 with a unique proposition: a mortgage for friends including a free legal agreement covering the key issues of joint ownership, with no brokers' fees charged. Since then, we have helped hundreds of friends club together right across the UK. Here are some of our case studies.
Case studies of friends buying together
How we could help you
If you are clubbing together with friends to buy your first home, the share to buy package offers a tailored service from staff who have considerable experience of dealing with shared mortgages. Specifically, we offer:
- Exclusive mortgages for friends buying property together that are not available anywhere else, such as our Share to Buy Exclusive with Britannia Building Society 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.
- We provide 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.
- For all of the above we do not charge a fee at any point - we know that it can be hard enough for first time buyers raising the money to buy a house!
Next Steps
See how much you can borrow on our mortgage calculator for friends buying together. Alternatively, use the mortgage tools at the bottom of the page or use the following links to find out more about taking out a share to buy mortgage with friends.
Further Reading
- Case studies
- Worked example, including some of the 'what ifs' surrounding buying with friends.
- The free legal agreement, covering your shares in the property and what happens if, for example, someone wants to leave.
- Key issues in Joint Ownership with friends
- Guide to the application and house buying process
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 271 0890
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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