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Buying with someone?

Joint mortgages

Buying a home together

A joint mortgage is one of the most common ways to buy a property together, as it allows two (or sometimes more) people to take out a mortgage to buy a property.

NatWest only provides joint mortgages for two people.

Things to think about

The pros

Buying with someone else can be a good way to get on the property ladder quicker than if you were buying alone

You'll be able to combine your savings and have a bigger deposit

You can split home buying costs such as stamp duty and legal fees, as well as household bills.

The cons

You'll need to decide on the best way to set up your joint mortgage legally

You need to think about what happens if one of you defaults on the mortgage as in many cases you could both be responsible for any missed repayments

It's important to buy a property with someone you trust to protect against this kind of situation. 

Leaving a joint mortgage

If your circumstances change and you decide you want to leave a joint mortgage, the first thing to do is contact your lender to discuss the options available to you.

You can get more detail on the options available to you from the Money Advice Service.

Find the deal for you

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Compare our rates and repayments

Look at the mortgage rates we offer and the monthly repayments to see what could work for your joint mortgage.
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When you have a property in mind

See how much we could lend you with an Agreement in Principle. It won't affect your credit score as we use a soft credit check.

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