Joint mortgage with bad credit
Yes, you can get a joint mortgage if one applicant has bad credit. Lenders will assess both applicants, the type of credit issue and your overall affordability before making a decision.
How much can you borrow with a joint mortgage?
A joint mortgage could help you borrow more by combining your incomes, but lenders also look at your spending, deposit and credit history before deciding how much they’ll lend.
5% mortgages: buying with a smaller deposit
A 5% deposit mortgage could help you buy a home sooner. Learn how these deals work, who may qualify and what to check before applying.
How soon can you buy your first home?
Your first mortgage can feel easier to manage when you understand each stage, from your Agreement in Principle to application, offer, and completion.
Joint mortgages: how they work
Learn how a joint mortgage could help you buy together, from combining incomes to choosing ownership and planning for future changes.
Low deposit mortgages: buying with a smaller deposit
A clear, step-by-step guide to low deposit mortgages in the UK, including costs, risks, and how to decide if they fit your plans.
What type of mortgage do I need?
Choosing the right mortgage starts with knowing what each type does. Compare repayment methods, rate types and specialist routes before deciding which direction may suit your plans.
What to look for when buying your first home
Buying your first home is about more than finding a property you like. See what to check before you commit, from affordability and location to condition, costs and future plans.
First-time buyer schemes
First-time buyer schemes can help in different ways, from reducing the deposit you need to lowering the price you pay. Compare the main routes before you choose your next step.
How much can I afford as a first-time buyer?
Before you start viewing homes, it helps to know what you could borrow and what feels affordable month to month.