What is a joint mortgage?
A joint mortgage is a mortgage that allows two people to buy and own a property together.
You'll most likely take out a joint mortgage if you're buying a property with a partner, spouse, friend or family member. Both owners will share equal responsibility for making the mortgage repayments. It’s important you trust the person you're applying for a joint mortgage with, and you know they'll be able to pay their share.
Can I use a joint mortgage calculator?
Yes, you can find out how much you may be able to borrow and what your monthly repayments could be with our mortgage calculator, it takes less than 5 minutes and is a useful first step in your mortgage journey.
When you go through our calculator, we'll ask 'How many people are applying?'. Simply choose '2', and we'll guide you through the rest of the process.
For a more personalised indication of what we may be able to lend, use our Agreement in Principle tool, it takes less than 10 minutes and won’t affect your credit score.
How do we apply for a joint mortgage?
The process for applying for a joint mortgage is very similar to applying as a sole borrower. You can find out more about how to apply for a mortgage with NatWest.
Remember, if you apply for a joint mortgage you will both need to provide information about who you are, your relationship to each other and your incomes, amongst other things.