Can I get a joint mortgage?

You can get a joint mortgage split between up to three people.

Applying for a joint mortgage can set you up with a better rate because more than one person’s financial situation is considered. For instance, if you are a new buyer or have difficulties qualifying for a mortgage on your own, you can take one out with your partner.

It is important to remember that there could be negative consequences to such an agreement. You may not necessarily have joint ownership of the property, and both you and the person(s) who signed the agreement will be liable for mortgage payments regardless of your income gap. Before entering into a joint mortgage, make sure you understand the implications of such an agreement.

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