Joint Mortgages

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Joint Mortgages

Many first time buyers are struggling to get on the property ladder as they don't earn enough to be able to get a mortgage on their own.  However there are options available to you.

It is becoming increasingly popular to pool resources with either a partner, family member of friend in order to boost your spending power.   By combining your income with another party, you are likely to able to borrow more money - dependent on affordability and each parties credit history.

A joint mortgage isn't something that should be entered into lightly - it's important to remember that buying a house together is a major committment and if one of you defaults on the mortgage paymemts, the other purchaser(s) will be liable to cover the outstanding amount.


Remortgaging your home to get a batter rate? Use our remortgage comparison tool to find a competitive mortgage.


First Time Buyer

Buying your first home? We can help you to find a low rate mortgage deal that will give you a start on the property ladder.


Buy to Let

Buying a property to let out to tenants? Use our comparison tables to find a low rate mortgage deal to suit you.


Useful tools and calculators

Stamp duty calculator

Check how much stamp duty you will need to pay

Borrow calculator

Estimate how much you can borrow based on your income. If single, enter 0 in second persons income

LTV calculator

Calculate the loan to value that you need

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How can we help you?

So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

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"Matthew at So Smart found me the best deal for my first Mortgage, he was extremely helpful! I would highly recommend this company!"

"I've been looking to switch mortgages recently to secure a better rate and the guys at So Smart Money helped me do just that."

"My mortgage enquiry was dealt with swiftly and professionally. I would highly recommend So Smart Money to others."

"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."


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Trusted mortgage brands

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We'll then search for a lender who will be suitable for you.

Using your credit score allows us to apply for products you're more likely to be accepted for.

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