Sign Up to Share a Mortgage


Sign up for FREE to Share a Mortgage
Signing up to Share a Mortgage is FREE and couldn't be easier; you can even log in using your Facebook details. Once you have signed in you can start your search to find a Mortgage Buddy and use our helpful tools and guides leading you to the ultimate goal of buying your own home. 

We have made the homebuying process as easy as Sign UpBuddy Up, Move In.

Need more information? Call us on 0333 344 3234. 

As a Member, you can:

Join Share a Mortgage
  • Search our homebuyer community to find a mortgage buddy
  • Chat to other Members using our secure internal messaging system
  • Find answers to property questions on our Forum
  • Use our Mortgage Affordability Calculator & Mortgage Calculator
  • Receive support every step of the way until you buy your home 

How does it work?

We provide the full homebuying service, from you joining and finding a Mortgage Buddy, to completion date when you collect your keys. Our team consists of Mortgage Advisers, Solicitors, RICS Surveyors and Customer Service Support who have all worked in the conveyancing sector. During the process you will be advised of the next steps to take with your Journey Tracker and if you ever need help along the way you can speak to our Customer Support Team. 

You can get Shared Ownership Protection,a legal document which includes house rules, how to leave, how much you own, and lots lots more. Shared Ownership Protection clearly states how you will live with your Mortgage Buddies so that there are no arguments, just happy living.  

Read how Ross, Chandler, Monica and Rachel shared a mortgage and each paid £506 a month

Ross, Chandler, Monica and Rachel each contributed £7,500 to create a £30,000 deposit. They had all been renting a property from their landlord costing them £2,000 per month. They subsequently had an offer accepted on a £300,000, 4-bedroom terraced property in North London. 

They agreed to share the property and bills equally between them. 

With a 10% deposit of £30,000 they arranged a mortgage for the other 90% at a rate of 4.3% APR over 25 years and the monthly payments were £1,474 (Natwest Bank – 2 Year Fixed Rate*). They added this to the bills (council tax, utilities, insurances), which were £550 per month; so the total monthly cost was £2,024. Split equally they paid £506 each. 

When the property sold for £340,000** 2 years later, they each received 25% of the £40,000 increase plus their original deposit of £7,500. Ross now has £17,500 and plans on buying a place of his own whilst the others have decided to buy another place together.

Any questions about Share a Mortgage?  just send an email to

* Correct as of 12 April 2014
** Property values can go up or down. In the event of the property value decreasing, Jane would be liable to pay her share of the reduction when the property is sold.

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