News Articles

 

Share a Mortgage with different shares of deposit: joint ownership protection

People often ask us if there is a way to protect their individual financial interests if they share a mortgage with someone but each sharer has an unequal amount of deposit Below, we've printed one such question and our answer, which we hope illustrates how you can do just this when...
03/12/2017

House Sharing Tips Part 2: Don't upset the neighbours

House Sharing Tips Part 2: upset neighbours can make sharing a home hard and there is nothing worse than living with someone who keeps upsetting your neighbours. You need to consider who you share your house with carefully as, while a harmonious share can work brilliantly, choosing the wrong person...
02/12/2017

House Sharing Tips Part 1: It's Not Forever!

House Sharing Tips Part 1: house sharing with others can sometimes be the best and only realistic way to become property owners. What can put people off is the thought of sharing ownership of a property with other people, whom you may fall out with, and having to stay in the arrangement...
01/12/2017

Rent or Buy?

Rent or Buy? (or To Rent or not To Rent...) Rent or Buy...That is the question. Are you stuck renting? Do you want to buy your own home but can't afford it on your own?  Did you know we host a whole community of like-minded people who all want to pool resources so they can...
29/11/2017

Save time getting your house deposit

House deposit - saving up enough deposit to secure a mortgage and get on the property ladder can be a daunting prospect but, like so many things in life, it's all about planning, preparation and taking your opportunities. For a standard - 10% - deposit for an average house in the UK [corrected for...
22/11/2017

Buddy Up with Share a Mortgage

Buddy Up with Share a Mortgage Searching for a Mortgage Buddy is easy: you'll be able to find the right person to share a mortgage with by examining their detailed profile. You can search by:  Amount of deposit you are looking for Location you want to buy in Pets/No Pets Smoking/No Smoking...
21/11/2017

Share a Mortgage with low incomes

Question from Celia George about Sharing a Mortgage with low incomes Hi there, my request might seem off the wall, but maybe you can help me. My name is Celia George, I’m 23 and have recently finished a course in the entertainment industry; Acting dancing, singing.  I am slowly getting some...
17/11/2017

Pros Cons of Joint Ownership

Pros Cons of Joint Ownership Everyone wants to own their own property; however until you earn enough money, you’ll either spend thousands in rent or get stuck living at home with mum and dad. These seem to be the only perceived options, however you could joint own a property and get on the...
13/11/2017

Protect Your Personal Data

Protect Your Personal Data – Keep Your Eye on the We are spending more and more of our time online and it’s important to stay vigilant as to where and with whom you share certain types of personal information and data. This is especially so when talking to people at Share a Mortgage. Even...
13/11/2017

Leaving University - next steps getting a job and joining the property ladder

Leaving University - next steps getting a job and joining the property ladder You’ve just spent 3 to 5 years of glorious independence; studying at University to set yourself up for a career down your chosen path. You have bathed in the celebrations of getting a 2:1 or just missed and got a 2:2,...
06/11/2017

The Generation of Renters

The Generation of Renters A growing number of people in the UK are stuck in the rent trap. Figures from the most recent National Census have shown that in the decade from 2001 to 2011 the proportion of those owning a home fell for the first time down to 65%. Reasons for this include rising house...
19/10/2017

Wasting My Young Years

Wasting My Your Years Renting? Is Share a Mortgage the solution? London Grammar might have meant something else when they spoke of wasting their young years, but it is interesting to think how true this could be when thinking about the years renting. The London Grammar analogy may have more...
18/10/2017

Joint Property Ownership - Is a mortgage buddy for you?

Joint Property Ownership - Is a mortgage buddy for you? Friendship is a term people use all the time, but it means very different things to different people. Some may reserve the word ‘friend’ for a small group of people they can count on one hand, whereas others may class 1,000s of...
15/10/2017

Sign Up to Share a Mortgage

Sign up for FREE to Share a 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...
05/10/2017

Buy to Let student accommodation

Buy to Let student accommodation - Tips for Parents Buy to Let student accommodation has risen in line with the UK's growing student numbers. According to UCAS, 413,000 school-leavers started their first degrees in autumn 2014. In London, one property investment firm claimed that students have...
04/10/2017

Finding a Mortgage Buddy

Find the right Mortgage Buddy to live with - Share a Mortgage Share a Mortgage Isn’t for Life Think of Share a Mortgage as entering into a business relationship whereby, without each other, you wouldn’t be able to buy a property with the best mortgage interest rate. Unless you want to...
02/10/2017

Save Money Over Renting by Buying

Save Money Over Renting by Buying More than a third - 37% - of tenants have stress arising from problems with landlords and letting agents and 16% have 'sleepless nights' as a result. New research from the Association of Residential Letting Agents details many of the issues which tenants have...
19/09/2017

What is a Cohabitation Agreement?

What is a cohabitation agreement? That's a question we're often Cohabitation agreements most often refer to contracts drawn up between unmarried couples or those not in a civil partnership, which give financial and other protections to each Marriage and civil partnership...
13/09/2017

Share a mortgage with families

Divorcees are often forced into renting after moving from the marital home until they can afford to buy a place on their own, or with a new partner. This can be hard both emotionally and financially and even worse if there are children involved. Share a Mortgage provides a safe and affordable...
11/09/2017

Share a mortgage with couples

Share a mortgage with couples Traditionally, couples used to be to get married before buying a property. However, with the number of marriages on the decline, couples often proceed straight to buying a property together. Often looking to move from rented accommodation, couples are using Share a...
09/09/2017

Divorcees forced to Rent now turn to Share a mortgage

The Daily Mail (17 Feb 2014) wrote that divorcees are forced into rent. Spareroom, an online flat sharing website, stated that 60,000 people over 40 placed room wanted adverts; 20,000 more than 5 years ago.  Why do Divorcees have to rent? With average house prices in London reaching £535,000...
26/08/2017