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What is a joint mortgage?

A joint mortgage is when you apply to borrow money to buy a home with someone else. This could be with your partner, a friend or a relative. Everyone who applies will have to meet a mortgage lender’s criteria, and you’ll be jointly liable for the mortgage payments. This means if one of you can’t pay your share of the monthly mortgage payment, the other person must pay the whole amount. All applicants will have a legal claim to the ownership of the property.

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