Mortgages for couples.

But, particularly if you're not married, bear in mind how you would deal with the mortgage if you wanted to go your separate ways in the future.

If this happens you would most likely want to minimise any negativity and get on with your lives rather than having to extricate yourself from a difficult mortgage deal.

If there's a joint mortgage and one of you stops paying both of you will be held responsible for the mortgage payments - regardless of the ins and outs of the situation.

And that could mean either of you landed with the bill for both partners - bad news if your relationship breaks up and one of you does a runner.

An interest only mortgage with the capital being repaid with an ISA could give you an inbuilt safeguard because these can only be held in individual names. So you're not stuck so together as with other mortgage arrangements. Ask an IFA about this.

Whatever happens make sure that your home is owned fairly between you ie according to who's paying what towards it.

If there's a problem with sharing openly, at this point, it may be a timely alarm bell to listen to before you commit.

Basically if one partner puts up 60% of the dosh then they should own 60% of the property... If there's a problem with that, why should it be a problem. Don't they trust you?

OK it may be best not to let this interfere with getting on with your lives. It might never happen. But you were warned...

If you did split up you'd probably have to sell up and each buy something cheaper.

Read on about Mortgages for First time Buyers

Read On / Mortgage Guide

Read On

Important note about your credit rating

Many websites don't make it clear that filling in their mortgage enquiry form means you might be credit checked.

This can put you at risk.

UK Mortgage lenders may assume an enquiry you have aleady made to another lender means you were turned down - and not that you are in fact carefully shopping around and rejecting the bad deals.

The best way around this significant problem is to ask an independent mortgage adviser to make anonymous enquiries for you.

Without risking your credit score an adviser can find you the best available mortgage deal. They will also know how likely you are to be accepted by the lender if you decide to make a formal application.

If you would like a recommended adviser to check out the best deals for you, anonymously, simply fill in the quick form below.

" Hmm..." You might think; "Won't I be hounded by a salesman hungry for my business? "

This is the most common question we hear from our users.

The answer is no you won't.

Firstly your enquiry is only passed to ONE person on a carefully vetted list of independent advisers.

Secondly, these mortgage advisers are professionals. Even when the market is slow they are busy people. There many people who need to move homes, or get a remortgage and are looking for advice all the time. Regardless of the state of the property market, life goes on.

So the advisers don't have time to hassle people. It just doesn't work like that. No one is gong to be forced into taking out a mortgage unless they really need one.

The advisers are very used to talking with people, perhaps like yourself, who are only "dipping their toes" into the water.

Many people just want an initial quick chat and if they feel comfortable will ask the advisor to contact them again later - often in several weeks or months. As a professional, the adviser will simply diarise this and call back at the appropriate time. There is no obligation at all.

(In the unlikely event that you ever feel at all "hassled" by someone on our list please let us know immediately. We have never heard of this. But if it happened we would definitely want to know).

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Mortgage Guide
Click for Full Contents

First time Buyers Guide
Click for Full Contents

Buying as a couple

Read on about Mortgages for First time Buyers

Read On / Mortgage Guide

Read On

Important note about your credit rating

Guide to your First Mortgage and Home

Full Mortgage Guide

Browse over 200 Free Mortgage Tips

Site Help

Mortgage Guide Click for Full Contents

First time Buyers Guide Click for Full Contents

Buying as a couple

Read on about Mortgages for First time Buyers

Read On / Mortgage Guide

Read On

Important note about your credit rating

Guide to your First Mortgage and Home

Full Mortgage Guide

Browse over 200 Free Mortgage Tips

Site Help

Mortgage Guide
Click for Full Contents

First time Buyers Guide
Click for Full Contents