Why Buy Together?

The average property buyer in England and Wales needs to spend almost eight times their annual earnings in order to purchase an average house, according to the latest ONS estimate, an increase from five times earnings in 2002. This underlines how house purchase has become unaffordable for many and explains why families, friends and couples are buying together in aspirational areas where property costs are high relative to average incomes and where house-sharing may be the only way onto the property ladder.


Who is this product for?

  • Ideal for friends or young professionals who want to buy together to get onto the property ladder rather than continuing to rent.
  • Available for first time buyers & home movers.
  • Up to 4 applicants with incomes combined.

Key Lending Criteria

  • Main applicant 21 or over and earning a minumim £15,000
  • Available up to 90% LTV. Above 85% LTV applicants need to be 25 or over with a minimum property valuation of £100,000
  • 40 year term available
  • All property types considered
  • Available on Capital Repayment or Interest Only