Working Hours: Mon - Fri: 9:00AM - 6:00PM
Call Us: 0330 304 3040
Home Mortgage Calculators About Blog
   Back | How it Works
How it Works
Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier
1Get in Touch
Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.
2Submit Your Application
Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.
3Mortgage Completion
Revolution Finance Brokers will finalise the details and enable you to move forward without delay!
   Back | About
About
Blog
Contact Us
FAQs
Documents
Areas
Credit Report
   Back | Insurance
Insurance
Business Protection Insurance
Life Insurance
Building Insurance
Home Insurance
Mortgage Repayment Protection
Family Income Benefit
Critical Illness Cover
Income Protection
Life Assurance
   Back | Calculators
Calculators
Stamp Duty
Commercial Stamp Duty
How Much Can I Borrow?
Buy To Let
Bridging Loan
Residential & Commercial Bridging
Mortgage Repayment
Development Finance
Commercial Mortgage
   Back | Choose your mortgage type
Choose your mortgage type
Bad Credit Mortgages
Bridging Finance
Commercial Mortgages
Buy to let
Self Employed Mortgages
Mortgages for Professionals
Lifetime Mortgages
Expat Mortgages
Interest Only Mortgages
Mortgage Affordability
Mortgage Application
Income Types
Residential Mortgages
Development Finance
Property Types
Remortgages
First Time Buyers
Mortgage Rejection
Offset Mortgages
Second Charge Mortgages

Can I Apply for a Mortgage in Only My Name if I am Married?

Can you get a mortgage in one name if you're married to somebody else? Explore joint vs single mortgages, lender risk assessments, and how to separate ownership from property residency.

Applying For a single Mortgage While Married

Married couples don't necessarily have to apply for a joint mortgage. There are lots of reasons you might want to apply as a single applicant. For example, if you have a good credit rating, but your spouse doesn't, it might be in your interest to leave them off the application.

Here we'll run through how sole mortgages work for married people and what the options are.

Need more details? Request a callback, or click the button below to get a competitive, sole mortgage offer.

How Can I Get a Sole Mortgage If I Am Married?

While lenders prefer married applicants to both be named on the mortgage application, this isn't mandatory.

Your best bet is to consult an independent, whole-of-market broker who can assess your circumstances, provide advice, and help you find the best mortgage deal available.

Here are some of the key considerations:

  • Not all lenders will approve a single application if that applicant is married.
  • You need to demonstrate you can afford the repayments on only your income.
  • If a spouse is not on the title deeds, the lender will not include their income in the affordability assessment.

Need Help Obtaining a Sole Mortgage?

How Can I Improve My Chances of Mortgage Approval as a Sole Applicant?

There are a few common problems with applying as a single mortgage holder as a married person. However, the Revolution Brokers team can help you find simple solutions, often just about applying to the lender with the right eligibility requirements!

  • If your spouse partially funds the deposit, it will be considered a gift, an unacceptable deposit source for many lenders. One option here is to sign a waiver of property rights to overcome the obstacle.
  • You need to apply to a lender who is happy to approve a mortgage to one applicant when another person who isn't on the deeds lives in the home.
  • Where one spouse has a bad credit rating, some lenders will try to insist both parties are named on the application - so you need a broker to negotiate with a lender who will consider a sole applicant mortgage.
  • If you are married but separated or going through a divorce, you can get a single mortgage to buy out your ex-partner. This scenario usually requires paperwork to demonstrate that divorce proceedings have begun.

What are the Advantages of Getting a Mortgage Without my Spouse?

One of the most common reasons for a married couple deciding on a mortgage in just one person's name is that the other has a bad credit rating. That might mean being refused a mortgage or having to pay higher interest rates and deposit.

In some cases, you will get a better mortgage deal as a joint applicant even if one partner does have adverse credit issues - but you need to consult an experienced broker to know which option is best!

There are bad credit mortgages available even where applicants have no credit score or even severe credit issues such as bankruptcy, so specialist advice is vital to decide on the best course of action.

Professional Advice on UK Mortgages for Married Applicants

The best option for you, the best mortgage product and the best lender depends entirely on your circumstances and what you wish to borrow.

Mortgage advisors are completely independent and offer whole-of-market advice to applicants looking for the easiest way to find the home loan they need.

Need more information about obtaining a sole mortgage while married?

Further Reading

PROCESS

Explore Our Presence

Securing an excellent mortgage offer with Revolution Finance
Brokers couldn't be easier:

cityam
dailyexpress
dailymail
standard
FT Advisor
LBC
The Guardian
Independent
Metro
Mortgage Introducer
Sky News
The Sunday Times
Yahoo
This is Money
Mirror
LBC
The Sunday Times
PROCESS

Revolution Mortgage Brokers:
100% Independent & Whole-of-Market

As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

REFERRALS

Refer, Relax, and get £50

Ask the Expert
Mortgage Brokers

Revolution Brokers
What can we help you with today?
Do you have a particular timescale in mind?
Next
Which situation from the below list best matches your requirements? *
Could you tell us the market value of the property?*
Please let us know a rough idea of your yearly income (before tax) for all applicants? *
Back
Next
Primary applicant name *
Contact email address *
Best contact number *
Back
Next