Single person mortgages

Yes, it's absolutely possible to get a mortgage on your own. Lenders will assess your income, credit history, and outgoings just as they would for a joint application; the main difference is that your borrowing power is based on one income rather than two. At Tembo, we can advise on a range of specialist schemes to help boost how much you could borrow solo.

It can be, mainly because your mortgage is based on a single income rather than two, which limits how much you can borrow. But there are ways to boost your affordability, from adding a loved one's income with an Income Boost, to using a Deposit Boost or exploring other schemes like NHS mortgages and shared ownership. At Tembo, we specialise in over 25 budget-boosting schemes which could help you make home happen.

Most lenders use an income multiple of around 4 to 4.5 times your salary to work out how much you can borrow. So if you earn £35,000, you might be offered a mortgage of roughly £140,000 to £157,500. Certain professions and specialist schemes could increase this multiple, and adding a family member's income through an Income Boost can significantly increase your total borrowing power.

Yes. Some people buying with a partner choose to buy in one name only, for example, if one partner has a lower credit score, already owns another property, or for Stamp Duty reasons. It's worth speaking to a solicitor about the legal implications before doing this.

The right option depends on your individual circumstances. If you have family or friends who can help, a guarantor mortgage could significantly increase what you can afford. If you're buying entirely on your own, options like Shared Ownership or a higher income-multiple scheme could make a real difference. The best way to see what you're eligible for is to complete your details online with us today, and we can check your eligibility for a range of schemes and mortgages across 100+ lenders.