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If you need to take an ex-partner off your mortgage, but you're struggling to afford it, Tembo could help. We advise on a range of options to help you stay in the home & community you love, and own your property independently.
Going through a separation is hard enough, but for many people trying to figure out how to stay in their home and make mortgage repayments is a huge concern. Our advisors specialise in increasing mortgage affordability through a range of specialist products so individuals can buy someone out of a home.
We advise on a range of specialist schemes that could boost your affordability to help you stay in the home you love.
An Income Boost, also known as Joint Borrower Sole Proprietor (JBSP) mortgage, is a way of adding some or all of a family member or friend's income to a mortgage to increase your max borrowing. With a loved one added as a guarantor, you can increase your affordability to afford your home on your own.
This involves two separate mortgages. The first is taken out by your family member or friend (the Booster) on their property to release money, which is then gifted to you to help you buy out your ex. The second is the new mortgage needed for your home, with you as sole owner.
If you have a family member who wants to help and has cash savings, instead of gifting you it in a lump sum they could place them in a special savings account. This is used as security by the lender, which increases your affordability.
Add some or all of a family member’s earnings to your total income to increase your affordability. They can choose to build up an equity stake by contributing to the repayments, but won’t own your home.
Increase the amount of equity you hold in your home, with a Deposit Loan from a loved one. They'll benefit by owning a percentage of your property, while you can remortgage with a larger downpayment
If you work in a professional field, such as a nurse, doctor or solicitor, you could be eligible to borrow up to 5.5x your income. By borrowing more, you can boost your affordability to afford your home on your own.
4 simple steps to buying out your ex partner and affording your home on your own
Check your eligibility for a range of affordability boosting schemes that could help you buy someone out. You'll get a personalised recommendation with interest rates and repayments in under 10-minutes.
Book a call with our experts to complete the qualification process, and we’ll cover off any questions you might have about any of the schemes we advise on.
Once you’ve found the right option for you, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on your behalf!
We’ll liaise with the lender and your solicitors to ensure a smooth process. We’ll also provide a free protection review for your insurance needs.
Unsure whether to stay with your current lender or go elsewhere? Whatever option you choose, itI’s worth scouting out what options are available to you. We can advise you on what you should do based on your situation and the current market.
Create a Tembo plan to get started or see live interest rates from across the market with our tracker.See today's interest rates
See what affordability boosting schemes you could be eligible for by creating a free Tembo plan. At the end, you'll get a personalised recommendation and be able to book a call with one of our award-winning team to talk through your optionsMake a plan
We've hand picked our top guides to answer your affordability questions. You can explore all of our guides in our Mortgage Guides Hub.