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.

About your mortgage

Error: Yearly income income must be between £1 and £10,000,000.

Error: Regular bonus must be between £1 and £10,000,000.

Based on your yearly income, you may be able to borrow:


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

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

For help with finding sole mortgages for married applicants, give the Revolution Brokers team a call on 0330 304 3040, or drop us a message at

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.

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.

Give us a ring on 0330 304 3040, or email the team at to ensure you make the right decisions regarding your mortgage application decisions.

Why Revolution Brokers?
  • Whole of market brokers

  • Mortgage that suits you

  • On time customer support

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature. We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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Ask us any question you might have, and one of our skilled consultants will come back to you as quickly as possible.