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Buyers consider joint purchase
Buyers consider joint purchase 伦敦
By   RYAN BEMBRIDGE
  • 都市报
  • Joint Purchase
  • Mortgage Counselling
  • Mortgages
  • Housing Markets
Abstract: Half (52 per cent) of potential homebuyers say the current economic climate has affected who they plan to buy with and who they may have to share a home with, according to a survey by the Mortgage Advice Bureau.

More than half would consider finding a boarder to help subsidise their outgoings. Of these, 17 per cent say they would definitely have a lodger and 21 per cent say they would consider having a lodger to specifically help with the cost of household bills.


Nearly one in five (18 per cent) would now need to buy a home with a partner, nine per cent would need help from a family member and seven per cent plan to buy a home with a friend. Only one in ten (10 per cent) think they will be able to buy a home on their own.


Ben Thompson, deputy chief executive of the Mortgage Advice Bureau, said: 'The difficulties and turbulence in the economy have dramatically changed the game for potential homebuyers. For 15 per cent of this group, this means they have postponed their plans to buy a home.

Buyers consider joint purchase

With high inflation levels having a deeper impact on people's finances, many will find it difficult to put money towards a deposit and subsequent mortgage repayments - especially those looking to buy a home on their own.


"Considering getting a tenant is a great way to help earn some extra money to pay bills or make mortgage repayments. However, it's important to note that you should still ensure that you can meet your monthly mortgage repayments and be able to do so without needing extra cash when they move out."


There are also signs that more and more aspiring homeowners need a mortgage guarantor. One in five (20 per cent) homebuyers in the early stages of buying a home believe they need a guarantor - twice as many as those who have been buying for a longer period of time and are nearing completion (9 per cent).


Two-thirds (42%) of homebuyers cite high inflation and high interest rates, which have led to higher rent and mortgage rates and thus increased economic uncertainty, as the biggest barriers to homeownership. Deposits (32 per cent), a slowing housing market (27 per cent) and taking out a mortgage (25 per cent) are also major barriers.

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