Applying together: co-borrowers, consent and personal information

One mortgage, individual responsibilities

A co-borrower is someone applying for the mortgage with you. Each person’s income, debts, identity and circumstances may be relevant. Before adding someone, discuss with us whether they will be a borrower, a guarantor, an owner, a gift donor or simply helping you organize paperwork. These roles are not interchangeable.

Adding a co-borrower

The application allows a borrower to add a co-borrower, or our team can help. Use each person’s legal name and correct details. A separate email address is needed when documents are sent to that person for their own electronic signature.

Once a co-borrower is listed, a borrower with an account can open Documents, select that co-borrower’s name and upload the requested files for them. Check the name carefully before uploading: one person’s pay stub must not be filed as the other person’s income.

Uploading is not signing

Helping someone upload does not authorize you to consent, sign or impersonate them. Follow each consent or signature request as addressed. Ask us if a borrower cannot access their email or needs an alternative signing arrangement.

Shared access and privacy

The portal supports borrowers uploading documents for other borrowers on the same application. Do not assume the application is a private space between you and Matt that other applicants cannot access. If there are sensitive finances, a separation, a guarantor relationship or information you do not want another applicant to see, speak with us privately before adding it. We can clarify the available access arrangements; do not assume a hide/private setting exists.

Do not share one person’s login to avoid setting up another account. A separate email and appropriate account setup help avoid signing and identity errors.

Make collaboration easier

Choose who will gather shared property documents and down-payment history. Keep each person’s income and ID files clearly named. Tell us who should receive routine updates while recognizing that required consents and legal responsibilities remain individual.