A partner’s existing debt does not automatically prevent a joint mortgage, but a lender will usually assess both applicants’ income, outgoings, loan repayments and repayment history. The debt may reduce the amount a lender considers affordable, and both applicants are generally responsible for repaying the full mortgage if they borrow jointly. Be open about all debts and check your budget before applying, including how you would manage repayments if circumstances changed. Requirements differ between lenders, so confirm the current position with a lender or licensed mortgage adviser and check the Central Credit Register if relevant.