Still renting.
Still saving.
Still locked out?
You're earning, paying the rent and trying to save — but buying a home alone still doesn't add up.
You're not the only one.
Thousands of people face the same problem: they can afford their rent, but buying alone still feels out of reach.
I earn a decent salary. Why can't I buy?
Is renting stopping me from saving?
Would you buy with a friend?
Being able to afford housing isn't the same as being able to buy a home.
Many renters can meet substantial monthly housing costs but struggle with deposits, single-income affordability calculations and rising property prices.
What changes when you don't have to buy alone?
A simple illustration using a typical locked-out buyer profile.
Buying alone
Income: £42,000
Savings: £18,000
Current rent: £1,150
£207,000
Illustrative buying power
Buying with one other similar buyer
Two incomes, two savings pots
Combined deposit and borrowing power
Shared monthly ownership costs
£414,000
Illustrative combined buying power
This is an illustrative example, not a mortgage offer or financial advice. What you could actually borrow depends on your own circumstances, lender criteria and market conditions.
We won't tell you to co-buy.
Buying with someone else isn't right for everyone. CoHaus Life gives you the information, tools and community to understand your options and make your own decision.
No pressure to co-buy.
We won't push you toward any route. CoHaus is here to help you understand your options and make your own decision.
Your financial information stays private.
Any numbers you enter in calculators or tools are yours. We don't share them with lenders, agents or third parties.
We don't sell your financial data.
We don't monetise your personal or financial information. Full stop.
Educational information, not advice.
What you read here is information and food for thought. For mortgage, financial or legal advice, speak to a qualified professional.
Useful guides to start with
How to split ownership fairly when deposits aren't equal
One of you has £40,000 saved. The other has £12,000. That doesn't have to feel unfair. Here's how people actually split ownership when the money going in isn't the same — in plain English.
The Deed of Trust, explained line by line
It's the one document that decides what happens if someone wants out, stops paying, or dies. Most people sign it without reading it. Here's what each bit actually does, without the legal fog.
Getting a joint mortgage with friends
Most banks stop at two people on a mortgage. Some don't. Here's who lends to three or four buyers, how they add up your incomes, and the mistakes that get friend-group applications knocked back.