Can my parents own the house but the mortgage be in my name?

Posted on 14 December 2012 by Varanjeet

I want a mortgage to buy a house for the first time. but I want the house to be on parents name but the mortgage to be on my name. Is it possible?


Unfortunately it isn't possible to have the house in your parents name, and the mortgage in your name, as in the (unlikely) event that you should ever default on the loan, the lender would be unable to take possession of the property.

However there may be some alternatives to look at, though we would need more information from you before being able to go any further.

If you'd like to discuss your enquiry in more detail, then please let me know and I'll arrange for you to speak with one of our consultants.



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