Applying with a co-borrower: when it helps (and when it doesn't)
Adding a partner, spouse or family member to the loan can raise your maximum amount – but it also brings obligations.
Kready · 2026-09-09
A co-borrower is a second person who is responsible for repaying the loan with you. Banks add their income to yours.
When it helps
- Higher creditworthiness. Two incomes cover a larger installment.
- More banks available. If your income type or history doesn't meet a bank's rules, a co-borrower's income may.
- Better terms. A stronger application is easier to negotiate.
When it may not help
- If the co-borrower has their own loans or high card limits, they can lower the result.
- A co-borrower with a weak credit history can hurt the application.
- Each co-borrower also needs to meet the bank's residence requirements.
Important to know
- A co-borrower is fully responsible for the loan, not just "half".
- For married couples, the property regime (joint or separate property) affects who must sign.
- Removing a co-borrower later requires the bank's consent.
How to check
Tick "I'm applying with someone else" in the income step of the calculator and enter their net income – you'll immediately see how your maximum loan changes.