Is there a limit on how much credit I can have borrowed?

We don’t have a fixed limit on how much credit you can have borrowed, but we do look at your total borrowing and monthly commitments to check if Co-Ownership is affordable and sustainable for you. We recommend using our eligibility checker and Affordability calculator to check whether you're likely to be approved, ahead of applying.

If you're applying with high monthly credit commitments, you may not be eligible and will need to reduce your debt first.