Is home financing with mother possible?

Unusual combination. Just before retirement at the end of your 50s, this is of course unfortunate, especially if little has been saved so far. On the other hand, the planned amount of 280,000€ is very low (compared here in the forum). Just go to your local bank and ask what they would finance for you at most. Really ask for the maximum, you don’t have to take the amount when the time comes.

How are the ownership structures planned? Also 50% you and 50% your mother? How is your married husband incorporated into this arrangement?

Definitely calculate based only on the pension, not on the current salary. So your joint income is rather around 4200€.

Why a man? Is Tom a she? What I’m really missing here is the woman...?!

The TE is male (according to profile). Therefore, he can of course still have a man.

T€ 280 + incidental purchase costs (assumed 12%) minus equity = T€ 289 financing Generous 1.5% interest and approx. 5% repayment (for a 20-year term) then result in a €1,570 monthly installment. That should - without further information about the living situation, the condition of the property, etc. - be acceptable to a bank. More information is needed for a more well-founded statement.

The OP is male (according to profile). Therefore, of course, he can still have a man.

Or he is married, but separated and is a single parent.

Why man? Is Tom a woman? What I’m really missing here is the woman...?!

Of course, I meant the woman, she is the one missing. No idea how that mix-up happened. In my mind, the thread starter was a woman, for whatever reason.

Of course, the woman, I obviously meant she is missing. No idea how the mix-up happened. Mentally, the thread starter was a woman to me, for whatever reason

Me too. Still, information is missing here