---
title: Co-borrowers | Mortgage Clarity Help Center
description: Adding a co-borrower or spouse, and what they can see.
url: https://www.mortgageclarityplatform.com/help/clients-workspaces/co-borrowers
site: Mortgage Clarity
updated: 2026-09-01
---

## Add a co-borrower

1.  1
    
    Open the client's information form — from New Client when creating them, or from Client Overview afterwards.
    
2.  2
    
    Click Add Co-Borrower / Spouse. A second block of name, email, and phone fields appears.
    
    ![The "Add Co-Borrower / Spouse" control on the client form](https://www.mortgageclarityplatform.com/help-figures/clients-workspaces__co-borrowers__1.png)
    
    The "Add Co-Borrower / Spouse" control on the client form Click to enlarge
    
3.  3
    
    Fill in the co-borrower's details and save.
    
4.  4
    
    To take them off, use the remove control on the Co-Borrower / Spouse block. This removes them from the record; it does not delete the client.
    

## The co-borrower email is a second key

This is the part worth understanding. The workspace is opened by EMAIL. Adding a co-borrower email gives that person their own way in — they sign in as themselves rather than borrowing the primary borrower's link.

1.  5
    
    Either listed email address opens the workspace. Neither needs a password.
    
2.  6
    
    Both see exactly the same workspace: the same strategies, the same reports, the same tabs. There is no separate or reduced view for a co-borrower.
    
3.  7
    
    Leave the co-borrower email blank if you do not want them to have their own access. The name still appears on the record and on reports; only the sign-in is withheld.
    
    Because the email IS the access, treat it with the same care as the primary. A typo in the co-borrower email means either a real person cannot get in, or an unintended address can.
    

## Where the co-borrower shows up

1.  8
    
    On client-facing reports, alongside the primary borrower in the header.
    
2.  9
    
    In the client workspace, so the greeting and the record reflect both people.
    
3.  10
    
    On a lock sheet, under Employment & Income, where each borrower's income is captured separately.
    

## Related articles

[Invite a client to their workspace

Send the invite email and understand how clients sign in.

](https://www.mortgageclarityplatform.com/help/clients-workspaces/invite-client)[Create a client and workspace

Every client gets a workspace: their file on your side, their portal on theirs.

](https://www.mortgageclarityplatform.com/help/clients-workspaces/create-client-workspace)

[PreviousClient types](https://www.mortgageclarityplatform.com/help/clients-workspaces/client-types)

Still stuck?

Email [christian@mortgageclarityplatform.com](mailto:christian@mortgageclarityplatform.com), or use the Help button in your advisor top bar to send a message without leaving the app.