: Siblings inherit a property Two siblings inherit a property that could be joint or tenants in common. Can one of the owners take a mortgage out ( I assume against the property as has no other income or property) without

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Joint tenancy versus tenants in common is key here. If they are tenants in common (ie have a specific share each), it is theoretically possible but with emphasis on "theoretically":

HOA Advice:

Tenants in common don’t have to own equal shares of the property. They can each act individually, which means they can leave it to a beneficiary in their will. While in theory they have the option of mortgaging their share of the property, in reality finding a lender willing to lend in these circumstances would be difficult because the lender wouldn’t be able to enforce a sale if the mortgager defaulted.

(I am assuming that when you say UK you mean England and Wales. Scotland is usually different for property ownership...)