It can be done.

First of all, if your parents-in-law’s loan is an ordinary loan and not a mortgage, there are no other requirements for you to apply for a mortgage. As long as the income conditions are met and the down payment is paid, you can apply directly.

In addition, if your parents-in-law apply for a mortgage loan, with some banks, you will just need to pay more down payment.

Finally, if your parents-in-law apply for ordinary credit or mortgage loans, you cannot apply for credit or mortgages at the same bank, only mortgages.