JBSP mortgages

Grow your borrowing with family income — keep the home in your name

Joint Borrower Sole Proprietor lets a parent or relative help on the mortgage without going on the deeds. Keep first‑time buyer status and ownership.

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Immediate boost — add supporting income now
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Keep FTB benefits — potential SDLT saving
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Flexible exit — remove helper via remortgage
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FCA regulated · PRIMIS network · ★★★★★ reviews
1
Up to 6 borrowers
Use trusted family income to pass affordability.
2
Keep ownership
Helper isn’t on the title and has no equity claim.
3
Remove later
Remortgage to take the helper off when ready.

Can JBSP work for you?

  • First‑time buyer with limited income but deposit gift
  • Recently separated and keeping the family home
  • Newly qualified nurse, teacher, or professional
  • Sibling or parent supporting repayments
  • All applicants pass ID/AML and affordability checks

How it works

  1. Apply together. Add supporting income on the mortgage application only.
  2. You stay sole owner. Helper is not on Land Registry and has no equity.
  3. Future flexibility. When your income fits, remortgage to remove the helper.

All borrowers are jointly and severally liable for repayments. Your home may be repossessed if you do not keep up repayments on your mortgage.

Free fast JBSP check

Answer a few quick questions. No credit search to start.

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Greywood Financial Ltd — Authorised and regulated by the Financial Conduct Authority. Registered in England & Wales.
Your home may be repossessed if you do not keep up repayments on your mortgage.