JOINT BORROWER SOLE PROPRIETOR

Joint Borrower Sole Proprietor Mortgages

Guidance on increasing your borrowing power while retaining sole ownership of your home.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

JOINT BORROWER SOLE PROPRIETOR

What a JBSP mortgage is:

A Joint Borrower Sole Proprietor mortgage allows two or more people to be named on the mortgage, but only one person is named on the title deeds and legally owns the property.

The supporting borrower(s) help pass affordability checks, but do not gain ownership rights and do not appear on the deeds.

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JOINT BORROWER SOLE PROPRIETOR

Who JBSP mortgages are designed for

Common scenarios include:

  • First‑time buyers whose income alone is insufficient. Parents helping children onto the property

  • ladder without becoming owners

  • Partners where one already owns another property, avoiding second‑home stamp duty

  • Buyers planning to remortgage later once their income increases

  • Existing homeowners needing support to stay in or move home

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