Family Assisted Mortgage Advice

  • Borrow more with family support
  • Parents help, no ownership needed
  • Family-backed mortgage options
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  • Free quote
  • Rated as excellent
  • Open today

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Why choose us

Why Families Choose Us

  • Rated 4.98/5 by over 2,700 happy clients
  • Dedicated adviser from application to approval
  • Appointments available within the hour, 7 days a week
  • We explain all available family-assisted options

Save Time

We handle the complex paperwork and coordinate between buyers and family members to manage your application from start to finish

Save Money

Access competitive JBSP and family rates from top UK lenders, ensuring you maximize your budget without overpaying.

Get Expert Support

Our specialist advisers guide both buyers and parents through the criteria, ensuring a smooth approval for everyone involved

Securing first homes for UK buyers since 2009

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What we can help with

We explain the different ways parents or family members may be able to support your mortgage application and help you buy sooner

  • Joint Borrower Sole Proprietor (JBSP)
  • Family deposit mortgages
  • Income boost mortgages
  • Family springboard & savings-backed
  • Guarantor mortgage options
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Why families choose us

Buying your first home can feel out of reach. We make family-assisted mortgage options simple to understand and guide you from enquiry to approval.

  • Find out how much you could borrow
  • Understand which family-assisted options may suit you
  • Dedicated adviser from application to approval
  • Appointments available 7 days a week
  • Rated 4.98/5 by over 2,750 happy clients
BOOK YOUR FREE CALL
JBSP FAQs –

We have answers

Yes. There are several ways parents or family members may be able to help you buy a home, including joint borrower sole proprietor (JBSP) mortgages, guarantor mortgages and gifted deposits. The right option will depend on your circumstances and affordability.
A JBSP mortgage allows a parent or family member to join the mortgage application to boost affordability without owning the property. Their income can help increase how much you may be able to borrow, while you remain the sole owner of the home.
No. Because supporting parents or family members are strictly "non-owners" and are not listed on the property deeds, they do not acquire legal ownership of the home. This means you avoid the automatic 3% higher-rate second-home Stamp Duty surcharge, and the buyer's first-time buyer stamp duty relief remains completely intact.
Yes, this is a very common exit strategy. Once the main buyer’s income rises over time to a point where they can comfortably pass the lender's individual affordability checks on their own, the supporting family member can be formally removed from the mortgage agreement (typically at the end of the initial fixed-rate term)
No. While many family-assisted mortgages are designed for first-time buyers, they can also be suitable in other situations where additional support is needed to meet a lender's affordability requirements. A mortgage adviser can explain the options available based on your circumstances.
The amount you could borrow depends on factors such as your income, your family member's income, your deposit and the lender's affordability criteria. In some cases, family support can significantly increase your borrowing potential.

Ready to get your family assisted mortgage?

Our Mortgage Experts understand affordability challenges and family-assisted applications. We guide you through every step

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