Family-assist

We provide help with all manner of family-assisted, shared mortgage arrangements, to help you secure that dream home, from gifted deposits to guarantor mortgages and even joint borrower sole proprietor arrangements.

Family-Assist

Buy your first home with no deposit. Our Family Assist mortgage allows a close family member to support your purchase by securing up to 20% of the property’s value against their own home. There’s no cash outlay — just a simple legal charge — giving first-time buyers access to a 100% mortgage while keeping things straightforward for the family member providing support.

For more information, click here.

Joint Borrower Sole Proprietor

Boost your borrowing power with help from a family member or friend. Our Joint Borrower Sole Proprietor (JBSP) mortgage allows up to four applicants on the mortgage, even if not all of them will live in the property. The occupying borrower must be able to cover at least 50% of the monthly payment under our affordability assessment, with the remaining share covered by the non-occupying borrower. It’s a flexible way to make homeownership more achievable — without adding extra names to the title deeds.