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

A 100% mortgage solution without the need for a cash deposit. With Family Assist, a close family member can provide support by placing a 20% security charge against their own property. This enables first-time buyers to borrow the full purchase price, while the supporting family member retains ownership and control of their own home. No cash transfer is required – just a straightforward legal charge.

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Joint Borrower Sole Proprietor

Increase your borrowing capacity with our Joint Borrower Sole Proprietor (JBSP) mortgage. Up to four applicants can be included on the mortgage, even though not all will reside in the property. Only the occupiers are named on the title deeds. The non-occupying borrower must be able to cover at least 50% of the monthly payment at our affordability stress rate, with the main resident covering the remainder. This structure is ideal if you need family support without adding extra names to the property title deeds.