They say that family is everything, and this is never truer than when it comes to securing a mortgage, particularly for first-time buyers.

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


With regard to Income Assist we can apply Joint Borrower Sole Proprietor (JBSP) criteria to our standard Purchase and Remortgage products, subject to application.


You can also find out more about our Property Assist product via the panel button below. Then why not give us a call to discuss how we can help you, or a family member, achieve those property goals

Income Assist

We accept traditional guarantors, assessing them for affordability in the same way as the borrowers themselves. We also offer joint borrower sole proprietor arrangements where you can have 2-4 applicants on the mortgage, but only the occupiers are named on the title deeds of the property. The non-occupier borrower must be able to individually afford at least 50% of the monthly payment at the affordability stress level. The primary borrower (occupier) needs to be able afford the remaining element.

And we can help all generations – from parents and grandparents wanting to help younger family members, to adult children assisting their parents in getting a mortgage on a suitable home for their later years, where their pension income won’t quite stretch.

Property Assist

Our Property Assist mortgage enables close family members to temporarily allow a secured charge to be placed on their own property as a deposit, to help a first-time buyer in their family obtain a 100 per cent mortgage, without actually providing a cash deposit.

Discover the rate and more

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

How much can you afford?

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Our pledge to you!

Our caring team will go out of their way to get to know your circumstances, and wherever possible say ‘yes’

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