If you're a first time buyer, we have a variety of options to help you on the way to buying your first home - whatever your circumstances.
Joint Borrower Sole Proprietor (JBSP) Mortgage: support when you need it, independence when you’re ready
Allowing you to borrow with another person but keep the property entirely in your name, JBSP is a smart solution if you need a little extra borrowing power or if you don’t have much financial history. And we can be flexible - splitting your mortgage by term (how long it is), product, or repayment method.
What’s great about JBSP?
- Helps to boost your affordability by borrowing with someone else.
- Importantly: keeps the property in your name, hence the ‘sole proprietor’ part!
- Can be an ideal stepping stone to financial independence.
Shared Ownership options: an alternative route into a home of your own
Buying a share in a Shared Ownership property can give widen your choices when searching for your home. With over 20 years of experience, we know Shared Ownership inside and out and can help you explore if the scheme is right for you.
- Access to a wider variety of homes at lower upfront costs.
- We can lend you up to 95% of the share you want to buy.
- We offer specialist advice and tailored product options.
Family assisted buying: we help families help each other
Family support is more common than ever — and we welcome it, whether it’s the Bank of Mum, Dad, or even Granny or Grandad.
We can help with:
- Gifted deposits.
- Additional borrowing secured against the family home.
Let’s help get you your home.
Whether it’s boosted affordability, shared ownership, or family support, we’re here to make buying your first home clearer, easier, and more achievable. Talk to one of our mortgage advisers today and get ready to take your first step onto the ladder.
YOUR MORTGAGE IS SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.