Our Joint Borrower, Sole Proprietor solution is perfect for first time buyers wanting to get on the property ladder, for for customers in a separation scenario where one applicant wants to buy out their former spouse or for older borrowers whose circumstances have changed and need support from a close family member to live independently in their own home.
JBSP highlights
- Up to 95% LTV (New Build up to 90% LTV on houses and flats)
- Up to four applicants on the mortgage, with a minimum of one applicant on the property deeds
- Income can be accepted from up to 4 applicants at full income multiples, subject to affordability
- Maximum age 80 considered (mortgage term based on the oldest applicant)
- Gifted deposit from an immediate family relative can be accepted
- Interest only and repayment options available (maximum LTVs apply)
For full details, please refer to our Mortgage Lending Criteria Guide and Product Guides.
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