Joint Borrower Sole Proprietor (JBSP) Mortgage

Struggling to buy your first home on your own? Paul Collinson unpacks the Joint Borrower Sole Proprietor (JBSP) mortgage — the smart option that lets family members, often parents, add their income to a mortgage application without going on the property deeds. In this episode, you’ll discover how JBSP mortgages boost affordability, help buyers get on the property ladder sooner, and can even avoid extra Stamp Duty for supporting family members. We also explore the flip side: joint liability, financial risk for non-proprietor borrowers, and why trust and clear agreements are essential. Light, practical, and packed with expert mortgage advice for first-time buyers, it’s your go-to guide to understanding JBSP mortgages, family assisted mortgages, and smarter ways to buy a home.