Whole-of-market mortgage advice
Joint Borrower Sole Proprietor (JBSP) Mortgages in Sleaford & Lincolnshire
A joint borrower sole proprietor mortgage lets a parent or family member boost how much you can borrow, without going on the property deeds and without the extra stamp duty that brings. It is a brilliant option when affordability is the only thing standing between you and your home, and we know the lenders who offer it.
5.0★ · 707 reviews
Whole of market
Free until approved
Your Lincolnshire mortgage team
Nick, Kasia & the team
Qualified advisers and support, here for every step
★★★★★
We cannot thank Nick, Kasia and the team enough for all the hard work they put in to helping us buy our first home.
Sometimes the only thing standing between you and the right home is the size of the mortgage a lender will offer on your income alone. A joint borrower sole proprietor mortgage solves exactly that. A parent or close family member joins the mortgage to boost your borrowing, while you remain the sole owner of the property.
Support on the mortgage, not the deeds
Because your family member is on the mortgage but not the deeds, you keep full ownership of your home and the arrangement usually avoids the extra stamp duty that a joint purchase would trigger. It is a clean, sensible way for family to help without complicating who owns what.
We know who offers it
JBSP is only available from certain lenders, and their criteria vary. We go straight to the ones who offer it, explain the responsibilities clearly to everyone involved, and structure the mortgage so it works for the whole family.
Is this you?
We help joint borrowers like…
- First-time buyers who need an affordability boost
- Parents wanting to help without owning a share
- Buyers whose income alone falls just short
- Professionals early in a well-paid career
- Families keen to avoid extra stamp duty
Why a broker
Why joint borrowers use a mortgage adviser
JBSP is only offered by some lenders and the rules around it vary. We compare the whole market of those who do, explain it clearly to you and your family, and structure it so you own your home while their income helps you get there.
Going direct to one lender
- One lender, one shelf of deals
- You fill in the forms and chase progress
- Criteria buried in the fine print
- A computer-says-no can end it there
- No one in your corner if it stalls
With Spolton, whole of market
- The whole market compared for you
- We handle the application end to end
- Criteria explained in clear, everyday terms
- Declined elsewhere? We know who says yes
- A named adviser who chases it for you
- Free until your mortgage offer is approved
How it works
How we help joint borrowers, step by step
-
Understand how JBSP works
We explain how a family member can support your application without going on the deeds, and what it means for everyone involved.
-
Check the numbers together
We combine your income with your supporting borrower's to see how much you could borrow, and confirm it is affordable for all of you.
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Find a JBSP lender
Not all lenders offer JBSP. We go to those who do and compare them for the best rate and sensible criteria.
-
We handle the application
We manage the paperwork for both parties and keep everyone informed, so the process stays clear and calm.
-
Your home, in your name
You complete as the sole owner, with your family's support behind the scenes.
Local to you
Advising on joint borrower sole proprietor (jbsp) mortgages across Sleaford & Lincolnshire
From Carre Street in Sleaford we arrange JBSP mortgages across Lincolnshire, from Lincoln and North Hykeham to Grantham and Newark. We are happy to bring family into the conversation in person or by phone and video, wherever they are.
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
Honest about money
No surprises. Ever.
Never a surprise fee. Here is how ours work, plainly: most advice is free until your mortgage is approved.
- Free until your offer is approved
- Whole-of-market, not one bank’s shelf
- We tell you the fee before any work begins
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
Our fees, in plain English
Until a fully approved mortgage offer
Free
Standard fee thereafter
Typically £299
Armed Forces & Blue Light Card
£199
Like-for-like remortgage rate switch
No fee at all
Figures correct at time of advice. We confirm everything up front.
Good to know
Joint Borrower Sole Proprietor (JBSP) Mortgages: your questions answered
What is a JBSP mortgage?
Joint borrower sole proprietor. A family member joins the mortgage to boost borrowing, but only you are on the property deeds, so you are the sole owner.
Does the supporting family member own part of my home?
No. They are on the mortgage but not the deeds, so they have no ownership share. This also helps avoid extra stamp duty.
Will it affect my family member's own situation?
They take on responsibility for the mortgage, so it can affect their borrowing and they should consider it carefully. We explain it fully to everyone.
Is there extra stamp duty with JBSP?
Because the supporting borrower is not an owner, the extra stamp duty that applies to second properties is usually avoided. We will confirm your position.
Which lenders offer JBSP?
Only some do, and their criteria differ. We know who they are and go straight to the ones that fit your circumstances.
Real results
Case studies
How a first-time buyer with no credit history bought in Lincoln
First-time buyer, Lincoln
A young first-time buyer in Lincoln had a strong deposit but a thin credit file, with no loans or cards to show.…
How a joint borrower sole proprietor mortgage helped a Sleaford first-time buyer
First-time buyer, Sleaford
A Sleaford first-time buyer had a 5% deposit and affordable payments, but the income multiplier fell short. A joint borrower sole proprietor…
What clients say
707 verified reviews, rated 5.0
260 reviews on Google and 447 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your mortgage
You will deal with a named adviser from start to finish, backed by an administration team who keep your case moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
