We'll consider up to four incomes to boost affordability

13 Nov 2025

JBSP mortgages can be used by first time buyers or second steppers needing help with affordability. We can also support clients in retirement or help parents stay in the family home for longer.

Benefits of JBSP

  • Up to four incomes can be used for affordability – one or two owners/occupiers can be supported by up to two family members
  • Increased borrowing potential
  • No second-home stamp duty - supporting family members are listed on the mortgage, but not on the title deeds.

Reverse JBSP

  • All of our JBSP arrangements can be reversed, allowing children to support their parents with affordability so they can remain in the family home.

Owner Occupier

  • Repayment mortgages available up to age 95 (end of term)
  • Interest-Only up to a maximum age of 89 when the loan commences
  • Up to 90% LTV (maximum loan £500,000)
  • Maximum loan size is £1,000,000
  • For Interest-Only loans, the term must end before the eldest supporting borrower's expected retirement age or age 70, whichever is sooner.

Buy to Let

  • If your client needs a Buy to Let mortgage, they can apply for a JBSP arrangement on our standard product range - max age 89 (at loan start) and up to 75% LTV
  • For Interest-Only loans, the term must end before the eldest supporting borrower's expected retirement age or age 70, whichever is sooner.

See our JBSP product range here or download our JBSP brochure here.

Consider up to four incomes to boost affordability

Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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A new BDM will be covering your area soon. In the meantime, our experienced business support team are on hand to support you with any applications, case updates or any queries you may have.

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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