Beyond the Bank of Family: How lenders can unlock homeownership

3 Jun 2026

Beyond the Bank of Family: How lenders can unlock homeownership

Although first-time buyers now dominate the market, they face significant barriers and brokers are seeing a rise in demand for flexible solutions.

Read our CII-accredited CPD article with Financial Reporter to earn CPD points and:

  • Understand the evolving role of family support in home ownership
  • Recognise affordability challenges facing first-time buyers
  • Identify alternative lending solutions (e.g. JBSP, family-assisted mortgages)
  • Understand how building societies differ from high street lenders.

Read now to earn CPD points >

Why choose us for family-assisted lending?

When your client is purchasing their first property, we understand that both they and you will want the process to be as easy as it can. Whether your client's a first or last time buyer, our 100% LTV Family Mortgage and Joint Borrower Sole Proprietor products make it easier for their family to help them onto, or up, the property ladder. Find out more

Check out our Education Hub

Your go-to space for insight into our products and criteria, and the wider industry as a whole, covering a wide range of lending areas such as Later life, Buy to Let, Family support and Expat. Find out more

  

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 Byrne

Sam focuses around the Northern and Western Home Counties. Contact Sam for help with your clients' mortgages.
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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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