Family Assisted Mortgages

We know that some borrowers may need a little help from family to get them onto the property ladder.

Our range of Family Assisted mortgages includes our new 100% LTV Family Mortgage, and our Joint Borrower Sole Proprietor (JBSP) products.

Bank of Mum and Dad

Family Mortgage                                                                            

Our Family Mortgage allows family members to use their savings and/or equity in their property as security for the borrower's mortgage instead of gifting money.

The borrower has an option to either provide a deposit or not.

Family members can provide security in one of two ways (or a combination of both) provided the total security, plus any initial deposit, adds up to 20% of the value of the property the borrower is buying. They can do so by:

  • Placing their savings into our Family Security savings account, which earns interest
  • Providing a Collateral Charge over some of the equity in their own home.

The maximum LTV is 100% for Owner Occupier.

Family Mortgage

Joint Borrower Sole Proprietor (JBSP) Mortgages

Our JBSP products are designed to enable family members to help support each other with affordability when applying for a mortgage.

  • Enables one or two borrowers (who will own and occupy the property) and up to two other family members to support the borrower(s) by using up to four incomes for affordability.
  • Suitable for family members helping both younger borrowers achieve their home owning aspirations, and also suitable for family members helping older borrowers.
  • Supporting family members will be listed on the mortgage but will not own the property.

The maximum LTV is 90% for Owner Occupier and 75% for Buy to Let.

JBSP mortgages

Criteria checker

Can we help your client? Use our tool to find out.
Simply type your criteria to see our levels of acceptance and flexibility.

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.
Edit my local BDM

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.
Edit my local BDM

Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
Edit my local BDM

Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
Edit my local BDM

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.
Edit my local BDM

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.
Edit my local BDM

Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
Edit my local BDM

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.
Edit my local BDM

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.
Edit my local BDM

We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

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.

Edit my local BDM