First Time Buyer / Family support

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.

We've helped many first time buyers into their own home. Though our award winning Family Mortgage, we offer a variety of security options so your client's family can help them onto the property ladder
A family solution to affordability

We are built on helping borrowers make the most of their circumstances using a more personal approach, particularly across family generations. 


With our Family Mortgages for First Time Buyers (FTBs) your clients can:

  • borrow up to 95% LTV on their first property with our 5 year fixed rate.
  • include family members' savings and/or property as security
  • include family members' savings as security in an offset account to reduce the amount of the mortgage on which interest is charged

For peace of mind we include six months unemployment cover from mortgage completion, subject to terms and conditions.

For further information please see our Family Mortgage brochure Mortgage brochure or visit our Family Mortgage product page.

We appreciate some FTB clients may not require additional family support for their mortgage, and for those we offer a variety of fixed and variable rate mortgages with a maximum 80% LTV.  For more information please see our Owner Occupier mortgages.

Joint Mortgage Sole Owner (JMSO)

Our JMSO products are designed to enable family members to help support each other with affordability when applying for a mortgage. One or two owners, plus up to two family members, can join the mortgage to support the borrower.

Benefits of JMSO:

  • Up to four incomes can be used for affordability - one or two borrowers (who will own and occupy the property) can be supported by up to two other family members
  • Supporting family members will not be liable for stamp duty on a second home – they will be listed on the mortgage but will not own the property.

This arrangement is suitable for:

  • Adult children helping their parents borrow in later life
  • Parents helping their children buy their first home, step up the property ladder or help with renovations
  • Couples with a Buy to Let property where the owning partner does not have sufficient income of their own.

JMSO arrangements are restricted to parents and adult children and cannot be used for grandparents or other family members.

The maximum LTV is 80% for Owner Occupier and 70% for Buy to Let.

Maximum loan size is £500,000.

For further information please read our Joint Mortgage Sole Owner customer brochure

View our JMSO Owner Occupier product range.

For Buy to Let applications, you can use our JMSO arrangement with any of our core product range. Please contact us for more information.

For further information about these mortgages please contact your dedicated Business Development Manager or our Mortgage Desk.


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Find Your Local

Business Development Manager

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:

Michelle Parry-Bunter

Michelle has worked for the Society for over a decade and focuses on the South Coast. Contact Michelle 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:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
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Your Local BDM:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East & West Midlands as well as the Southwest. Contact Darren 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 & North East. Contact Paul for help with your clients' mortgages.
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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

Opening hours: Mon - Fri: 8am - 5.30pm, Sat: 9am - noon

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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