Discover our new JMSP range

We’ve re-designed and re-launched our Joint Mortgage Sole Proprietor (JMSP) range, making it easier for more people to get onto the property ladder. The updated range opens up who can support a mortgage, going beyond close family to include friends and wider support networks too. 

What’s new: 

• Up to 95% LTV Mortgage portability if your client’s circumstances change
• More flexible underwriting to support a wider range of cases
• Affordability Boost option now available on JMSP products (for terms of 69 months or more)
• No maximum age at end of term for either applicant 

It also means buyers can get a helping hand financially without the supporter being named on the property deeds. This makes it a great option for first-time buyers and home movers who need a bit of extra support. 

Francesco Di Pietro, Head of Intermediary Mortgages, said: 

“Affordability remains one of the biggest barriers facing aspiring homeowners today. We’ve listened carefully to brokers and customers and have redesigned our JMSP proposition to make it more accessible, flexible and relevant to the challenges borrowers face. By expanding eligibility beyond close family members and introducing up to 95% LTV, we’re helping brokers open up homeownership opportunities for more customers."

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Code	JMAB013
Name	6 Year Fixed Rate - Joint Mortgage Sole Proprietor Affordability Boost
Rate	5.90%
Max LTV	80%
Fees	£0
SVR	6.31%
APRC	6.3%
Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes
Full product details Log in to apply Back to top

Code	JMAB014
Name	6 Year Fixed Rate - Joint Mortgage Sole Proprietor Affordability Boost
Rate	6.05%
Max LTV	90%
Fees	£0
SVR	6.31%
APRC	6.4%
Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes
Full product details Log in to apply Back to top

Code	JMAB015
Name	6 Year Fixed Rate - Joint Mortgage Sole Proprietor Affordability Boost
Rate	6.20%
Max LTV	95%
Fees	£0
SVR	6.31%
APRC	6.4%
Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes
Full product details Log in to apply Back to top

Code	JMSP227
Name	2 Year Fixed Rate - Joint Mortgage Sole Proprietor
Rate	5.85%
Max LTV	80%
Fees	£0
SVR	6.31%
APRC	6.4%
Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes
Full product details Log in to apply Back to top

Code	JMSP228
Name	5 Year Fixed Rate - Joint Mortgage Sole Proprietor
Rate	5.80%
Max LTV	80%
Fees	£0
SVR	6.31%
APRC	6.3%
Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes
Full product details Log in to apply Back to top

Code	JMSP229
Name	2 Year Fixed Rate - Joint Mortgage Sole Proprietor
Rate	5.95%
Max LTV	90%
Fees	£0
SVR	6.31%
APRC	6.4%
Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes
Full product details Log in to apply Back to top

Code	JMSP230
Name	5 Year Fixed Rate - Joint Mortgage Sole Proprietor
Rate	5.95%
Max LTV	90%
Fees	£0
SVR	6.31%
APRC	6.4%
Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes
Full product details Log in to apply Back to top

Code	JMSP231
Name	2 Year Fixed Rate - Joint Mortgage Sole Proprietor
Rate	6.10%
Max LTV	95%
Fees	£0
SVR	6.31%
APRC	6.5%
Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes
Full product details Log in to apply Back to top

Code	JMSP232
Name	5 Year Fixed Rate - Joint Mortgage Sole Proprietor
Rate	6.10%
Max LTV	95%
Fees	£0
SVR	6.31%
APRC	6.4%
Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes
Full product details Log in to apply Back to top

Product	Rate	Max LTV	Fees	SVR	APRC	Product links
JMAB013 6 Year Fixed Rate - Joint Mortgage Sole Proprietor Affordability Boost Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes	5.90%	80%	£0	6.31%	6.3%	Full product details Log in to apply
JMAB014 6 Year Fixed Rate - Joint Mortgage Sole Proprietor Affordability Boost Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes	6.05%	90%	£0	6.31%	6.4%	Full product details Log in to apply
JMAB015 6 Year Fixed Rate - Joint Mortgage Sole Proprietor Affordability Boost Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes	6.20%	95%	£0	6.31%	6.4%	Full product details Log in to apply
JMSP227 2 Year Fixed Rate - Joint Mortgage Sole Proprietor Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes	5.85%	80%	£0	6.31%	6.4%	Full product details Log in to apply
JMSP228 5 Year Fixed Rate - Joint Mortgage Sole Proprietor Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes	5.80%	80%	£0	6.31%	6.3%	Full product details Log in to apply
JMSP229 2 Year Fixed Rate - Joint Mortgage Sole Proprietor Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes	5.95%	90%	£0	6.31%	6.4%	Full product details Log in to apply
JMSP230 5 Year Fixed Rate - Joint Mortgage Sole Proprietor Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes	5.95%	90%	£0	6.31%	6.4%	Full product details Log in to apply
JMSP231 2 Year Fixed Rate - Joint Mortgage Sole Proprietor Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes	6.10%	95%	£0	6.31%	6.5%	Full product details Log in to apply
JMSP232 5 Year Fixed Rate - Joint Mortgage Sole Proprietor Incentives £250 cashback 10% overpayments per annum Free standard valuation up to £550k Early repayment charge: Yes	6.10%	95%	£0	6.31%	6.4%	Full product details Log in to apply