Joint Borrower Sole Proprietor Calculator

A Joint Borrower Sole Proprietor (JBSP) mortgage is a type of loan where two or more people apply for a mortgage together, but only one person is listed as the legal owner of the property. It’s commonly used by parents helping their children get on the property ladder without being co-owners themselves.

The JBSP Mortgage Calculator helps estimate how much you could borrow by combining your income with another person’s, usually a family member or close friend, without giving them ownership rights to the property.

Here’s how it works:

  1. Tell us what you earn: Pop in your yearly earnings before tax. Oh, and if you get a bonus or commission, add that too!
  2. If you have a partner or family who is ready to be a joint borrower, you can include their earnings as well. It could boost how much you might borrow.
  3. Hit ‘Calculate’: Press the button and see an estimate of how much lenders might be willing to lend you.

It’s a handy starting point to figure out your budget. Remember though, every lender’s different and they’ll look at other stuff like your spending habits and credit history.

If you’ve any questions, please enter your details, and the expert mortgage advisors will connect with you to discuss further.

Guarantor Mortgage Calculator
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Get in touch now to discuss this further with expert mortgage advisors for free.


The figures provided by this calculator are for illustrative purposes and actual figures would depend on your situation and circumstances. Please connect with the expert mortgage advisors we work with to discuss further.