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We are Joint Borrower Sole Proprietor experts

An Income Boost helps buyers to increase their maximum borrowing by an average of £64,000 with the help of their loved ones. So if you're struggling to find a house in your budget, or you're looking to buy alone, this could be the solution.

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JBSP mortgages

Most lenders will let you borrow 4.5x your combined income. With the average house price coming in at 7.5x income, there’s still a huge affordability gap for most first-time buyers in the UK. A JBSP mortgage allows you to allocate some or all of a family member's or friend's income to your mortgage, boosting your affordability so you could afford your dream home.

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The low down on JBSP mortgages

  • What is a JBSP mortgage?

    A joint borrower sole proprietor mortgage is where two (or more) borrowers use their joint income figures to apply for a mortgage. Only one will own the property (the ‘proprietor’), and both are legally responsible for making sure the mortgage is paid.

  • How could a JBSP mortgage help me?

    A JBSP, solves the problem of someone trying to buy a home with a lower salary. A close friend or loved one can give your income a boost by adding their earnings figure to the mortgage application too. This gives a higher overall income figure. A higher-income makes lenders more willing to agree to loan the amount needed for the home purchase (and reduces the amount of deposit required).

  • What are the criteria to be eligible for a JBSP mortgage?

    Both buyer and Booster will need to have good credit scores. As a JBSP mortgage relies on the completion of the mortgage term, the upper age is generally around 75-80 years old for when the mortgage term completes. So for a 25 year mortgage term the maximum age when the mortgage starts is 50-55 years old.

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With an Income Boost, you could borrow up to £173,000 That means with Tembo, you could aim for a home worth £183,000.

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With an Deposit Boost, you could borrow up to £323,000 That means with Tembo, you could aim for a home worth £333,000.

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JBSP mortgages can be complicated. Our advisors are experts.

Book a call with one of our JBSP experts. They can offer advice on how much more you could borrow with a JBSP, whether you would be eligible, and how a JBSP could work for your specific situation. And, don't worry, all initial advice is completely free.

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Why choose Tembo as your mortgage broker?

Our customers voted us the UK's Best Mortgage Broker at the British Bank Awards 2022


We're authorised and regulated by the FCA

All our mortgage brokers are CeMAP qualified to give you advice.


Our interest rates start from 2.5%

Sourced 22nd June 2022. We'll make sure you get the right product for you at the best possible rate.


We compare 20,000 products from 100+ lenders

Meaning we can look for the right product for your circumstances from a large pool of options.

We're loved by our customers.

Over 20,000 JBSP customers have used Tembo.

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“Our experience of Tembo has been amazing! Their website is so easy to use, we were able to set up our initial appointments within a couple of days, and everyone we have spoken to has been so helpful, friendly and knowledgeable.”




“My experience with Tembo has been great, they were the only broker who could get me the mortgage I was looking for.”




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