Could JBSP help get your customer’s case moving?

For customers who need additional support with affordability, a Joint Borrower, Sole Proprietor (JBSP) mortgage could provide another route to homeownership.

Here's some of our key JBSP criteria:

Up to 4 applicants are accepted.
All incomes of the applicants are considered in affordability calculations.
The minimum income of the main applicant must be £15,000.
Family members accepted include parents (including step-parents and parents of a spouse), children (including step or adopted), siblings, grandparents, aunts, uncles, cousins, and nieces/nephews.

Got a case in mind?

Use our Residential Affordability Calculator to see how the numbers stack up, or speak to our V-Hub team for help case-shaping your customer’s circumstances.

View our Lending Criteria

Got a criteria question?

Mobi can help!

Intermediary use only. Not intended for retail consumers.

Vida Homeloans is a trading name of Vida Bank Limited, registered in England and Wales with company number 09837692 with its registered office at 1 Battle Bridge Lane, London, SE1 2HP. Vida Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority with Financial Services Register Firm Reference Number 738741.