Joint Borrower Sole Proprietor First Time Buyer Mortgage
Initial rate
4.17% (fixed)
Then reverting to our SVR minus 1.00%
4.39%
Product period
31.03.2026
Arrangement fee
£499
LTV rate
95.00%
APRC
4.40% APRC
Decision in Principle referrals will be looked at within 2 working days.
New and Existing Applications - Our processing and underwriting team are working at 5 working day SLAs due to the high volume of applications we are experiencing.
You are required to provide a full packaged case upon submission of the full mortgage application. Please bear with us and you will receive an update when your application is being reviewed. Please do not call or email our processing team for an update unless you are outside of this 5 working day timeframe.
So your client is looking to take the plunge and buy their first home. It’s an exciting time. But we realise that it can also be a little daunting, so our broker team are here to help every step of the way.
Because we take a more personal approach, our broker team will assist in guiding you and your client through the process, answer any questions and together we’ll work out how we can help based on how much they can comfortably afford.
The good news is that we offer a Joint Borrower Sole Proprietor product that can really help to get your client on the property ladder by allowing a family member assist with affordability.
*Close family member defined as one of:
4.17% (fixed)
4.39%
31.03.2026
£499
95.00%
4.40% APRC