I am serving in the British Gurkhas — can I use JBSP (Joint Borrower Sole Proprietor) to buy with my Numbari / friend / cousin?
Yes, JBSP (Joint Borrower Sole Proprietor) mortgages are commonly used when affordability needs support from a trusted family member or friend (including Numbari). The additional borrower helps with affordability but does not need to be on the property title. Lender criteria and documentation requirements will apply.
A friend or non-family member (e.g., a cousin or other acquaintance) can act as a supporting borrower, but this depends on the lender, is not guaranteed across all institutions, and is subject to the specific lender’s criteria.
Can four people buy a house together?
Yes — up to four applicants can purchase a property jointly. In some cases, Joint Borrower Sole Proprietor (JBSP) mortgages can also be used to help boost affordability, meaning additional applicants can support the mortgage without being named on the property title.
All applications remain subject to lender criteria and affordability checks.
I am on a work-permit / skilled-worker visa — can I buy a property in the UK?
Yes, many visa holders successfully buy property in the UK. Eligibility will depend on factors such as visa type, length of remaining visa, deposit size, credit history, and lender criteria. We regularly help clients on visas with their mortgage journey.
Can I change the mortgage borrower or adjust the mortgage term during a remortgage?
Yes — during a remortgage, you may be able to add or remove borrowers and increase or decrease the mortgage term, depending on lender criteria, age, income, and affordability assessments. Changes are always subject to lender approval and your financial circumstances.
My credit score is not great — can I still buy a property in the UK?
Yes — it may still be possible to buy a property with a lower credit score. Some lenders consider applicants with missed payments, defaults, or lower credit scores, depending on how recent and severe they are, your deposit size and overall financial situation. A full credit assessment will be needed to understand your options, and lender availability may be more limited.
How much deposit do I need to buy my first home — can I buy with 0% deposit?
Most first-time buyers start with a minimum 5% deposit, but options vary. There are some 0% deposit or low-deposit schemes available through certain lenders or government initiatives, but eligibility depends on your circumstances, credit profile, and the specific criteria of the product. A larger deposit generally improves affordability and access to better interest rates.
How much deposit do I need to buy a Buy-to-Let property?
Most Buy-to-Let mortgages require a minimum 20%–25% deposit, depending on the lender and the property type. Some lenders may accept a lower deposit in limited circumstances, but this will depend on rental income, your personal income, credit profile, and overall lender criteria. Generally, a higher deposit can help secure better rates and wider lender options
