What is an Income Booster/Joint Borrower Sole Proprietor mortgage?
Our Income Booster, also known as Joint Borrower Sole Proprietor (JBSP), allows you to add up to three extra people onto a mortgage, without making them a legal owner of the property. We factor in all the incomes during the application, meaning you could borrow more than if you were taking out a mortgage on your own.
Income Booster is a joint mortgage, so all borrowers will share the legal responsibility for paying the mortgage.
"A fantastic way to support would-be first-time buyers
Our Skipton Group Home Affordability Index 2025 research shows that 98% of adults living with parents still can’t afford to buy the average first-time buyer home in their local area, based on their own financial situation. And if they could, over 93.7% would face essential housing costs that exceed 45% of their income. Whether we call it Income Booster, Joint Borrower, Sole Proprietor, or JBSP, what’s clear is this could be a way for parents, guardians, friends or family to support buyers, and tackle the affordability challenges faced when getting onto, or moving up the property ladder.”
Jennifer Lloyd
Head of Mortgage Products and Proposition