Joint Borrower Sole Proprietor (JBSP) has emerged as the most-searched residential criteria topic on Twenty7Tec, the mortgage sourcing platform used across much of the UK broker market. According to the firm’s June 2026 data, JBSP ranked first – the single most-searched criteria topic among residential search criteria, underlining how many households are looking for ways to combine borrowing power without changing who legally owns the property.
The figures reflect searches carried out by brokers on the Twenty7Tec platform rather than the whole of the UK market, but with a large share of intermediary activity flowing through the system, they offer a useful read on what borrowers and their advisers are actively looking for.
What Joint Borrower Sole Proprietor actually means
A JBSP mortgage lets more than one person be jointly responsible for the mortgage repayments while only one of them is named on the property’s title as the legal owner.
The additional borrower – often a parent or other family member – supports the application with their income, which can lift the amount the sole proprietor is able to borrow, but they take no ownership stake in the home.
Because the supporting borrower is not on the deeds, the arrangement avoids some of the complications that come with joint ownership. It is one reason JBSP has become a popular route for first-time buyers being helped by family.
Related reading: How do joint mortgages work?
Why demand is holding up
- Affordability pressure. Where a buyer’s own income falls short of the borrowing they need, a family member’s income can bridge the gap.
- Stamp duty considerations. As the supporting borrower takes no ownership interest, JBSP can sit differently to a straightforward joint purchase for a family member who already owns property. The position depends on individual circumstances and should always be checked.
- Keeping ownership clean. The buyer remains the sole legal owner, which many families prefer to co-ownership.
- A defined exit. The supporting borrower can often be removed from the mortgage later, once the sole proprietor’s income has grown.
The point most searches miss
Not every lender offers JBSP, and those that do apply their own rules on who can be a supporting borrower, maximum ages, how the supporting income is assessed and how the mortgage is structured.
A criteria search is only ever a starting point. Getting the case placed with the right lender – and structured correctly from the outset – is where specialist mortgage advice earns its keep.
How Drake Mortgages can help
As a whole-of-market specialist broker, Drake Mortgages identifies and arranges Joint Borrower Sole Proprietor mortgages for clients whose circumstances need more than a standard high-street approach.
If you are helping a family member buy, or being helped yourself, we can talk you through whether JBSP is the right structure and which lenders are best placed to consider it.
Source note: Search-ranking data attributed to Twenty7Tec. Twenty7Tec June 2026 Mortgage Market Snapshot, published 9 July 2026. JBSP was the most-searched criteria topic that month, ahead of foreign nationals, visa applicants, maximum age limits, adverse credit and self-employed applicants (twenty7tec.com/june-mortgage-market-snapshot). Figures reflect activity on the Twenty7Tec sourcing platform and are not a measure of the whole UK mortgage market.
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