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A JMSP mortgage allows you to buy a home with help from family.
This can help you get on the property ladder or take the next step sooner than may be possible otherwise, as we will take your family members' income into account when working out how much you will be able to borrow.
We will consider the income and expenditure of both households in our assessment of affordability.
Our JMSP arrangement lets one or two owners plus up to two family members join in the mortgage to support the owner(s). The supporting family members won't be joint owners of the property but they will be counted as borrowers.
This means while all of you will have joint responsibility for the mortgage payments and full repayment of the loan, only the owners named on the title deeds have a legal claim over the property or any increase in value.
You can speak to us about removing your family members, once your financial position changes.
Further important information about our JMSP mortgage
If your family can provide help towards a deposit, our Family Assist mortgage might be the right solution for you.
To borrow with Progressive Building Society you must be over 18. Whether we provide credit will depend on your circumstances. Lending terms and conditions apply.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We’d love to talk you through the mortgage process and help you find a suitable product. For more information or to apply for an account, you can call us, email us, pop into one of our 11 branches. We look forward to hearing from you.