Buying your first home is an exciting milestone, but for many people, affordability can be one of the biggest barriers.
You may be able to manage the monthly repayments, but borrowing enough based on your income alone can still be difficult. Saving a large deposit can also take years.
A semi-exclusive mortgage deal available through Just Mortgages could offer another route onto the property ladder by allowing family members, a partner or friends to support your application.
One owner. Three supporters. Four incomes considered.
The mortgage allows up to four applicants to be included in the affordability assessment.
This could mean:
- One person owns the property
- Up to three people support the mortgage application
- Up to four eligible incomes are considered by the lender
The supporters are included on the mortgage, but they are not registered as owners on the property deeds.
This means you can benefit from shared financial support while keeping the ownership of your home clearly defined.
How could additional incomes help?
Mortgage lenders assess how much you may be able to borrow by looking at factors including your income, financial commitments, credit history and regular outgoings.
For some first-time buyers, one income may not be enough to support the mortgage needed for their chosen property.
Including the income of family members, a partner or friends could potentially increase the amount the lender is willing to consider, subject to its affordability checks and lending criteria.
It is important to remember that everyone named on the mortgage will be responsible for the debt and the mortgage repayments, even though only one person owns the property.
Do supporters need to provide a deposit?
A gifted deposit is not required for this mortgage arrangement.
Depending on your circumstances and the product selected, borrowing may be available up to:
- 100% loan-to-value on selected 10-year fixed-rate mortgages
- 100% loan-to-value on selected 15-year fixed-rate mortgages
- 95% loan-to-value on selected five-year fixed-rate mortgages
A 100% loan-to-value mortgage could allow an eligible buyer to purchase a property without providing a deposit.
However, borrowing the full property value may not be suitable for everyone. Mortgage rates, monthly repayments and the risk of negative equity should all be considered carefully with a qualified mortgage adviser.
Who could support a mortgage application?
Support does not necessarily have to come from a parent.
Subject to the lender’s eligibility requirements, supporters could include:
- Parents or step-parents
- Grandparents
- Brothers or sisters
- Other family members
- A partner
- Friends
This flexibility may be particularly helpful for people whose parents are unable to provide a gifted deposit but who have other people within their support network who want to help.
Who owns the property?
The person buying and living in the property is the legal owner.
Supporters do not appear on the property deeds and do not receive a share of the property simply because they are named on the mortgage.
This can make the ownership structure simpler than a traditional joint mortgage where each applicant may also have an interest in the property.
However, supporters still take on a significant financial commitment. They may be required to make the mortgage payments if the homeowner cannot, and the mortgage may affect their ability to borrow money for themselves.
For this reason, every supporter must receive independent legal advice before the mortgage completes.
Can supporters leave the mortgage later?
Supporters may be able to step away from the mortgage in the future, but this is not automatic or guaranteed.
The homeowner would usually need to demonstrate that they can afford the mortgage independently. The lender would then carry out a new affordability assessment based on the homeowner’s income, outgoings and financial position at that time.
Any change would remain subject to the lender’s criteria and approval.
A mortgage adviser can help all applicants understand the potential long-term commitment before they proceed.
Is this mortgage right for every first-time buyer?
This type of mortgage could provide an alternative route to homeownership, but it will not be suitable for everyone.
Before applying, the homeowner and supporters should consider:
- Whether the monthly repayments are affordable
- How long the supporters may need to remain on the mortgage
- What would happen if someone’s circumstances changed
- How the mortgage could affect each supporter’s future borrowing
- The risks of borrowing with a small deposit or no deposit
- Whether a longer fixed-rate period is suitable
The right mortgage will depend on your individual circumstances, plans and financial position.
Expand your circle
Buying your first home does not always have to mean relying on your income alone or asking someone for a large, gifted deposit.
With one owner, up to three supporters and up to four incomes considered, the people around you could help make homeownership more achievable.
A Just Mortgages adviser can explain how the mortgage works, assess whether you may be eligible and guide you and your supporters through the application process.
Speak to a Just Mortgages adviser to explore your options.
Mortgage availability is subject to eligibility, affordability, property suitability and lender criteria. Product terms, interest rates and availability may change or be withdrawn.
All applicants will be jointly responsible for the mortgage payments and the total mortgage debt. Supporters will not be named on the property deeds and must receive independent legal advice.
The removal of a supporter from the mortgage in the future is not guaranteed and will be subject to the lender’s criteria and a full affordability assessment.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 04/08/2026.