My Plan/Fitness Centre
Training Session · Intermediate · 14 min+70 Mortgage Fitness Unlocks: Family Finance Expert badge

Joint Borrower Sole Proprietor (JBSP) Explained

An interactive coaching session on an often-overlooked route into home ownership. Educational only — not mortgage advice.

Welcome

An overlooked route to your first home.

Joint Borrower Sole Proprietor mortgages let family or friends support your affordability while you remain the legal owner. GYM will walk you through how it works — educational only, not advice.

See how extra income can affect affordability

Understand who owns, who pays, who's liable

Leave with clear, personalised next steps

Getting Your Mortgage Ltd

Financial Fitness for Home Ownership

Working out your way home.

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Company

Legal

Access

Company details: Getting Your Mortgage Ltd. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom. ICO registration: ZC177396.

Regulatory status: GYM provides Mortgage Fitness guidance only and is not itself authorised by the Financial Conduct Authority to give regulated mortgage advice. Any regulated mortgage advice is provided by FCA-authorised advisers we introduce you to, after a full fact-find. The Mortgage Fitness Score is for guidance only and is not a mortgage offer, decision in principle or guarantee of approval.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Think carefully before securing other debts against your home. Buy-to-let mortgages and some forms of commercial or overseas lending are not regulated by the Financial Conduct Authority.

© 2026 Getting Your Mortgage Ltd. All rights reserved.

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Joint Borrower Sole Proprietor (JBSP) Explained · 14 min · +70 XP