If your income is insufficient in allowing you to borrow the mortgage amount that you require to purchase your dream property, then a joint mortgage, sole proprietor (also known as joint mortgage, sole occupier) application type may be a perfect alternative.

A joint mortgage, sole proprietor application type would allow for a family member or friend to be named jointly on a mortgage with you, without being required to put their names onto the title deeds of the property. 

This would mean that their incomes could be used in affordability assessment, to boost the amount that you are able to borrow, yet you would still hold full ownership of the property!


Call one of our friendly advisers to discuss this solution on  0800 988 6564.

 Joint Mortgage

 Sole Proprietor

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Berkley Vittoria Independent Financial Services is directly authorised and regulated by the Financial Conduct Authority.  We are entered on the FCA Register No 150186. 

Registered in England No. 2667979. Registered Address: The Stirrups, Claypit Lane, Lichfield, Staffordshire WS14 0AQ.

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.


Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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