Income Booster

For use by intermediaries only. If you are a customer, please visit our consumer website.

Helping people own a home with family or non-family support

Many people find buying their first home challenging, and we understand how significant a barrier affordability can be.

Our Income Booster helps overcome that challenge by allowing family or non-family members to combine income streams and boost affordability.

It avoids many of the complications associated with joint ownership and gives your clients the confidence they need to move forward with purchasing their home.

Who is it for?

Our Income Booster can support a wide range of clients, including:

First-time buyers looking to get onto the property ladder but don't have sufficient income to purchase alone.
Family or non-family members wanting to help a loved one buy a home without joint ownership complications.
Sole proprietors or applicants with multiple income sources who may benefit from extra support to help boost affordability.

Our Key Criteria

Multiple income streams considered

We consider all types of income, including employed, self-employed, contractors, pension, foster income, and more.

View accepted income types

Overtime, bonus, and commission considered

We take income types such as overtime, bonuses, and commission into account to help boost affordability.

Foreign income accepted

We don’t apply a haircut to foreign income, accepting 100% of earnings in most currencies.

Second job income accepted

We accept income from second jobs, making it easier for applicants to boost their affordability.

Accept income from up to 4 applicants

We accept Income Booster applications with up to four applicants and four income types.

Non-family members accepted

We allow non-family members to boost affordability without being named on the property deeds.

Income Booster Case Studies

Find out how we’ve supported clients with real-life case studies.

In this case, we helped two family members secure a mortgage of £605,000 using a Joint Borrower Sole Proprietor arrangement.

See the full story

Securing a JBSP Mortgage Approval for High-LTV Complex Case

In this complex case, we supported a mother in helping her daughter buy her first home by finding a flexible solution that made the purchase possible.

See the full story

Supporting a Mother in Helping Her Daughter to Buy a Home

In this case, we aided a father in his support of his daughter’s first-time buyer purchase using a Joint Borrower Sole Proprietor arrangement.

See the full story

Helping the Next Generation Get on to the Property Ladder

View all case studies

Find out how we’ve supported clients with our Income Booster case studies.

Helping the Next Generation Get on to the Property Ladder

May 15, 2025 Read article

Securing a JBSP Mortgage Approval for High-LTV Complex Case

Mar 31, 2025 Read article

Supporting a Mother in Helping Her Daughter to Buy a Home

Jan 14, 2025 Read article

Helping people own a home with family or non-family support

Who is it for?