While JBSP mortgages offer various benefits, it’s essential to consider potential risks. The shared responsibility means that if a payment is not made, it can have implications for all applicants. It is crucial, therefore, that everyone involved is aware of this and that you have a plan in place to reduce any potential risks. The “income boosters” will also need to obtain independent legal advice, to talk through the legal implications, before a mortgage can be secured.

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