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NatWest Improve Affordability Model, Launch JBSP Option

Journalist: Justin Moy, Contributing Editor

ended 28. April 2025

NatWest has just announced a couple of improvements to their mortgage offering, with an improved Affordabilty calculation allowing borrowers the potential to increase their loan size, and for help buying via a new Joint Borrower Sole Proprietor Scheme : 

Both improvements are the latest in a line of affordabilty improvements, and different ways First Time Buyers can buy property that may normally be a little out of reach.

Your thoughts and comments on this big news from NatWest :-)

4 responses from the Newspage community

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Editor
Katy Eatenton
Mortgage & Protection Specialist at Eatenton Finance
This is a great offering from Natwest, whose rates are at the lower end of the scale at the moment.
This is further proof the lenders are really trying to make Mortgages more accessible by changing criteria.
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Pete Mugleston
Mortgage Advisor & Managing Director at onlinemortgageadvisor.co.uk
This is more great news for borrowers, and first-time buyers in particular. Lenders have really been pushing the boat out recently, and Natwest are the latest to make some big offerings to borrowers. The new Joint Borrower Sole Proprietor Scheme should help more people move on to the property ladder. At the same time, the criteria changes are welcome and highlight that lenders are making changes that benefit borrowers, not just their bottom line.
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Harry Goodliffe
Director at HTG Mortgages
Big moves from NatWest today! Making it easier to borrow more and get family help on board. Exactly what the market needs. Improving their affordability and launching a JBSP option is a smart play, especially when so many first-time buyers are feeling priced out. It's another sign that lenders are waking up to the real challenges buyers face. It won’t be the right fit for everyone, but it gives buyers more ways and help, to make their property dreams a reality.
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Sean Horton
Managing Director at Respect Mortgages
NatWest's two-pronged approach shows lenders are finally listening to the FCA's push for more flexibility for first-time buyers. The Family-Backed mortgage helps first-timers get on the ladder while keeping ownership solo - smart move.

Family support has been increasingly important for a lot of first-time buyers, but this formalises it without parents having to gift deposits or become joint owners. It's the best of both worlds - borrowers get the financial muscle of mum and dad's income while maintaining independence.

Their affordability tweak means borrowers can squeeze out up to £33k more, matching similar shifts from Halifax and Santander.

With rates steadying and more options emerging, the mortgage market's getting friendlier for those previously stuck on the sidelines.