Definition
All borrowers are responsible for the mortgage, while only the proprietor or proprietors named on the title own the property. It is sometimes used when family income supports affordability. Lender, legal, tax and estate-planning treatment must be checked for the specific structure.
Practical example
A parent can be jointly liable for the loan without automatically being registered as an owner, subject to lender approval and legal advice.
Why it matters
A non-owning borrower takes repayment liability without receiving the same ownership rights.
JBSP mortgage guideSource and review
Reviewed 16 July 2026. Product criteria and rules can change.
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