<prompt> Human: Hi, my girlfriend was hoping to take out a joint ownership mortgage with her brother. He would be renting the property and be paying the mortgage entirely. The only reason she would be on the deeds is so that she could benefit from not being a first time buyer when she eventually does buy. They have come into a snag in that the bank will only allow her on the mortgage if she can prove that she a will be living in the property and b is earning enough to make payments, neither of which are true. So. My question is, if her brother takes put the mortgage alone now, will it be possible for her to buy in to the mortgage down the line? Any advice would be greatly appreciated. Please accept my apologies if this info is easily found with a quick google but I seem to suffer a profound spell of utter confusion when i try to research this stuff. N.B I would love to just ask her brother but he is very hard to reach due to his job. Many Thanks  <response>: There are benefits to BEING a first time home owner. To my knowledge there are NO drawbacks to being a first time buyer, unless she has atrocious credit she is trying to repair. 