Guarantor Mortgages
When you’re close to qualifying but not quite there alone, a parent’s income or savings can make up the difference.
Why guarantor?
A guarantor mortgage lets a family member, usually a parent or grandparent, stand behind your application by putting up their income, savings or property as extra security for the lender. If your own finances fall a little short of what a lender needs to see, a guarantor can close that gap so you can still buy.
They tend to suit [first-time buyers](/mortgage-types/first-time-buyer-mortgages) who earn a reliable income but still need a hand to pass affordability checks, or to reach the amount the home they want actually costs. In most arrangements the guarantor stays off the property deeds. You own the home yourself, and they act as a financial backstop the lender can call on.
At Clearview Mortgage Solutions we work with the lenders who specialise in guarantor arrangements. An adviser will talk you through the options, spell out what your guarantor is taking on, and find a product that sits comfortably with both of you.
Key facts
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Read the guides.
Explainers covering deposits, schemes, the application, and what lenders actually look for.
Guides about Guarantor mortgages
A guide to guarantor mortgages
How guarantor mortgages work, who can qualify, and what the borrower and the guarantor each take on.
ReadFamily deposit mortgages
How family deposit and family springboard mortgages let parents use their savings to help a child buy, without handing the money over for good.
ReadRisks of being a mortgage guarantor
The financial and legal commitments a guarantor takes on, and what to weigh up before you agree to back someone’s mortgage.
Read
Frequently asked.
Usually, yes. Most lenders want the guarantor to own their home, especially for property-based guarantor mortgages where a charge is placed on that home. For savings-based or income-based deals it is preferred but not always required. An adviser can match you with a lender whose rules suit your guarantor.
Talk to a specialist.
guarantor mortgages have their own quirks. Our CeMAP-qualified advisers compare 90+ UK lenders and explain how each one applies to you — no obligation.
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