Guarantor Mortgages
A parent’s income or savings can bridge the gap when you’re close but not quite there alone.
Why guarantor?
A guarantor mortgage allows a family member — usually a parent or grandparent — to support your mortgage application by using their income, savings, or property as additional security. If you can’t meet a lender’s affordability requirements on your own, a guarantor can help bridge the gap and make homeownership possible.
These mortgages are particularly popular with [first-time buyers](/mortgage-types/first-time-buyer-mortgages) who have a steady income but need a little extra support to pass affordability checks or to borrow enough for the property they want. The guarantor doesn’t usually go on the property deeds, meaning you own the home outright while they provide a financial safety net for the lender.
At Clearview Mortgage Solutions, we work with lenders who specialise in guarantor arrangements. Our advisers will explain the options, the responsibilities involved, and find the right product for both you and your guarantor.
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
A complete overview of guarantor mortgages, how they work, who qualifies, and what responsibilities are involved for both parties.
ReadFamily deposit mortgages
How family deposit and family springboard mortgages work, where parents use their savings to help children buy without gifting money outright.
ReadRisks of being a mortgage guarantor
What guarantors need to understand about their financial and legal obligations before agreeing to support a mortgage application.
Read
Frequently asked.
Most lenders require the guarantor to be a homeowner, particularly for property-based guarantor mortgages where the lender places a charge on the guarantor’s property. For savings-based or income-based guarantor mortgages, homeownership is preferred but not always essential. Your adviser can match you with a lender whose requirements suit your guarantor’s situation.
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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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