Parent guarantor mortgages


Pete Mugleston

To find out exactly what your eligible for and at what rates please or give us a call on 0800 304 7880.

Anyone interested in getting a mortgage with parents help is usually enquiring for 2 reasons:

  1. They don’t have enough deposit
  2. They can’t afford the mortgage they need

In both scenarios it is possible to buy a property with parental support, but this is achieved in different ways.

If you don’t have the deposit together then you can fund it through a parental gift of cash, or via a charge on a family member’s property or savings in the bank – under the various purchase schemes currently available.

If however, the borrower has deposit (via their own savings or a gift) but their income won’t allow them to borrow what they need, then they may be assessed on their parent’s income.

For more info on how this works and for more specific information on guarantors, use the Nav bar on the right to go through our other guarantor articles. In these we discuss the different types of guarantor, how guarantor affordability works and what the maximum you can borrow is, as well as alternatives to guarantor mortgages, and more.


If you want to apply for a mortgage with a guarantor, maybe you want to know if you’re eligible or you’re looking for the best deals, please get in touch and one of our experts will be in touch ASAP. If you require help immediate assistance please apply now or  give us a call.


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