Guarantor Mortgages
Struggling to get approved on your own? We have advisors who specialise in guarantor mortgages and can explain how a family member or friend could help you secure a deal.
What is a guarantor mortgage?
A guarantor mortgage allows a family member, or sometimes a close friend, to support your application. They agree to take on some responsibility for your mortgage if you cannot make repayments. This extra backing can help you borrow more, get approved with a smaller deposit, or overcome issues like limited credit history.
There are different types of guarantor mortgages. Some involve securing the loan against the guarantor’s savings, while others use the equity in their property. Not every lender offers these products, and the rules vary depending on your circumstances.
At Online Mortgage Advisor, we have advisors who understand how guarantor mortgages work and which lenders are most likely to accept them. They will explain the options clearly, guide you through the process, and make sure you and your guarantor understand the responsibilities involved.
“Guarantor mortgages can make the difference if you’re struggling to get approved. We explain how they work, what the guarantor’s responsibilities are, and guide you to the lenders most likely to say yes.”
Check your affordability
Use our calculator to see how much you could borrow with the support of a guarantor.
Read our guides
Browse our guarantor mortgage guides to understand who can be a guarantor, how the products work, and what the risks are.
Compare guarantor mortgage deals
Use our comparison tool to see lenders currently offering guarantor mortgage products.
Speak to an expert
Get matched with an advisor who specialises in guarantor mortgages and knows which lenders are most likely to accept your application.
We have advisors who specialise in guarantor mortgages and can help you and your guarantor understand the process clearly. Make an enquiry today.
Our Guides
Expert mortgage guidance tailored for guarantor cases.
Mortgage Tools & Calculators
Professional tools designed to help you understand your mortgage options, compare rates, and make informed decisions about your financial future.
Frequently Asked Questions
Still have questions about mortgages, rates, or the application process? Our comprehensive FAQ section covers everything from first-time buyer queries to complex remortgage scenarios.
To be a mortgage guarantor, you generally need to be at least 21 years old, have a stable financial background, and either own your property outright or have significant equity in one.
You’ll also need a good credit score and a high enough income to cover the mortgage repayments if the borrower cannot. Guarantors should be aware of the potential risk, as they are legally responsible for the mortgage if the borrower defaults.
Yes. The guarantor provides extra security, which can improve your affordability and allow you to borrow more than you could alone.
A mortgage advisor will search the market for you and recommend the best deal based on your situation. They do more than compare rates.
They understand lender criteria, manage the paperwork, and know how to get complex cases approved. With expertise in specialist mortgages and strong lender relationships, they save you time, reduce the risk of rejection, and often access deals not available directly.
Online Mortgage Advisor is an FCA-authorised mortgage broker serving customers nationwide. We match you with specialists who excel in situations like yours.
Over 600,000 borrowers have trusted us to help them find the right deal, and we are rated Excellent on Trustpilot.
Your first chat with an advisor is always free and comes with no obligation.
If you choose to go ahead, fees vary depending on the complexity of your case, but you will always know the cost upfront. You will never be charged without agreeing to it first.
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Find out your best mortgage options today
You’ll have a dedicated team by your side from questions to completion, with clear choices and costs explained upfront. We’ll match you with a mortgage advisor specialising in your unique situation.