If you don\u2019t have a suitable guarantor or this type of mortgage is not for you, then there may be other options available to help you buy the property you want.\r\n\r\n<strong>If a lack of deposit is an issue:<\/strong>\r\n\r\nthe new government Help to Buy 2 scheme may be of interest, as this allows you to buy a property with just 5% deposit on a relatively decent rate.\u00a0Alternatively, there are lenders that are happy with you putting your deposit on a credit card or personal loan \u2013 many don\u2019t allow this due to the increased risk, but there are some that do so long as you can prove you can afford all borrowing.\r\n\r\nFor a full breakdown of your options when buying with little \/ no deposit, visit our dedicated <a title="How to get a mortgage with low deposit" href="\/deposits\/low-deposit-mortgages\/" target="_blank" rel="noopener noreferrer">low deposit mortgage page<\/a>\r\n\r\n<strong>If affordability is an issue:<\/strong>\r\n\r\nPerhaps because of your guarantor\u2019s age or income, it may be an idea to consider the following:\r\n<ul>\r\n \t<li><b>Ask another family member - <\/b>It's possible to have someone other than your parents as guarantor, see <a title="Who can be a guarantor?" href="\/guarantor-mortgages\/who-can-be-a-guarantor\/" target="_blank" rel="noopener noreferrer">the list here<\/a>.<b>\r\n<\/b><span style="text-decoration: underline;">\r\n<\/span><\/li>\r\n \t<li><b>Consider a joint mortgage<\/b> \u2013 Having another person on the actual application, so that they would be joint owner of the house. This allows all incomes to be considered, maximising the mortgage amount available. There are lenders willing to consider up to 4 incomes on one mortgage, with pension incomes accounted and some have no maximum age limit, you can read more about <a href="https:\/\/www.onlinemortgageadvisor.co.uk\/mortgage-application\/joint-mortgages-in-the-uk\/">joint mortgages<\/a> in our guide.<\/li>\r\n \t<li><b>Increase your deposit<\/b> \u2013 By increasing the deposit on your property, this decreases the amount you need to borrow from mortgage providers. If you have a proposed guarantor that is willing to help but you have been declined a guarantor mortgage, we may be able to assist. By remortgaging or taking out a small secured loan on their property, you could put more towards your deposit, bringing the size of your mortgage down to a more affordable one, with you taking complete ownership without the need of a guarantor.<\/li>\r\n<\/ul>\r\nWhen you're looking to find a mortgage, parental help can be the best and most appropriate option. But it\u2019s not for everyone.\r\n\r\nTo find out what your options are or to <a href="https:\/\/enquiries.onlinemortgageadvisor.co.uk\/match-me-with-a-specialist-broker">make an application<\/a>, chat it through with one of our experts by calling [telephone].