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By Pete Mugleston | Mortgage Advisor

Pete has been a mortgage advisor for over 10 years, and is regularly cited in both trade and national press.

Updated: 26th June 2020*

Usually the guarantor on a mortgage is required to have some form of family tie. This is because the lender has a responsibility to ensure the person offering the guarantee is doing so legitimately, so only allowing relatives to be guarantors helps avoid fraudulent applications and complications later down the line.

  • Parents, Adoptive parents, Step parents
  • Grandparents
  • Brothers & sisters
  • Aunts & uncles
  • Any other close blood relative

For more about guarantors read this article.  Keep in mind they aren’t always limited to blood relatives however, and occasionally if there’s a good explanation, some lenders may consider a non-blood relative as a guarantor (Step/foster parents etc).


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 call 0808 189 2301.


Updated: 26th June 2020
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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The info on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs. Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.