Guarantor Mortgages

Struggling to get on the property ladder due to income or deposit constraints? A guarantor mortgage could be the solution. By using a trusted family member or close friend to support your application, you may be able to borrow more or qualify with a smaller deposit. At WIS Mortgages, we guide you through guarantor options—with no broker fees.

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Key Benefits

Boost Borrowing Power:

A guarantor’s income or savings can help strengthen your application.

Lower Deposit Requirements:

Some guarantor mortgages allow borrowing with little to no deposit.

Ideal for First-Time Buyers:

Especially helpful for young buyers with limited credit or low income.

Flexible Support Options:

Guarantors can back the loan using income, savings, or home equity.

No Broker Fees:

We offer fee-free expert advice to help you secure the right deal.

Eligibility Criteria and Requirements.

Who Can Apply?

Are a first-time buyer or have a limited income/deposit
Have a family member or close relative willing to act as a guarantor
Meet basic credit and affordability checks
Are looking to purchase a residential property in the UK

What are the Requirements?

For the applicant:

Photo ID and proof of address
Proof of income (payslips or self-employed accounts)
Deposit evidence (if applicable)
Credit report access

For the guarantor:

Proof of income or savings
Property details (if securing against home equity)
Credit and ID checks

Please note: Meeting these criteria does not guarantee mortgage approval. All applications are subject to underwriting and affordability checks by the lender.

Instant Mortgage Quoting

Use the quick and simple quotation system to get a mortgage quote in seconds.

How the Application Process Work?

Applying for a mortgage through our service is straightforward

Book an Appointment

Book an appointment with one of our advisers to discuss your mortgage requirements. Be transparent about your situation so we make the whole journey much smoother for you.

Download MortgagX app

Download MortgagX app, fill in a few key details, select the recommended mortgage product, upload your documents and relax till we get your mortgage sorted.

Completion

Enter your new dream home!

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Processing times vary depending on lender efficiency and individual case complexity.

Important Information And Regulatory Disclosure

Risk Warning

Your property may be repossessed if you do not keep up repayments on your mortgage.

FCA Authorisation

This service is provided by WIS Mortgages, which is authorised and regulated by the Financial Conduct Authority.

Fee & Commission Disclosure

We act as a mortgage intermediary and may receive commission from lenders. A fee may be payable for mortgage advice, which will be disclosed clearly in advance.

Adviser Disclosure

This content is for informational purposes and does not constitute personalised financial advice. Mortgage advice will be provided after assessing your individual circumstances.

Frequently Asked Questions

Find answers to some of the most common questions about mortgages, applications, and our services.

Yes. While less common than before, several lenders still offer guarantor options for eligible buyers with family support.

Some high-street and specialist lenders offer these products—typically through intermediaries like us.

These are mortgages where a family member (often a parent) agrees to support your loan—either by guaranteeing repayments or offering security like savings or property equity.

Yes. If you default, the guarantor is responsible for covering repayments or may risk their savings or property depending on the type of guarantee.

Typically, a close family member like a parent, sibling, or grandparent with strong credit and stable income or equity.

Not usually. Most guarantors do not own the property or appear on the title deeds—they only support the loan.

The lender may pursue the guarantor for repayment, so it's vital both parties understand the commitment.

Possibly. A strong guarantor can help offset adverse credit, but not all lenders will accept high-risk applicants.

Yes. A guarantor’s mortgage liability may be considered by lenders if they apply for credit themselves.

Yes, if the borrower’s financial position improves. This usually requires a remortgage and affordability reassessment.

Want to Talk it Through?

020 3011 1986 help@wismortgages.co.uk

We will be delighted to speak with you on the phone through our live chat feature now.

*Call us from Monday to Friday (9am to 6.30pm) and Saturday (9.30am - 3pm) We accept applications over the phone