Use a guarantor

Guar - an - tor  (n) A person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.

Adding a trusted third party to your mortgage could be a way to increase the amount you are able to borrow.

This is a major commitment by the potential guarantor and we would insist that he or she takes independent legal advice before proceeding, evidence of which we would need to see.

We have also set some extra conditions to ensure the arrangement is a successful one.

The conditions are:

• The guarantor must be a member of the applicant’s immediate family eg parents, step-parents, or brother/sister.

• The guarantor’s income must be sufficient to cover the full amount borrowed.Any existing commitments the guarantor may have will be taken into account.

How to apply

You need to talk to one of our qualified mortgage advisers. Why not email us and we'll call back at a time to suit you.

Alternatively, call us on 0800 195 1514. 

Lines are open 8am -8pm weekdays and 9am-4pm Saturdays.

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