Expert Guarantor Mortgage Advice & Products For Those With Bad Credit

Let us put you in touch with one of our mortgage experts who will give you impartial advice and help you find suitable self-employed mortgage products for you even when you have a bad credit score.

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We work with high street and other lenders so you’ll get access to some of the most suitable deals that you may be able to apply for.

About us

Why use us?

From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.

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From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.

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We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.

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Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.

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Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.

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Whether you’re looking for Mortgage Advice, Loan Advice or Insurance Advice or any other financial product or service, we can help you…

“Did a great job helping us with our mortgage. I would recommend!”

Rob Searcy

So ... how can we help?

Buying a financial product such as a mortgage can be the biggest decision made in our lives. It is for this reason that impartial advice is critical from qualified advisors.

What is a guarantor mortgage?

A guarantor mortgage is a loan for a home where a person, usually a parent or close family member, shoulders some of the risk by acting as a guarantor for the borrower. Typically, this involves them offering their own home or savings as security against the loan and agreeing to cover the borrower’s mortgage repayments should they miss them. Some lenders will allow you to borrow 100% of the property’s value with a guarantor mortgage by using your relative’s collateral in the place of a deposit.

Having a guarantor could help you get a loan if you have bad credit or it could allow you to borrow more for your mortgage. However, the main downside is that the guarantor could be liable for any shortfall if your property has to be repossessed and sold. So, there is a lot to consider when you are looking at the most suitable mortgage options for you. 

If you need further help and guidance get in touch with our team at Finance Advice Centre. Our specialist advisers can find the most suitable deals for your personal circumstances and assist you with the application process to give you the best possible chance of getting accepted for a guarantor mortgage with bad credit.

Who are guarantor mortgages suitable for?

A guarantor mortgage can be the right step if you are looking to buy a property with:

  •       A low income – lenders will determine how much you can borrow based on your income, so having a guarantor could help you get a bigger loan if your income is lower
  •       A small or no deposit – you could possibly borrow 100% of a property’s value with a guarantor mortgage
  •       A bad credit score – a lender might be more inclined to accept your application if you have a guarantor
  •       Little or no credit history – such as if you have never had a credit card

One of our expert advisers can offer you more in-depth advice on whether a guarantor mortgage is suitable for you and your financial situation.

Who can be a guarantor for a mortgage?

Most providers will require the guarantor for your mortgage to be a close family member, normally a parent or guardian. Your guarantor will need to have:

  •  A property or savings – lenders can either hold some of the guarantor’s savings in a locked account or take legal control over a part of their property to secure the mortgage
  • A good credit history – to show providers that they are financially reliable
  • Received legal advice – this is a requirement by some providers to confirm that guarantors understand the risks involved

Our approach - and how we do it


We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!


One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.


Your Advisor will find the most suitable option for you and help arrange things. You then sit back and relax while we do the rest.

Types of guarantor mortgages

Guarantor mortgages all come with slightly different eligibility criteria and names, but they usually fall into one of two categories.

Savings as security

mortgage depositSome providers will offer mortgages where a family member puts cash (normally 5%-20% of the property price) in a special savings account. This money is kept as security for your mortgage for a set number of years until the amount you owe drops below a specific percentage of the property’s value. Your guarantor can earn interest on the money linked to your mortgage, but the rate might be lower than they would get with other savings accounts.

Property as security

These guarantor deals involve a charge being put against their property. Therefore, to be eligible the guarantor will need to own a large portion of their home outright. If the worst happens and the lender has to repossess and sell your property for less than the amount that is left on your mortgage, your family member could be at risk of losing their property.

 A guarantor mortgage with bad credit could be more attainable for you with certain lenders, but it does not guarantee a successful application. The best approach would be to get in touch with us at Finance Advice Centre and our team can put you on track for the right deal for you and give you the best chance of success. 

As a mortgage is secured against your property, it may be repossessed if you do not keep up the mortgage repayments. Think carefully before securing other debts against your home. 

See what our customers think ...

What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……

Ian Stamp

From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend

Ross Nightingale

Let us do the work of finding your mortgage

We’ll put you in touch with impartial advice from an expert mortgage advisor who will help secure you the most suitable mortgage deals available.