Guarantor mortgages

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What is a guarantor mortgage?

A guarantor mortgage is where someone else agrees to pay for your mortgage in the event that you can’t. 

This means that you’re much more likely to be accepted for a mortgage and might be able to borrow more than you would on your own, or maybe qualify for lower interest rates.

A guarantor mortgage allows you to secure a mortgage when you either don’t have enough for a deposit or otherwise are in a situation that means lenders are reluctant to lend to you. 

The person or people that act as your guarantor don’t own any share of your property, they’re just agreeing to pay if you can’t.

Why might I need to take out a guarantor mortgage?

Who can be my guarantor?

What is expected of a guarantor?

What are the benefits of a guarantor mortgage?

What credit score does my guarantor need?

Is my guarantor a joint owner of my property?

Do I need a smaller deposit if I have a guarantor?

Can my guarantor be removed from the mortgage at a later date?

What bad credit issues can a guarantor mortgage be suitable for?

Should I improve my credit score before applying for a mortgage?

How can I improve my credit score before getting a mortgage?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.


Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Image of mortgage broker Steve Hatton

Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Image of mortgage broker Carrie Knight

Carrie Knight

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Image of mortgage broker Jonathan Hunting

Jonathan Hunting

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Get connected to a specialist guarantor mortgage broker who can make a mortgage possible for you.

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