Compare guarantor mortgages

You could get on the property ladder with one of these mortgages with a parent or relative as your guarantor.

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Not every mortgage deal in this table is available with a guarantor. However, every mortgage provider we list does offer at least one guarantor mortgage product. Check with the provider or a broker to see which deals you could get.

83 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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Initial rate type


Vernon 2 year discount remortgage
Maximum LTV
60%
Initial rate
1.49% for 2 years (3.71% discount on SVR)
Subsequent rate (SVR)
5.2% variable
Overall cost for comparison
4.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newbury Building Society 3 year discount
Maximum LTV
75%
Initial rate
1.69% for 3 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.2% APRC
Available in branch only.
More information
Application fee£600 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 3 year discount remortgage
Maximum LTV
75%
Initial rate
1.69% for 3 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.2% APRC
Available in branch only.
More information
Application fee£850 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newbury Building Society 3 year discount shared equity
Maximum LTV
75%
Initial rate
1.69% for 3 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.2% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£600 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 3 year discount shared equity remortgage
Maximum LTV
75%
Initial rate
1.69% for 3 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.2% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£850 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newbury Building Society 5 year discount
Maximum LTV
75%
Initial rate
1.69% for 5 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
2.9% APRC
Available in branch only.
More information
Application fee£600 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 5 year discount remortgage
Maximum LTV
75%
Initial rate
1.69% for 5 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
2.9% APRC
Available in branch only.
More information
Application fee£850 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newbury Building Society 5 year discount shared equity
Maximum LTV
75%
Initial rate
1.69% for 5 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
2.9% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£600 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 5 year discount shared equity remortgage
Maximum LTV
75%
Initial rate
1.69% for 5 years (2.26% discount on SVR)
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
2.9% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£850 with an option to add to the loan
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, in the first year

- 2.00% of the original loan, in the second year

- 1.00% of the original loan, in the third year

Other fees may apply.

Eligibility
Available Direct
Available in England
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Vernon 2 year discount
Maximum LTV
80%
Initial rate
1.79% for 2 years (3.41% discount on SVR)
Subsequent rate (SVR)
5.2% variable
Overall cost for comparison
4.7% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Vernon 3 year discount
Maximum LTV
80%
Initial rate
1.79% for 3 years (3.41% discount on SVR)
Subsequent rate (SVR)
5.2% variable
Overall cost for comparison
4.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, in the first year

- 2.00% of amount paid, between 12 and 36 months

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Vernon 5 year discount
Maximum LTV
80%
Initial rate
1.89% for 5 years (3.31% discount on SVR)
Subsequent rate (SVR)
5.2% variable
Overall cost for comparison
3.9% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, in the first year

- 4.00% of amount paid, in the second year

- 3.00% of amount paid, in the third year

- 2.00% of amount paid, between 36 and 60 months

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Newbury Building Society 3 year fixed
Maximum LTV
75%
Initial rate
2.24% fixed until 29 Sep 2024
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.5% APRC
Available in branch only.
More information
Application fee£300 with an option to add to the loan
Arrangement feeNo fee
Booking fee£300 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, before 29 Sep 2023

- then 2.00% of the original loan, until 29 Sep 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 3 year fixed remortgage
Maximum LTV
75%
Initial rate
2.24% fixed until 29 Sep 2024
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.5% APRC
Available in branch only.
More information
Application fee£550 with an option to add to the loan for remortgage
Arrangement feeNo fee
Booking fee£300 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, before 29 Sep 2023

- then 2.00% of the original loan, until 29 Sep 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newbury Building Society 3 year fixed shared equity
Maximum LTV
75%
Initial rate
2.24% fixed until 29 Sep 2024
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.5% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£300 with an option to add to the loan
Arrangement feeNo fee
Booking fee£300 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, before 29 Sep 2023

- then 2.00% of the original loan, until 29 Sep 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 3 year fixed shared equity remortgage
Maximum LTV
75%
Initial rate
2.24% fixed until 29 Sep 2024
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.5% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£550 with an option to add to the loan for remortgage
Arrangement feeNo fee
Booking fee£300 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of the original loan, before 29 Sep 2023

- then 2.00% of the original loan, until 29 Sep 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Vernon 3 year fixed
Maximum LTV
80%
Initial rate
2.25% fixed until 31 Oct 2024
Subsequent rate (SVR)
5.2% variable
Overall cost for comparison
4.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, before 31 Oct 2022

- then 2.00% of amount paid, until 31 Oct 2024

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Vernon 5 year fixed
Maximum LTV
80%
Initial rate
2.25% fixed until 31 Aug 2026
Subsequent rate (SVR)
5.2% variable
Overall cost for comparison
3.7% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 31 Aug 2022

- then 4.00% of amount paid, until 31 Aug 2023

- then 3.00% of amount paid, until 31 Aug 2024

- then 2.00% of amount paid, until 31 Aug 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Vernon 3 year discount
Maximum LTV
85%
Initial rate
2.29% for 3 years (2.91% discount on SVR)
Subsequent rate (SVR)
5.2% variable
Overall cost for comparison
4.6% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.00% of amount paid, in the first year

- 2.00% of amount paid, between 12 and 36 months

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Vernon 2 year discount
Maximum LTV
90%
Initial rate
2.35% for 2 years (2.85% discount on SVR)
Subsequent rate (SVR)
5.2% variable
Overall cost for comparison
4.9% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Vernon 2 year discount interest only
Maximum LTV
50%
Initial rate
2.39% for 2 years (2.81% discount on SVR)
Subsequent rate (SVR)
5.2% variable
Overall cost for comparison
5.1% APRC
More information
Application feeNo fee
Arrangement fee£499 with an option to add to the loan
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, in the first two years

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end85 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Self Employed Accepted
Newbury Building Society 5 year fixed
Maximum LTV
75%
Initial rate
2.49% fixed until 29 Sep 2026
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.1% APRC
Available in branch only.
More information
Application fee£300 with an option to add to the loan
Arrangement feeNo fee
Booking fee£300 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of the original loan, before 29 Sep 2022

- then 4.00% of the original loan, until 29 Sep 2023

- then 3.00% of the original loan, until 29 Sep 2025

- then 2.00% of the original loan, until 29 Sep 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 5 year fixed remortgage
Maximum LTV
75%
Initial rate
2.49% fixed until 29 Sep 2026
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.1% APRC
Available in branch only.
More information
Application fee£550 with an option to add to the loan for remortgage
Arrangement feeNo fee
Booking fee£300 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of the original loan, before 29 Sep 2022

- then 4.00% of the original loan, until 29 Sep 2023

- then 3.00% of the original loan, until 29 Sep 2025

- then 2.00% of the original loan, until 29 Sep 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Newbury Building Society 5 year fixed shared equity
Maximum LTV
75%
Initial rate
2.49% fixed until 29 Sep 2026
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.1% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£300 with an option to add to the loan
Arrangement feeNo fee
Booking fee£300 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of the original loan, before 29 Sep 2022

- then 4.00% of the original loan, until 29 Sep 2023

- then 3.00% of the original loan, until 29 Sep 2025

- then 2.00% of the original loan, until 29 Sep 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
First Time Buyers
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Self Employed Accepted
Newbury Building Society 5 year fixed shared equity remortgage
Maximum LTV
75%
Initial rate
2.49% fixed until 29 Sep 2026
Subsequent rate (SVR)
3.95% variable
Overall cost for comparison
3.1% APRC
Available in branch only. This mortgage is available for new builds only on the Help to Buy Equity loan scheme.
More information
Application fee£550 with an option to add to the loan for remortgage
Arrangement feeNo fee
Booking fee£300 paid upfront (non-refundable)
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of the original loan, before 29 Sep 2022

- then 4.00% of the original loan, until 29 Sep 2023

- then 3.00% of the original loan, until 29 Sep 2025

- then 2.00% of the original loan, until 29 Sep 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Wales
Max age at term end70 years
Minimum Age21 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison3.72% APRC representative
Initial rate2.30% fixed for 2 years (24 instalments of £741.17pm)Subsequent rate (SVR)3.92% variable for the remaining 23 years (276 instalments of £879.17pm)
Lender fee£584Total amount payable£261,022.71

What is a guarantor mortgage?

It is a type of mortgage designed to let let you borrow the money you need with the help of another person.

Depending on the lender you choose, your guarantor could be a relative or close friend, and they will be liable to repay some or all the mortgage if you cannot.

Unlike a joint mortgage with your parents, you could both lose your homes if you stop repaying your guarantor mortgage.

However, if you pay your guarantor mortgage each month, there is no financial risk to you or your guarantor.

Here is more information on guarantor mortgages

Who can be a guarantor on your mortgage?

Some lenders only accept parents or grandparents as a guarantor, but others are more flexible. Whoever you use, they usually need to:

Use this comparison to find the lowest interest rate for the term you want. Check the lender can accept your guarantor before you apply.

Do you still need a deposit?

You do not need a guarantor mortgage deposit in all cases, but if you have one it could help you get a better deal.

For example, a 100% Loan to value (LTV) mortgage requires no deposit but is likely to charge you a higher interest rate than a 95% LTV mortgage deal with a 5% deposit.

You still need to have enough money to pay for any legal fees or stamp duty for buying your home. Depending on the price of your property, this could cost you thousands.

Find out how much you can borrow before applying for a mortgage

Guarantor mortgages FAQs

Yes, most guarantor mortgage deals in this comparison are designed for first time buyers. Compare all first time mortgages here.

Yes, if your guarantor has a strong credit history and meets the mortgage lending criteria. You can compare mortgages for bad credit here.

No, you have to apply for a buy to let mortgage if you plan on renting out your property.

Yes, but if you want a mortgage solely in your name, you can compare and apply for a self employed mortgage.

Being a guarantor can help your loved one get on the property ladder, but it comes with risks. Here is what to consider before becoming a guarantor.

About our guarantor mortgage comparison

We include mortgages that may accept guarantors from every lender in the UK. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.