⭐ 5★ Google Reviews ✅ 30+ years’ experience 🏦 Access to 170+ lenders
GUARANTOR MORTGAGES FOR FIRST-TIME BUYERS
Struggling to borrow enough on your own? A guarantor mortgage could help you buy sooner and borrow more, subject to lender criteria
Speak to a Guarantor Mortgage Specialist
BORROW MORE
Increase your borrowing power with family support
SPECIALIST LENDERS
Access specialist guarantor mortgage lenders
GET APPROVED
Access specialist guarantor mortgage lenders.
Helping First-Time Buyers Secure Their First Home
STRUGGLING TO BUY YOUR FIRST HOME?
Many first-time buyers are finding that rising house prices and lender affordability checks make it difficult to borrow enough.
You may be experiencing:
❌ Not enough income to borrow what you need
❌ House prices rising faster than your savings
❌ Affordability calculations limiting your options
❌ Being declined by your bank
❌ Difficulty saving a larger deposit
❌ Concern that home ownership is moving further away
It can feel frustrating when you’re paying rent every month but still can’t secure the mortgage needed to buy your own home.
The longer you wait, the harder it can become as property prices continue to rise.
A GUARANTOR MORTGAGE COULD BE THE SOLUTION
If a parent, grandparent or close family member is willing to support your application, a guarantor mortgage may help you:
✅ Increase your borrowing potential
✅ Improve affordability calculations
✅ Access specialist lenders
✅ Buy sooner than expected
✅ Secure a larger property
✅ Get onto the property ladder with confidence
If this sounds familiar, the next step is simply to see what’s actually possible for you.
HOW I HELP FIRST-TIME BUYERS SECURE A GUARANTOR MORTGAGE
- Assess Your Borrowing Potential
I review your income, deposit and circumstances to understand what’s achievable.
- Explore Guarantor Mortgage Options
I search a wide range of lenders to identify suitable solutions.
- Structure The Application Correctly
Getting the application right from the outset can improve the chances of approval.
- Support You Through The Entire Process
From enquiry to mortgage offer, you’ll have direct access to an experienced adviser.
WHY FIRST-TIME BUYERS CHOOSE WEST WALES MONEY
Lyndsey Rowe
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
Helping first-time buyers secure the right mortgage solution
✅ Access to 170+ Lenders
Including specialist lenders offering guarantor mortgage solutions.
✅ Guarantor Mortgage Specialists
Helping first-time buyers borrow more and buy sooner
✅ Personal One-To-One Service
Direct access throughout your mortgage journey
✅ 30+ Years’ Experience
Helping first-time buyers navigate the mortgage process with confidence
You only need one lender to say yes — but it has to be the right one.
HOW THE RIGHT GUARANTOR MORTGAGE CAN MAKE A DIFFERENCE
✅ 1. DECLINED ELSEWHERE — APPROVED WITH THE RIGHT LENDER
A first-time buyer was unable to borrow enough through their bank.
Their affordability assessment restricted the amount available.
👉 By using a specialist guarantor mortgage lender: Mortgage approved
✅ 2. BORROWED MORE — WITH FAMILY SUPPORT
A first-time buyer found the home they wanted but couldn’t borrow enough alone.
A parent agreed to support the application as a guarantor.
👉 By using a guarantor mortgage: Borrowing increased compared with the original lender’s assessment
✅ 3. AFFORDABILITY CHALLENGE — OVERCOME
A buyer had a good income and deposit but failed affordability checks.
Traditional lenders wouldn’t provide the borrowing required.
👉 By choosing the right guarantor mortgage solution: First home secured
👉 You only need one lender to say yes — but it has to be the right one.
A SIMPLE PATH TO BUYING YOUR FIRST HOME
📞 STEP 1: DISCOVERY CALL
Review your income, deposit and circumstances.
🔍 STEP 2: REVIEW YOUR OPTIONS
Find the most suitable guarantor mortgage solution.
📝 STEP 3: MORTGAGE RECOMMENDATION
Receive clear advice tailored to your needs.
✅ STEP 4: APPLICATION & SUPPORT
I manage the process from application to offer.
🔑 STEP 5: GET THE KEYS
Move into your first home with confidence.
Then keep:
👉 You only need one lender to say yes — but it has to be the right one.
FREQUENTLY ASKED QUESTIONS ABOUT GUARANTOR MORTGAGES
👨👩👧👦 Who can be a guarantor?
Most lenders accept parents, close family members or, in some cases, other relatives who meet the lender’s criteria.
💷 Can a guarantor mortgage help me borrow more?
Potentially, yes. A guarantor’s support may improve affordability and increase the amount you can borrow, subject to lender criteria.
🏡 Does the guarantor own part of the property?
Not usually. In most cases, the property remains in your name, although arrangements vary between lenders.
⚠️ What happens if I can’t make my mortgage payments?
A guarantor agrees to support the mortgage if required, which is why lenders carefully assess both parties before approval.
🔑 Can I get a guarantor mortgage with a small deposit?
Some lenders may accept lower deposits, although the amount required will depend on your circumstances and the lender’s criteria.
💬 How do I know if a guarantor mortgage is right for me?
The best way to find out is to speak with a specialist mortgage adviser who can review your circumstances and explain the available options.
FIND OUT IF A GUARANTOR MORTGAGE COULD HELP YOU BUY SOONER
You may be closer to owning your first home than you think
📞 Call me now
Speak directly with Lyndsey Rowe
✉️ Email me
Request a callback at a time that suits you
Eligibility for a mortgage is subject to status, credit checks, and affordability assessments in accordance with FCA regulations.
West Wales Money Ltd is registered with the Data Protection Act 2018 registration No ZA579253 and is authorised and regulated by the Financial Conduct Authority under Firm Reference No: 1005183 as an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference No: 786245 and registered with the Data Protection Act 1998 registration No: ZA178200.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.