⭐ 5★ Google Reviews ✅ 30+ years’ experience 🏦 Access to 170+ lenders
CAN'T BORROW ENOUGH TO BUY YOUR FIRST HOME?
A Guarantor or Family Assist Mortgage could help you borrow more and buy sooner
Find Out If You Could Borrow More
BORROW MORE
Increase your borrowing potential with family support
SPECIALIST LENDERS
Access lenders offering Guarantor and Family Assist mortgages
IMPROVE APPROVAL CHANCES
We match you with lenders suited to your circumstances
Helping First-Time Buyers Secure Their First Home
CAN'T BORROW ENOUGH TO BUY YOUR FIRST HOME?
Many first-time buyers can afford the repayments, but lender affordability rules mean they still can’t borrow enough to buy the home they want.
You may be experiencing:
⚠️ You can’t borrow enough.
⚠️ House prices keep rising.
⚠️ Affordability checks are limiting your borrowing power.
⚠️ Your bank has turned you down.
⚠️ Saving a larger deposit is taking too long.
⚠️ Home ownership feels further out of reach.
You’re paying rent every month while your dream of owning a home moves further away.
You don’t always have to wait years to buy your first home.
The good news is that a Guarantor or Family Assist Mortgage could help you borrow more and buy your first home sooner.
HOW A GUARANTOR OR FAMILY ASSIST MORTGAGE COULD HELP
If a family member is willing to support your application, a Guarantor or Family Assist Mortgage could help you borrow more and buy your first home sooner.
✅ Borrow more towards your first home
✅ Improve your borrowing power
✅ Access specialist mortgage lenders
✅ Buy your first home sooner
✅ Consider homes you previously couldn’t afford
✅ Get onto the property ladder sooner
Find out whether you qualify and discover how much you could borrow with the right lender.
HOW DOES A GUARANTOR OR FAMILY ASSIST MORTGAGE WORK?
With the support of a family member, you may be able to borrow more and buy your first home sooner.
🏠 Guarantor Mortgage
A family member guarantees your mortgage to improve affordability.
🏦 Family Assist Mortgage
A family member uses savings as security instead of gifting a deposit.
👥 Joint Borrower Sole Proprietor Mortgage
A family member joins the mortgage to increase affordability without owning the property.
We’ll help explain which option may be most suitable for your circumstances.
WHO COULD BENEFIT FROM A GUARANTOR OR FAMILY ASSIST MORTGAGE?
A GUARANTOR OR FAMILY ASSIST MORTGAGE COULD BE SUITABLE IF:
✅ You’re buying your first home.
✅ You can’t borrow enough on your own.
✅ A parent, grandparent or close family member is willing to support you.
✅ You have a small deposit.
✅ Rising rent is making it harder to save a bigger deposit.
✅ Your bank has said you can’t borrow enough.
EVERY LENDER HAS DIFFERENT AFFORDABILITY CRITERIA
How much you could borrow depends on your income, deposit, credit history and the support your family can provide.
Many buyers are surprised to discover they have more options than they expected.
WHY FIRST-TIME BUYERS CHOOSE WEST WALES MONEY FOR THEIR MORTGAGE
Lyndsey Rowe
Mortgage & Protection Adviser
CeMAP & CeRER Qualified
30+ Years’ Experience
Choosing the right mortgage adviser can make all the difference when you’re trying to buy your first home.
At West Wales Money, I compare over 170 lenders, including specialist lenders offering Guarantor and Family Assist Mortgages, to help you find the right mortgage for your circumstances.
✅ ACCESS TO 170+ LENDERS
Including specialist lenders who may offer more flexible borrowing solutions than many high street banks.
✅ SPECIALIST MORTGAGE ADVICE
Helping first-time buyers borrow more when standard affordability checks fall short.
✅ PERSONAL ONE-TO-ONE SERVICE
You’ll deal directly with Lyndsey from your first enquiry through to mortgage completion.
✅ 30+ YEARS’ EXPERIENCE
Helping clients secure the right mortgage with expert advice for over 30 years.
Find out if a Guarantor or Family Assist Mortgage could help you borrow more and buy your first home sooner.
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 — my job is to help you find the right one.
Frequently Asked Questions
Everything you need to know about Guarantor and Family Assist Mortgages before you apply.
🏡 Do guarantor mortgages still exist?
Yes. Although fewer lenders now offer traditional guarantor mortgages than in the past, they are still available through selected lenders. Depending on your circumstances, there may also be alternatives such as Family Assist Mortgages or Joint Borrower Sole Proprietor mortgages. The most suitable option will depend on your income, deposit and the level of support available from your family.
🤝 Can I use a guarantor to get a mortgage?
Yes. A guarantor may help if your income is not quite enough to borrow the amount you need or affordability is limiting your options. Not every lender offers guarantor mortgages, so it is important to receive advice on the most suitable lenders for your circumstances.
📈 Can having a guarantor help me buy a home?
Potentially, yes. A guarantor can help strengthen your mortgage application and may improve affordability, allowing some buyers to borrow more than they could on their own and buy their first home sooner.
🔍 Is it hard to get a guarantor mortgage?
Guarantor mortgages are generally more specialist than standard mortgages because both the borrower and the guarantor need to meet the lender's criteria. However, with access to specialist lenders and the right advice, there may be more options available than you realise.
👨👩👧 Can a family member be my guarantor?
Yes. Parents are the most common guarantors, although some lenders may also consider grandparents or other close family members. The guarantor will normally need sufficient income or assets and must meet the lender's eligibility requirements.
❤️ Can my parents be a guarantor for me?
Yes. Many first-time buyers receive support from their parents through a guarantor or Family Assist Mortgage. Depending on the lender, this may help improve affordability and increase the amount you can borrow.
⚠️ What are the disadvantages of having a guarantor?
A guarantor accepts legal responsibility if the borrower cannot maintain the mortgage payments. This means the arrangement should be carefully considered by both parties before proceeding.
💡 What if I don't have a guarantor?
You may still have options. Depending on your circumstances, you could qualify for a Family Assist Mortgage, a Joint Borrower Sole Proprietor mortgage, shared ownership or another specialist mortgage solution.
Ready to Find Out What's Possible?
Every lender has different criteria, and the most suitable mortgage will depend on your circumstances. Speak directly with Lyndsey Rowe to find out whether a Guarantor or Family Assist Mortgage could help you buy your first home sooner.
📞 Speak To Lyndsey Today⭐ 5★ Google Reviews ✅ 30+ years' experience 🏦 Access to 170+ lenders
READY TO FIND OUT WHAT'S POSSIBLE?
A quick mortgage review could show how much you may be able to borrow.
📞 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.