Your guarantor can be a close friend or family member aged between 21-75 years old, but cannot be someone financially linked to you, for example, a spouse. A good guarantor credit history is essential, and it also helps if they are a homeowner. If your guarantor isn't a homeowner - don't worry, Creditplus provide guarantor loans for non-homeowners too, however lenders will look more favourably towards those with homeowner status.