Guarantor mortgages are not common nowadays. A comparable option, known as joint borrower sole proprietor, has become more popular. With a guarantor mortgage, your parents do not become owners of the property like with a joint mortgage. Nevertheless, they are responsible for making the monthly payments if you are unable to do so. In addition, either their property or savings are used as collateral, putting them in financial jeopardy if they are unable to keep up with the mortgage payments. We do this by calculating what you can realistically afford, taking into account all income and expenditure, looking to understand your individual situation and needs, then offer you bespoke advise based on this and our comprehensive expertise. With this information the challenge of finding the right mortgage becomes a little easier.