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Buy your home with a Guarantor Mortgage

Voted Britain's Best Mortgage Broker 2022 & 2023. Tembo advises on a range of guarantor mortgages that could help you buy sooner or boost your budget. See how a guarantor mortgage could help you by creating a personalised recommendation with indicative interest rates and repayments.

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British Bank awards 2023 Best Mortgage Broker winner

Discover how much you can really borrow.


Average £82,000 boost to affordability


Voted the UK's Best Mortgage Broker


Available 7-days a week, plus evenings

What is a guarantor mortgage?

A guarantor is someone who supports your mortgage application, using their income, savings or property as security. A guarantor mortgage, also known as a family assisted mortgage, is a great solution for someone who is struggling to afford the home they want to buy.

Mortgage guarantors tend to be relatives, but friends can also guarantee a mortgage. At Tembo, we call guarantors Boosters.

See if I'm eligible

Why Tembo?

We help buyers, movers and homeowners discover how they could boost their affordability in 3 simple steps. It’s why we’re the UK’s Best Mortgage Broker.


What types of guarantor mortgages are there?

Guarantor mortgages come in different guises, but the main types use either a guarantor’s income, property or savings as security. By having security, the buyer is viewed as less of a risk by the lender, which allows you to borrow more.

Income Boost

If your income is what’s restricting your borrowing power, adding a mortgage guarantor’s income to your application will increase the amount you can borrow. We call this an Income Boost. Your Booster won't be on the deeds of the property, but if you are unable to pay the repayments, they'll have to step in.

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Savings as Security

If your Booster does have cash savings, they can be used as security against the property to increase how much you can borrow. It works by your loved one putting their savings in a special account for a set number of years. At the end, they'll get their money back plus interest - as long as you keep up with your repayments.

Dynamic Income Boost

If your loved ones want to help you buy, but get something back in return, then a Dynamic Income Boost could be the solution. They'll be added to your application to boost your borrowing power, so you can get a bigger mortgage. They'll also contribute to the repayments, in return for equity in the home.

Deposit Loan

Boost your house deposit with help from your loved ones. They'll lend you the money you need, in return for a percentage of your home. With a bigger house deposit, you can unlock better mortgage rates or afford a more expensive property.

Find the today’s best mortgage rates

From familiar high-street banks to specialist lenders you’ve never heard of, we work with over 100 mortgage lenders to help buyers like you get a mortgage sooner, and for less.

Our smart technology and award-winning advisors will find you the best product and interest rate from across the market on any given day.

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Compare 20,000+ mortgages from over 100 lenders


LTV: 90.00%

The interest rates shown are an indication only and are not guaranteed. Current rates may have changed by the time you come to apply.

The application process

4 simple steps to getting a guarantor mortgage


Make a Tembo plan

Check your eligibility for a guarantor mortgage and get a personalised recommendation with interest rates and repayments in under 10-minutes.


Talk to an expert

Book a call with our experts to complete the qualification process, and we’ll cover off any questions you might have about guarantor mortgages and any other schemes.


Find a property

Once you’ve found a property, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on your behalf!


Make home happen

During conveyancing, we’ll liaise with the seller and your solicitors to ensure a smooth purchase. We’ll also provide a free protection review for your insurance needs.

Tried, tested, trusted.

We've helped thousands discover what they could afford with a guarantor mortgage. Read 5* rated reviews from some of our happy customers, or create a free Tembo plan to see how a guarantor mortgage could help you buy sooner.

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Frequently asked questions

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Learn more

We've hand picked our top guides to answer your guarantor mortgage questions. You can explore all of our guides in our Mortgage Guides Hub.

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