Guarantor Mortgages in Peterborough

Could support from someone close to you help you buy a home? If your income or deposit is limiting your options, a guarantor mortgage or another form of family-assisted borrowing may be worth exploring.

We provide advice on guarantor mortgages in Peterborough, helping you and the person supporting you understand the options and commitments before making a decision.

Check out our reviews

Based on [testimonials_count] Google Reviews

    
 
 
       Posted on Google  
   
   tony peluso 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have used Tony for mortgage advice for many years, and he has also helped several members of my family during that time. He has always been extremely professional, knowledgeable and approachable, taking the time to explain everything clearly and making the whole process as straightforward and stress-free as possible.

The fact that I have been happy to recommend Tony to my own family probably says more than anything else. He is someone I trust completely and I wouldn’t hesitate to recommend him to anyone looking for mortgage advice.
  
 
      Posted on Google  
   
   Chloe Baker 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony and his team are brilliant. Tony is always organised and strives to get the best possible rates! I feel like Tony and his team have his best interests at heart!
  
 
      Posted on Google  
   
   Carrie Lloyd 
 
 
 
 Trustindex verifies that the original source of the review is Google. After my experience with Bespoke on two separate mortgage, I wouldn’t go to anyone else. My life was a complicated journey and not easy to obtain a mortgage after living abroad for years. But Tony was able to go above and beyond, knowing with decades of experiences which lender was the most suitable for their client. Their name Bespoke is not just a marketing trick, they live this out for every person who seeks their advice. They helped my dreams come true and lead with excellence, optimism and integrity. Don’t use anyone else, this company is second to none.
  
 
      Posted on Google  
   
   Louie McGowan 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Bespoke were absolutely sensational. They made things happen that others had struggled to do, whilst keeping us calm and collected with continuous support and guidance throughout the process.

We look forward to working with the team again in the future and would be more than happy to recommend their services to anyone. Thank you again guys!
  
 
      Posted on Google  
   
   NicChrisdamms Damms 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony has always offered me fantastic service for over 15 years now . As a company, I feel Bespoke always goes above and beyond. I would not have a single hesitation in recommending them for your mortgage requirements
  
 
      Posted on Google  
   
   Liz Dolman 
 
 
 
 Trustindex verifies that the original source of the review is Google. We have used Tony from Bespoke Mortgage and Finance Centre since 2014 and would highly recommend Tony.  Very thorough and explains everything to you.
  
 
      Posted on Google  
   
   David Wilson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding service from Bespoke. I had a previous mortgage broker who selfishly got deals that were right for her rather than my  requirements, and her greed ended up with all 3 property remortgages falling through and failing the stress test. Tony and the team expertly repaired the applications with the correct re-mortgage products  and applicable terms. Communication was reassuring during that uncertain time with regular check points and updates. The professionalism and efficiency was first class and I would not use anyone else moving forwards!
  
 
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   Denise Dodd 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
  
 
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   Chris Ruggiero 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tony and the team at Bespoke Mortgages are absolutely fantastic. I consistently return to Tony for support when trying to organise Mortgages and he always pulls through!
  
 
      Posted on Google  
   
   Craig 
 
 
 
 Trustindex verifies that the original source of the review is Google. We've been using Tony and the team at Bespoke Mortgage Centre for years. Down to earth and professional, truly a company I can trust and recommend to friends and family for any mortgage or finance needs. First Class Service every time.

THE BMFC APPROACH

Help for Both Sides of the Decision

We consider the buyer’s finances alongside the circumstances of the person offering support. Our advisers compare suitable guarantor and family-assisted arrangements, explaining how the commitments differ instead of assuming one route fits every family.

We discuss the costs, risks and conditions for ending the support, and help prepare the mortgage application. Any independent legal advice required remains a separate part of the process, so everyone can understand their own obligations before committing.

BEFORE YOU APPLY

A Few More Things to Consider

Explore the details that matter to your decision. If you would like to discuss your own circumstances, our advisers are here to help.

What Does a Guarantor Agree to?

With a guarantor mortgage, another person agrees to meet obligations under the guarantee if the borrower does not pay. The extent of their liability depends on the agreement.

Some family-assisted products instead involve savings held with the lender or security against a family member’s property. These arrangements work differently: savings may be at risk, and a home used as security could face repossession if the obligations are not met.

Does Family Support Guarantee Approval?

Lenders still assess affordability and apply their own criteria. A guarantor does not automatically overcome bad credit or make an otherwise unsuitable application acceptable.

The lender may consider the guarantor’s income, commitments, age and relationship to the borrower. Independent legal advice may also be required before they commit.

How Is a Joint Borrower Different from a Guarantor?

A Joint Borrower Sole Proprietor mortgage allows an additional borrower’s income to support the application without making them a legal owner of the property.

However, all borrowers remain legally responsible for the mortgage repayments. This commitment can affect their ability to borrow elsewhere, so it needs careful consideration.