Guarantor & Family Support Mortgages
Get on the property ladder with support from family or proven rental history. 100% mortgages, guarantor arrangements, JBSP, family deposit schemes and rental payment-based lending — we'll find the right structure.
Family Help, Done Right
For many buyers, particularly first-time purchasers, family support can make the difference between renting and owning. At Chess Mortgages, we have access to a range of family support mortgage products — from traditional guarantor mortgages to Joint Borrower Sole Proprietor (JBSP) arrangements and family deposit schemes. We'll explain the options, the risks and the responsibilities so everyone involved can make an informed decision.
Family Support Options
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Free, no-obligation consultation. We'll be in touch within 24 hours.
Key Considerations
• Legal implications: Guarantors take on significant financial responsibility. We recommend all parties take independent legal advice.
• Stamp duty: JBSP arrangements mean parents are on the mortgage but not on the deeds, avoiding additional stamp duty in most cases.
• Exit strategy: Most family support arrangements have a route for the guarantor to be removed once the borrower can support the mortgage independently.
How It Works
Initial Consultation
We discuss your situation, income, goals and any concerns — at our expense and without obligation.
Market Search
We search our extensive lender panel including specialist lenders to find the best deal.
Application
We prepare and submit your application, managing all lender communications.
Completion
We coordinate with solicitors and the lender through to completion day.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Chess Mortgages is a trading style of Chess Property Services (London) Limited (Company No. 6575229), authorised and regulated by the Financial Conduct Authority (FCA No. 748976).
Frequently Asked Questions
Ready to Get Started?
Speak with one of our expert advisers today — initial consultation at our expense, and without obligation.