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.

FCA Regulated

Extensive Lender Panel

Based in Uxbridge

UK Wide Coverage

24hr Response

5★ Reviews

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

Traditional guarantor mortgage, family member guarantees the mortgage

Joint Borrower Sole Proprietor (JBSP), parents on the mortgage but not on the deeds

100% mortgages with family security, parents pledge their property as collateral

100% mortgages based on rental payment history, no guarantor required

Family deposit schemes, parents place savings in a linked account

Gifted deposit, parents (or other family) gift the deposit outright

Family springboard mortgages, savings held for a period then returned

Offset family mortgages, family savings offset against the mortgage balance

Get Expert Advice

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).

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Frequently Asked Questions

What is JBSP?

Joint Borrower Sole Proprietor means a family member (usually a parent) is on the mortgage to boost affordability but is not on the property deeds. This avoids the additional stamp duty charge that would apply if they were a joint owner.

Can I get a 100% mortgage?

Yes. Some lenders offer 100% mortgages where a family member pledges their property as additional security. Others offer 100% mortgages based on your rental payment history, if you can evidence consistent rent payments, you may not need a guarantor or deposit at all.

Can the guarantor be removed later?

In most cases, yes. Once the borrower can demonstrate they can afford the mortgage independently (usually after a few years of payments), the guarantor can be removed.

Ready to Get Started?

Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.

Book a Consultation 0208 756 1 756