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Family Guarantee

Supporting those first steps. Looking for an opportunity to buy without raising a deposit? Our 100% Family Guarantee mortgage could be the solution for you.
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Looking to buy without raising a deposit? Our Family Guarantee mortgages offer 100% loan-to-value to help you get on the property ladder, or simply move up.

What is Aldermore's Family Guarantee Mortgage?

For first or second time buyers struggling to get enough cash together for the deposit on their new home, a 100% mortgage could be a lifeline.

Aldermore's Family Guarantee Mortgage is designed for first or second steppers who have little or no deposit but do have a parent, step parent or grandparent able to provide a guarantee secured against their residential property.

Key benefits

  • Simple application process.
  • Available up to 100% Loan to Value (LTV), subject to guarantee.
  • No deposit - enables applicants with little or no deposit to purchase a property.
  • Guarantee - the loan is secured against the guarantor's residential property requiring no cash in the form of a gifted deposit.
  • The amount of the guarantee is capped.
  • A choice of mortgages with a fixed rate for 2, 3, or 5 years.

Please note: the minimum age for applicants is 21 years, and the maximum age of the guarantor is 70 at the end of the 10 year guarantee period. Applicants must be able to afford repayments on the full 100% advance and have a clean credit profile.

Our Family Guarantee Mortgages


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Latest Rating and Reviews

5 Year Fixed Rate Low Deposit Mortgage (95% LTV)

Outstanding !!!!

Well Done Aldermore !!! From start to finish aldermore were brilliant. Easy application. Dedicated mortgage advisor who deals with you from start to completion. No hassle great service polite staff. I wqs worries reading other reviews but dont worry as long as you are not hiding anything be honest you will have no problems.

15th August 2017
3 Year Fixed Rate Low Deposit Mortgage (95% LTV)

First class service from start to finish

From the initial enquiry to the final completion of my mortgage Aldermore provided me with an excellent service. The understood my requirements and gave me great support and made everything clear to me. They kept me up to date on the process, and were a pleasure to deal with. I would definitely recommend to others, and will use them again in future.

8th August 2017 MHS1234
3 Year Fixed Rate Low Deposit Mortgage (95% LTV)

Helpful, simple and would 100% reccomend

I approached Aldermore after receiving a reccomendation that they are able to help people with adverse credit history. I had a couple of defaults from several years ago and just generally poor credit. I called and after checking eligibility with one of their mortgage advisors, Richard, proceeded to apply for the mortgage. The next day I got a decision and was given a mortgage in principle! And now 3 months later I own my very first home! I had the same Mortgage advisor through the whole process who was very helpful and knowledgable and kept things simple. The whole process was very straightforward and I would reccomend this without reservation to anyone.

8th August 2017 Caseface
2 Year Fixed Rate Mortgage (75% LTV)

Perfect

I had nothing but problems with a financial advisor so I went direct to adlermore the service the honesty from the company 5 star made up after hearing bad reviews I was worried but having dealt with them just amazing the leading banks should take a leaf out of this company's book

24th January 2017
2 Year Fixed Rate Mortgage (80% LTV)

Great company for expertise

I already had a product from Aldermore so when I seen the home of our dreams we decided to see what Aldermore could do for us. We had expert advice on the best product that suited our income and outgoings, from application to completion we were kept updated on a daily basis! I can't think of any other bank that would do that! A very personal touch. Very happy

11th January 2017 Mrpat