Mum as Guarantor

Posted on 2 November 2017 by Caroline Stead

I am separated from husband who is prepared to take his name off mortgage and walk away from his share. My income will not cover the mortgage. Can my mum who is 66 has a house without mortgage worth approx £200k and money in the bank be a guarantor?

Hi Caroline,

Having your mum as guarantor is certainly an option to look at, however without knowing more about your situation, I can't say whether it would be the best option for you.

If you'd like to talk through your enquiry, then please get back to me, and I'll arrange for you to speak to one of our consultants.

Answers provided in response to Ask the experts are based on the information provided and do not constitute advice under the Financial Services & Markets Act. They reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.

We recommend you seek professional advice with regard to any of these topics where appropriate.


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