Looking at becoming a guarantor for your child or interested in the wider options to help your loved one onto the property ladder?

Giving help to your child to buy a house is expensive and if you do decide to offer your money towards a deposit, both you and your child need to ensure that you are making this decision based on the best advice there is available.

Our team of mortgage experts at John Charcol mortgages have complied this list of the most frequently asked questions about this type of borrowing. If you can’t see an answer below that helps, you can always ask your own question.

Joint Ownership

Is it possible to get a mortgage when I will only own part (half)...

Home for Elderly Relative

My parents are both retired and are about to sell their old home

Mother and Son Joint Mortgage

As part of a settlement for divorce my mother was given the...

Capital Raising for a Deposit

How much deposit do I need?

Guarantor for a buy-to-let mortgage

Is it still possible to get a guarantor mortgage? I would like...

how do we sell a share of our property to our son stay on the deeds and downsize too

Where can my son get a mortgage to buy a share of our house? We...

Mortgages in Trust

My daughter and her partner, due to wed next year, are potential...

Should we use our property as collateral for our son's mortgage?

We are retired and own our home outright. Our son wants to buy...

Can you release equity from your property if your income source is from pensions and rental properties?

We have around £650,000 equity in our main home but only pension...

We’re gifting money to our child, what else do we need to do to help him get a mortgage?

My wife and I are looking to help our son Jason with his first...

Can I release equity from my home for a family buy to let property?

I'd like to leverage the 95% equity in our £800,000 home to raise...

Does John Charcol offer a joint mortgage application with a the option for a sole proprietor?

In a Moneywise article from 2014 it said that John Charcol...

Can our daughter get a guarantor mortgage & put a charge on ours?

Hi, my wife and I own our on home valued at £300,000 without...

Can my brother & I get a mortgage to buy our parents home so they don't have to move?

My parents are retired and have 4 years left on their mortgage...

I'm buying a house with my mother. Can we get a mortgage?

Hello, My parents are midway through a divorce and are selling...

We want to help our son & his wife buy a home. What's the best way to do this?

We are a married couple in our late 50's happy to assist our son...

Can my parents gift us some of their equity for a deposit?

Hi, I still live with my parents. My girlfriend and I wish to...

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