Polish Nationals as guarantors

Posted on 8 February 2011 by Gonia

I am looking into buy an apartment on a shared equity scheme with my boyfriend. His salary does not cover the whole amount we would like to borrow and as I am not in full time employment but work ad hoc and rely on my parents, we thought they may act as guarantor for the remaining amount we need to borrow.

They live in Poland and are Polish nationals, is it possible for them to be guarantors?


It is very rare for a Lender to accept a non UK national as a Guarantor for the simple reason that it is near impossible to enforce the conditions of the guarantee. I know of only one Lender who has considered these and then in only for a Lawyer who was going to be able to afford the mortgage in 6 months time when he came out of his probationary period.

Although you say you work on an ad hoc basis have you been in continuous employment, albeit with different employers for the last 12 months? If so it may be possible to get a Lender to consider taking your income into account too. Alternatively, are you parents able to give you a lump sum to bring the mortgage you need down to an amount that can be supported on your boyfriend's salary?

If the answer to either of these questions is yes then I believe you would benefit from speaking to one of our independent mortgage advisers. If you call on 0344 346 3672 and tell the adviser the date of your question, they will be able to look at your situation and take it from there.


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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