If you are unable to obtain a mortgage due to bad credit, a guarantor may help. A family member (or even a friend with certain lenders) can be your guarantor.
In circumstances where a lender can view you as high risk a person backing you can help lenders feel secure. They sign to say they will pay the mortgage and be liable for the debt if you don't pay.
Not all mortgage lenders offer Guarantor Mortgages. Those that do require your guarantor to own property, have a high enough income and a good credit record.
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