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How can I help my children get a mortgage?


Getting onto the property ladder can very be difficult for first time buyers and so many aspiring property owners turn to their parents for help. There are lots of ways you can help your children buy their first home, even if you can’t afford to buy if for them. And it’s not just parents who can help – grandparents or other family members can get involved too.

Potential ways you could help include giving your child the deposit, offsetting your savings against your child’s mortgage or being a mortgage guarantor where you would act as a back up for your child if they defaulted on their mortgage loan. Whatever you decide to do make sure you can afford it. Although you want the best for your kids make sure you don’t overstretch your own finances in the process. Your own financial stability and a comfortable retirement is just as important.


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