Frequently Asked Questions

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  4. Why was my guarantor declined?

Why was my guarantor declined?

Unfortunately, in some cases, a guarantor will be declined 😢


  • One reason a guarantor may be declined is if their credit score does not meet the criteria of the lender.
  • If you were applying for a ‘top-up’ loan with your lender, but your guarantor was declined, don’t worry your existing loan is still safe and will continue as normal.
  • It may be due to a change in circumstances by your guarantor, for example, if they are no longer a homeowner.
  • Often you can continue with the top-up loan but will need to find a new guarantor first.


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