How would it effect things if i had a guantor (spelling ), if they were in the mid 40's with there own house (worth circa 280k) and they have no mortgage???

Another option im looking into is a joint mortgage with my mum, but i would make all payments and own the house my mum would just be on the mortgage to enable me to get it.

As for affording the house

I had kinda worked out roughly (all per month)



Mortgage payments - £800
ALL Bills (including net/sky) - £250
Car insurance - £100
Petrol - £150
Other car costs (servicing/tax etc etc) - £150

TOTAL COSTS - £1450

although there could well be some costs i have totally forgotten about LOL (pls add them if i've missed n e thing )

In the average month i get paid £1400 ish, i am also planning on getting a lodger/mate for the spare room, which should be a easy £300 a month, also my gf will be moving in and paying 200-300 a month towards bill/mortgage (although she WONT be on the mortgage, and i'll be making sure she has no rights with regards to the house, she would basically be classed as a lodger) i also have a pretty regular income on the side which guantee's me £200+ a month.

Thats a pretty safe and regular £2200 ish a month, so with my girlfreind helping with food and daily stuff like that

Fair enough it would be tight for the 1st few years, but im sure people have lived on less, and after a few years im likly to be on more money, same with my gf, so i'd have more options open then.

Also if i ever did get into trouble i know both my parents have plently of money about, so i would have somebody to bail me out