Can my partner or a family member be my cosigner?

Yes, but if you have shared finances, we need to be extra sure that having this loan wouldn't put either of you under any financial strain, and that you haven't had any problems paying bills in the past.

If you and your partner don't have shared finances, then the normal rules apply and we can accept them as long as they meet our criteria.

A suitable cosigner has a credit score of 700 or more and a good history of paying their bills on time. Homeowners with a lower score can also be accepted if they have a strong payment history. Your cosigner must be able to afford the monthly repayments if you do not make them.