Tenant Guarantor Form & Guide

Buy A Tenant Guarantor Form

The information in this post applies to residential tenancies in England and Wales.

Page contents:

What is a Tenant Guarantor Form?

A Guarantor form acts as a legal piece of insurance to typically protect the landlord against rental loss, damages and any ensuing legal fees that is incurred by a tenant. The Guarantor form is a legal contract enforcing the agreement.

Putting a Guarantor agreement in place is required by many landlords as it provides a thick layer of security for landlords at no real extra cost.

The guarantor form is NOT a substitute for an Assured Shorthold Tenancy Agreement contract; it should always be a supplement to the tenancy agreement.

Download a Guarantor Form

The wording of the Guarantor form is important as it is a legal contract and can be used to enforced by the courts according to how it is worded, so it is crucial to use one from a reputable source. It is strongly advised to seek legal advised from an expert before using any guarantor contracts.

The Guarantor forms available for download on this website have been written by Stones Solicitors LLP. They are listed as a Top 200 Law Firm and is recognised by the two leading independent directories, Chambers and the Legal 500. Stones have expert solicitors specialising in landlord law. Purchase one of our Tenant Guarantor forms for just £3.99, and reuse it as many times as you wish.

What is typically found in a Guarantor form?

While Guarantor forms/contracts differ from one another, they all generally contain the same core information, which is as follows:

  • Date – the date at which the Guarantor form was signed
  • Guarantor – the name of the Guarantor
  • Landlord – the name of the landlord
  • Tenant – the name of the tenant that is being Guaranteed
  • Property – the address of the property that is being rented
  • Tenancy Period – the start and end date of the fixed terms of the tenancy
  • Rent – how much rent is being paid
  • Guarantee Terms – the terms of the guarantee
  • Guarantor’s Obligations – a list of obligations the guarantor is agreeing to
  • Signatures – the Guarantor’s signature. It is also recommended to get a signature from a witness.

What is a Tenant Guarantor?

The “Guarantor” is the person that chooses to accept the liability on behalf the tenant in the event of the tenant being unable to meet their obligations under the tenancy agreement, whether it is for rent arrears or damage to the property. The Guarantor is legally bound to accept the liabilities on behalf of the tenant.

Who can act as the Guarantor?

A “Guarantor” is usually a friend or family member of the tenant that has agreed to vouch for the tenant and accept the liabilities on behalf of the tenant. But essentially, anyone can. However, the landlord also has the right to deem any prospective Guarantor as being unsuitable. While the landlord can’t force the tenant to find another Guarantor, the landlord can refuse to give tenancy based on the Guarantor candidate. This maybe the case if the Guarantor has a low income, and is unlikely to be able to cover the tenant’s liabilities.

Being a Guarantor is not a task that should be taken lightly; when a guarantor enters into an agreement he or she normally agrees to meet the full obligations under the tenancy agreement on the tenant’s behalf. So it is imperative the Guarantor understands their responsibilities and the risks involved.

In any case, Guarantors should be verified with a credit check, to ensure they are suitable.

Finding a suitable Guarantor

Finding a suitable guarantor is often as equally important as finding a suitable tenant for many landlords.

If the chosen guarantor hasn’t got a job, money or any assets, it will make it extremely difficult for them to cover any outstanding costs incurred by your tenant, so they effectively become pointless.

In order to find a suitable guarantor, it’s always worth getting a prospective guarantor to complete a guarantor application form, so you can assess whether or not they will be suitable. The application form will ask questions related to employment and salary.

If the guarantor doesn’t seem suitable, you may either want to ask your prospective tenant to find someone more suitable or find a tenant that’s able to find someone more suitable.

How much does a Guarantor have to earn?

The standard amount tends to be three times the annual rent. Slightly higher than tenants, generally because they have their own dependencies/financial obligations. So, if the rent is £850, the guarantor is usually expected to earn at least £30,000.

Why do I need a Guarantor?

Guarantors aren’t legally required to form a tenancy. In fact, many landlords don’t require tenants to have one. However, it’s advised to always have a Guarantor in place. Not only do they provide the landlord with that extra security, but it also gives the tenant a better chance of being accepted by the landlord because tenants that can provide a Guarantor are a lot more desirable than those that can’t. That’s extremely useful when multiple prospective tenants are competing for the same property. The landlord is most likely to opt for the tenant which provides the least amount of risk.

When should I use a Guarantor?

It is most common for the landlord to require a guarantor when the tenant has a low credit score or low income. Parents of young people or students are also often asked to guarantee their children’s rent. However, it is becoming increasingly common for landlords to require a guarantor regardless of the tenant’s income and credit score.

Parents need to be careful when being a Guarantor for their child in joint tenancies or groups because they usually carry joint and several liability. This means that the parent is essentially guaranteeing all the other residents as well, not just their child.

What if my tenant falls into arrears?

In the event where the tenant falls into arrears and/or needs to repay any other outstanding debts, the liability falls onto the Guarantor.

If the guarantor fails to cover the costs, then the landlord can take legal action against the guarantor. So it is always important to ensure the guarantor has sufficient collateral before allowing them to be the guarantor. A lot of landlords hold a strict screening process for acceptable guarantors e.g. a well-paid job and owning a property are common prerequisites.

Types of Guarantee

There are two types. The first one, the Guarantor clauses are found as part of the Tenancy Agreement Form (with in the same contract). In this case, the tenant, landlord and guarantor sign the tenancy agreement. The other type is a deed of guarantee, which involves a separate contract; almost like another tenancy agreement, but for the guarantor, which specifies their obligations.

When and who signs the Guarantor form?

The landlord, Guarantor and witness of the Guarantor are usually required to sign the contract for it to be properly executed, this is especially true for a dead of guarantee. The witness should also print their name, address and occupation, and should be present when the Guarantor signs the contract.

The guarantor should be provided with a copy of both the deed of guarantee and the tenancy agreement, so they’re clear about their liabilities and obligations.

How do I stop being a Guarantor?

There’s a more detailed blog post on this discussion over here, How Do I Stop Being A Tenant Guarantor?

Buy A Tenant Guarantor Form

237 Comments- join the conversation...

Showing 187 - 237 comments (out of 237)
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alice 7th April, 2011 @ 18:19

hiya, im asking for my friend!
she needs a flat but cannot get one due to not having a garantor or anything like that
her kids r well its a long story but she needs a flat to get them back!
how can she get a 2 bed flat without needing this!

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nicky kaur 24th April, 2011 @ 17:22

I see a place and paid £270 referencing fee, and to hold the place, have to et referencing forms within 3 days. Paid on a saturaday, its bank holiday monday so by wednesday. My gauarntor that i was going to use now is unable to prove earnings as self employed. Can i get my referencing fee back as i have not signed nothing, no referencing forms have been filled?

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margaret watts 19th May, 2011 @ 17:29

i was gaurantor for my uncle who has passed away and still had two month to run on his tenency could anyone tell me what my legal position is regarding the rent for the two months ?

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John Jenkins 27th May, 2011 @ 08:28


I acted as Guarantor for my best friend when he & his family rented a property about 5 years ago.

I have never had any problems with this & actually forgot all about it until I received a letter from the letting agency.

The letter stated that they signed a renewal aggreement & that I am still obligated to be their Guarantor.

My question is how do I now opt out?
I feel that 5 years is enough time for them to prove that they are good tennants & there should be no need for me to be liable, sureley there is a limit to how lnog you have to be accountable for.

Apart from that I have never been asked to sign any new contracts & I believe the cost of the rent has also changed a few times over the 5 year period. Does this mean that the contract should now be void?


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JDM 27th May, 2011 @ 18:12

I agreed to become a guarantor to my girlfriend when she moved from a council flat to a 3 bed detached. I was living there part of the week, but also live and look after my elderly mother (a paid for property). However the girlfriend has now become the ex-girlfriend after moving her 17yr old son AND his homeless mate into the property, neither of whom work. It was rented from October 2010 and I got a letter in April saying I didn't need to resign a form, since then we have split. Where do I stand as I am no longer willing to be the Guarantor on an £800 a month property I have nothing to do with.

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alison 22nd June, 2011 @ 14:29

have read through all the comments and have found the site really useful.
i agreed to be a guarantor for my daughter and her partner in January 2011. its an assured shorthold tenancy agreement for 12 months it says that the term is to include a statutory periodic tenancy so i take it this means that the tenancy may continue after the year without resigning anything? i have already had problems with my daughter not paying rent and have already had to back her up and its causing so must stress on me i therefore wouldn't recommend anyone being a guarantor for a start. anyway after the year has expired and the tenancy becomes periodic can i give notice before the year is up to state that once the tenancy goes into periodic i no longer wish to be a guarantor?

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phil 22nd June, 2011 @ 16:15


As I understand it - If you do nothing, guarantee will remain valid while the tenancy continues AND after the 12 months term unless/until the rent is increased. So you must give written notice as early as possible (even now) to advise that you are only prepared to guarantee to the end of the 12 month AST and that you are not prepared to guarantee after that, so the landlord can either terminate at the end of 12 months or renew without a guarantee. Suggest you send to Landlord and Agent by Rec delivery.

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Mike 23rd June, 2011 @ 12:27

Three years ago, my sister signed a one year lease. I signed a form to be a guarantor. However, the form that I signed stated that the duration of the guarantor status was to remain in effect as long as my sister occupied the apartment. The lease expired, my sister signed another year, and that too expired. She now is renting on a month to month basis. My question is...am I still legally responsible as a guarantor, even though she is on a month to month basis? Or is the orginal guarantor form from 3 years ago legally binding? Does that mean that I'm "stuck" until my sister moves out?

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Sue Livings 9th July, 2011 @ 18:15

I was tricked into signing as a guarantor by a friend and her Landlord who both assured me it was just a reference. When I found out what it meant I immediately wrote and notified the Landlord, prior to the tennant moving in, that I was not prepared to stand as guarantor. The Landlord refused to give me a copy of the agreement or terminate it. He then let the tennants move in 2 weeks early before the matter was resolved.

As I cannot get a copy of what they say I signed, although it was not witnessed at the time, where do I stand?

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kyriakos 11th August, 2011 @ 11:52

can the guarantor be my father ???? (he does not own a house in UK)

The Landlord Avatar
adm1n 11th August, 2011 @ 12:34

@kyriakos It's up to the Landlord, or in some cases the Letting Agent.

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Brenda Russell 27th August, 2011 @ 10:48

I went guarantor for my daughter and her boyfriend, it was a 2 year lease however after one year she left and gave the Landlord a letter explaining she has left the property due to Domestic Violence but paid the rent for the next 2-3 weeks as a gesture of good will. The Landlord now expect me to carry on being guarantor for her ex-boyfriend which I feel is totally wrong I mean how can I pay his rent knowing he what he has done to my daughter, is there any way I can get out of this Guarantor agreement.

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Sharon 19th September, 2011 @ 06:06

How does a guarentor cover themselves if a person defaults is there an insurance policy they can take out???

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lucy 3rd October, 2011 @ 13:48

hi could you help me... i have my tennancy agreement and it says :the tenancy shall be from and including the 24th sep 2010 (the commemcement date) to and including 23rd march 2011 (the expiration date)term of 6 months. Iam still in this property and didnt re new my tenancy and have never spoke about it to the landlord. Now she wants me out so want her to take my last months rent from deposit,but she said she will take my father the guarantor to court,im moving in 3 weeks can she do that??

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sonia 9th October, 2011 @ 21:14

I signed as guarantor for my daughters boyfriend as his job was new, my daughter had a reference so had her guarantee from them. They have now split up after one month!! he was abusive towards her, the landlord heard this and has kindly agreed to give them one months notice, of which i have just had to pay £400, enough time for him to find somewhere else, my daughter having to come home, however he will not sign to release me from being his guarantor as wants his rent paid!!!! what can i do, any suggestions please

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victoria 10th October, 2011 @ 13:36

Hello, my partner and myself took on a private rent property Sept 12th 2010,till sept 12th 2011, we are still currently at the property ,have not signed another tenancy,(we had hoped to of found a new property when the contract ran out ).
my partners father agreed to be gaurantour for us ,when we first took on the tenancy but due to personal circumstances he no longer wishes to be gaurantour could someone please let us know where he stands , thank you

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Bev Coles 19th October, 2011 @ 16:56

My sister has asked me to be guarantor for her new property and although i have regular income coming in on a monthly basis, i do not own my own house and i have read on many sites that this is one condition that needs to be satisfied in order to be a guarantor.

Is this correct?
Thanks for your attention to this

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Kelly 22nd October, 2011 @ 20:09

I have lived in the same private rented property for 2 years,I have always signed a 6 months contract with the letting agent,my dad agreed to be my guarantor when I first signed my contract,but now he wants to withdraw we have sent a letter to the letting agent but that have said its not as easy as that,but bearing in mind I have not signed a contract for at least 6 months as I am now doin month to month, so could you please advise me how my dad can get out of bein my guarantor thankyou

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Janine 25th October, 2011 @ 16:03

Hi there, jsut looking for a little advice.

I am the guarantor of a friend's mother. The tennancy agreement was for a year, and the rent has been put up without my knowledge. In both cases I have had no new paperwork to sign.

Today her estate agent called saying they are short on rent and saying I'd probbaly have to pay it if they didn't.

I've asked her to send me the original forms that i signed, because from what I've read here I am not legally bound to be the guarantor anymore due to 1, the rent increase and 2, the tennancy renewal? But she said that I didn't sign for a fix term, I signed for period of residency.

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kay 25th October, 2011 @ 19:18

hi my mother has been renting with her partner for the last 11 months of an 18 month contract, her partner is now decided to move out, will he still have to pay his half of rent? as he is on the lease and sighned the paperwork.

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Maxi 26th October, 2011 @ 23:46

I am a DSS tenant and i want to move to Manchester,where my son is.
We have no problem with the bond and rent but i am 58 and no idea who could be a guarantor for me my son is with an IVA so he can't, this is the only thing stopping me.
I do not have any rent arrears or outstanding bills everything is paid to date, my current landlady will give a good reference for meand so will a previous one. What can I do

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G.t 30th October, 2011 @ 19:53

My guarantor has signed a guarantor form 3 years ago but there isn't any date about the period of a tenancy. Which it was 6 month. After that we have signed only 2 contract but our guarantor hasn't signed anything since. Some people said that because there isn't any date to state the period of tenancy he will be liable as my guarantor till I am in this flat. Can you please tell me if he is or not?

Thank you.

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Becks 8th November, 2011 @ 09:56

hi i own my home with my boyfriend and a yr ago we were put on the spot to become hi brither an gurlfriends gyrantor as they had a baby on the way and literally NOBODY else met criteria to be able to be gurantir, so we have acted as gyrantor for the forseeable future really! Now his sister, a yr on from
This has asked the same of us as she has found herself in the exact same situation! I dont want to do it as i feel acting as gurantor for one is risky enough never mind a second one, where do u draw the line? Will his final brother come to us next yr too? My partner feels he has to say yes as she has nowhere to live and seriously has nobody else she can ask! Basically i want to know, are you actualky physically allowed to act as a gurantor for more than one person at the time or is there a limit?! Thanks becks

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d hill 21st November, 2011 @ 15:12

I need advice - I helped out a friend last year and became guarantor for 6 months this ended in June 2011 - she recently had an eviction notice which she ignored & the landlord did not want to spent £1000 to take her to court.. I no longer speak to her and I am currently trying to get out of the contract but the letting agent states that in the guarentour agreement it states that you are liable for
all the time she is in the property it is not possible unless she leaves in the case of any extended, renewed or regranted tenancy.

How can I get out this agreement - how can a letting agent do this - am I tied in until she leaves


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d hill 22nd November, 2011 @ 10:52

If the guarantor deed was witnessed & signed by the letting agent, does that mean the deed is infective as it need to be someone not relating to the tenancy

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alison fry 20th December, 2011 @ 21:50

i signed to be a guarantor for my daughter and her partner a year ago and i have just found out that my daughter has come off of the tenancy and that her partner has signed a new year tenancy on his own as the year was up and a new agreement had to be signed. i have not seen the new agreement or signed any new paperwork so does this mean i am no longer the guarantor as i did not see the new paperwork or sign so i have no idea what i would be agreeing to.please would you advise me as to what i should do? should i write to the agent that did the new agreement to get it in writing?

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Ben 24th December, 2011 @ 05:50

hello im in desperate need of help!

I moved into a flat last september with a friend, my dad acted as my guarantor and my friends mother failed the credit check, but they let us move in anyway. Cut a long story short she got us kicked out by not paying rent...I let the estate agents know it was her, as did she and they haven't bothered me or my father since. (March 2011) Then suddenly yesterday (December 2011) the actual landlord, not the agents, sent my dad a final demand for the money.

I'm guessing this is due to her ignoring their demands so they'll try to get it off him now? But the tenancy was terminated on eviction and they didn't ask for anything at the time and also told me he was not liable and she was, also the guarantor form was not witnessed and wasn't signed in person by my father. I also have a suspicion they do not have her home address.

What should we do?

Cheers, Ben.

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Maria 23rd January, 2012 @ 15:53

I would check with a solicitor

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Benji 23rd January, 2012 @ 19:03

Ben, If your Father hasnt signed, then there is nothing for him to worry about (I assume he hasnt given anyone power of attorney).

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freefall 29th January, 2012 @ 14:30

Who are you supposed to use as an 'independent' witness? If it's supposed to be independent then I can't use a friend or member of my family and I assume the same goes for the tenant. I'm not using a letting agency so can't use them. Is the only option to pay a solicitor? Seems a bit much.

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steven 10th March, 2012 @ 17:40

im a guarantor for a family member, who has fallen onto hard ti mes,they are now being paid by beneifits and are in £400 arrears, ive asked the estate agent and given them 4 weeks notice of my termenation of gaurantor, the estate agency say i cant have my name removed because they are in arrears, how do i cancle this,

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Jeremy 10th March, 2012 @ 22:56

Hello Steven,

I have not got sight of your guarantor agreement but I very much doubt you can cancel your guarantorship at this time.

The whole point of being a guarantor is to be prepared to fund the rent-debt of the person you are willing to personally guarantee.

It's a bit like making a promise and then not breaking the promise.

No in fact, it's not a bit like it. It's exactly like it.

This may sound harsh but you should not make promises you are not prepared to keep. Be a man; pay up if you have to and sort the the debt within the family.

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Stacey 15th August, 2012 @ 10:05

Hello - I have been paying £50 per month for just over a years, towards the rent arrears in my previous property. The landlord has always been fine about this, until my partner (who was on the tenancy with me) left me with our two young children. I have always been honest with the landlord, and I explained that I couldn't afford the £50 per month on my income and we agreed on £20 per month. This was my debt, and I want to clear it without the guarantor (my Mother) being involved. All has been fine, I have been paying through the original letting agent as I felt more comfortable doing this. However, she decided last week to go to her solicitor to seek money from the guarantor if I couldn't pay and more a month. Seeing as I have paid over £1000 off this debt, and the remainder stands at £380, I was a bit miffed. We have agreed on an arrangement of £30 per month, plus I've got to pay her solicitors fee. I want to still pay the letting agent, not her. I get harrassed with up to 4 emails per day from her sometimes, and I just don't want to have to deal with her. I am worried about not having another party involved as a 'backup' as she wants me to pay her directly. She says she has the power to commence court proceedings if a payment is late (which they never are!) but she seems to be able to make her own rules up and I am worried that she will commence proceedings, and I will be stuck. Her conditions of the £30 per month are that I pay her directly, I'm happy to pay, I just want to pay the agent. Am I within my rights to do this because of my concerns?

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Benji 15th August, 2012 @ 11:44

Stacey, It sounds like harrasment to me. Try giving the National Debtline a call 08088084000.


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natalie skillen 23rd January, 2013 @ 11:24

hiya there, i have aplied for a house with a guarantor, and the estete agent is asking for accounts beacause thier own there own shop.. should we have to provide this infomation.. as i didnt with my last agent??

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Geoff N 20th April, 2013 @ 17:46

I am moving back to Britain after being away for 5 years. I have plenty of Savings. However asking one of my Siblings to be a Guarantor will not go down too well. I am not a Skiver, both my parents are deceased, and inherited a share of the Will. I read the advice above, but if a Sibling becomes a guarantor, and 1 resident wrecks the place, the Guarantor ends up being responsible. This is one reason why I wouldn't share a house. However to me, there is no incentive to be a Guarantor. I am a British citizen and have signed up to yes2dss, but finding a Guarantor would be nigh impossible. In these hard times, who with any sense would commit to such an agreement ? As plenty of you have pointed out, you can have an agreement, but it is your word against the Landlord's.

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Geoff N 20th April, 2013 @ 18:23

My only other option is to use Savings instead of filing a DSS claim. But one family member bailing another out, is not an option. Times are getting harder, but taking on additional liabilities is not an attractive option, and who can blame them.

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kay Jeffrey 6th August, 2013 @ 16:15

Hi if you rent from landlords are you allowed To keep animals I would like someone to let me know about this and also what happerns if you dont sign guarantour for someone are they able to stay where they want to please can you let me know assoon as possible please many thanks K J Jeffrey

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Adele 23rd September, 2013 @ 17:27

Coudl someone confirm is a ruantor can be hel liable for the amount owed in rent arrears if th eteant failed to pay the rent. The guarantor is not party to the tenancy agreement, my solicitor thinks i do not have any grounds to take legal actions against him and that the guarantee letter he signed is worth nothing because he's not signed the tenancy contract. Has someone had a similar problem to mine? the tenants owe me 8000£ in rent arrears, i go ta bailff appointment to evict them but they are student so it is unlikely that i'll get any penny back. hence my decision to sue the gurantor if possible.

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Donna 11th February, 2014 @ 19:50

Hi,can anyone help me?
I used to rent my house for myself and my five children,I have a friend who acted as guarantor,I have since been evicted due to rent arrears,I have paid these arrears but now I am told I owe £705 court costs,I have offered to make repayments for this but now they are saying they need to get an offer from my guarantor as well,are they in their rights to do this?
I thought a guarantor is only liable if the tenant doesn't pay up?
Any help would me gratefully received.
Thank you x

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xxbaileyxxx 6th March, 2014 @ 11:08

Hi I'm 17 years old, I want to rent a private rented flat 1 bed would I be elligible to do so? Please help!

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Nicola field 10th May, 2014 @ 12:19

I am a guarantor and would like you to please answer one question for me.Can the letting agent take money from my account for the tenant without consent and any warning

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Benji 10th May, 2014 @ 23:09


The short answer is no, probably not.

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kerry swyer 22nd June, 2014 @ 21:09

Hi I currently live with my partner soon to be ex he supplied the guarentour and reckons after the six months is up im out of the flat can he do this surely the landlord knows im gud for the rent after six months?? Do I have a leg to stand on??

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Loreen 24th July, 2014 @ 09:42

Firstly thank you so much for such an informative and amusing blog, loving your work!

Apologies if you've covered this elsewhere, but I have just purchased the guarantor Deed you recommend, and I was wondering about the clause I need to insert into the AST with regards to the deed? I'm assuming you do need to refer to it in the Agreement, even though it will not be signed by the guarantor because it is a Deed and not a triparte AST? I'm not sure on the legal phrasing and any advise would be appreciated.


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Mandy 1st August, 2014 @ 09:51

Iagreed (stupidly in hindsight) to be guarantor for a family friend. I had no reason to suspect she would not pay as her rent is paid by Social Services. She moved out of the property - without giving notice and owes £860. The Letting Agents are pursuing me for the debt and threatening to put a charge on my property. Ive let my friend know, and she has contacted Letting Agent and offered £30 each month to pay off the debt - the won't accept it and are hounding me with emails to pay up or else. Since I signed the guarantor form my situation has changed significantly - I am in mortgage arrears, poor credit rating and earn significantly less than I did when I signed. Is there anything I can do? HELP

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A Gopal 5th August, 2014 @ 21:01

my sister in law's son, who has come to UK from India for a years Masters course on student visa,has now completed the course but says has visa till end Jan 2015. Since he now has to move out of university accommodation, he is planning to rent an accommodation and wants me to be the guarantor. obviously he is on student visa and of overseas origin. What are the potential problems of being guarantor in this situation and what are the points that I should clarify?

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Pat 20th January, 2015 @ 18:30

Do i have to give my work payrole details to the letting agency im a garantee for my grandaughter

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sarah 29th June, 2015 @ 14:29

my landlord has a new agent and was wondering if the guarantor still stands from previous agent or do i have to find a new one as i dont want to ask previous guarantor? thanks

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Judy Clarke 1st November, 2015 @ 10:49

I am a guarantor for my stepson, who has got into arrears onhis rent. I have had a letter from the estate agent asking for £1,750 and telling me i will be liable for court costs if it goes to court.

on examining the contract, I notice that the address of the property he is renting is wrong, he was going to rent it, but it fell thru. he never lived at that property and the address he has been living at, where he has got into arrears was never put on the contract.

I believe that I am not liable - do you agree?

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Ania 25th November, 2015 @ 16:03

Does the Guarantor have to live in UK?I'm looking for house to rent and I'd like to ask my brother to be my guarantor, but he lives in Ireland. Is it possible?


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