Are guarantor mortgages still a thing, or how else can a family member help?

Broker here

Specialise in adverse credit too

Potentially would still be able to lend without your sister on the mortgage but yes can get various mortgage products with upto 4 people on it

You need to speak to an appropriate specialist who can go through your circumstances

Your credit would still be looked at, with that loan to value you should speak to an advisor

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Basically me and wife's credit is pretty shit basically, but we've got £100,000 for a deposit on a 180k house. Firstly with such a big deposit, would it be possible to get a mortgage with bad credit? If not, my sister would like to help out by being our guarantor if we can't get a mortgage. Are these still available and what are the rates like? She's perfect credit, great job, with a fully paid house in London.

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Have a look at Family Building Society