Hiya, not sure if anyone can be of any help here but im trying to get a mortgage together to make a first purchase of a property. i discovered i could get LSAP - which is cool, but on search of my credit report it come up a 'default' for a nasty student loan a few years ago .....all being paid off now and wasnt aware of the default until now!!! so.....bang goes any chance of a mortgage!!! so.....in steps my father-in-law whose offered to take the mortgage on in his name - fantastic!!!...or so i thought!!!!! which leads me to my question......what are the guidelines on LSAP if the father-in-law was to take on said mortgage? i have no access to JPA atm as im on leave......and JPA arent too helpful on the phone! does anyone have any clue? cheers in advance!