Hi, I am a 1st time home buyer & i have a 20% deposit I'm starting a new job so wont have any problems paying the mortgage, But i don't have any previous tax records to date because i have been looking after my child since she was born but is now starting school. My brother is a possible candidate to be a Guarantor as he works full time and owns his own home but i wouldn't want even a 1% risk of anything going wrong in the future and putting my brother at risk, so my main question is that if something did go wrong in years to come and the interest rates went sky high would my property be the only property at risk if the worse happened. Would really appreciate any info & thank-you in advance.