Why do i need a guarantor when i own my own home outright

FLM only offer loans to people who can supply a homeowner guarantor. We don't make our decisions based on our customer's credit history. All we ask is that you have someone who trusts you and will back up your monthly repayments. FLM offer unsecured loans, which means the loan is not secured on a property. Being a homeowner is merely a reflection of financial stability.