House prices in Sydney are extraordinary — and for many Australians, the deposit gap is the single biggest obstacle to owning. A guarantor home loan lets a family member use the equity in their own property to help you buy sooner, without a full deposit and without paying LMI.
📅 Book Free ConsultationIn a guarantor loan, a family member — most commonly parents — puts up equity in their existing property as additional security for your loan. This means you can borrow up to 105% of the purchase price without a 20% deposit and without paying LMI. The guarantee is typically limited to the shortfall amount and can be released once you've built sufficient equity — usually when your LVR reaches 80%.
We assess whether a guarantor loan is the right strategy and determine the correct guarantee amount.
We select the best lender and product from our 40+ lender panel.
We handle all paperwork for both borrower and guarantor and manage the full approval process.
We monitor your LVR and alert you when you're eligible to release the guarantee — freeing up your parents' equity.
The guarantor's property is at risk if the borrower defaults. We always recommend both parties seek independent legal advice and structure the guarantee as limited (not unlimited) and to the minimum amount required.
Yes — the guarantor's property needs to be in Australia. Interstate guarantors are common and most lenders accommodate them with some additional legal steps.
Usually when your LVR reaches 80% — through property price growth, loan repayments, or both. We monitor this and alert you when eligible.
Book your free guarantor loan consultation. We'll explain how to structure the guarantee, protect your family, and get you into your first home sooner.
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