Limited guarantee structure
Rather than guarantee the full loan, we structure a limited guarantee for just the gap above 80% LVR - capping the guarantor's exposure.
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Get in sooner. While managing family risk carefully.
Guarantor loans let parents use the equity in their home to help a child buy without saving a full deposit. Structured well, the guarantor's risk can be limited, planned and reviewed, but it is not removed completely.
Who this is built for.
- First home buyers who haven't yet saved a 20% deposit
- Buyers who want to avoid LMI
- Parents wanting to help without giving cash
- Borrowers with strong income but limited savings
- Families happy to release the guarantee within 3–5 years
- Buying owner-occupier or first investment property
What we do
How we approach this work.
Release plan from day one
We model when the guarantee can be released - usually as your property value grows and balance drops below 80% LVR.
Protecting the guarantor
Independent legal advice for the guarantor is mandatory. We walk both sides through what's actually being signed.
Lender choice matters
Guarantor policies vary - some lenders are friendlier to limited guarantees, others price more sharply. We pick what works.
FAQs
Common questions.
Who can be a guarantor?+
Usually parents, sometimes immediate family. The guarantor needs sufficient equity in their property and the financial capacity to support the guaranteed portion if needed.
Is the guarantor liable for the whole loan?+
With a limited guarantee - no. They're only liable for the specific guaranteed amount (typically the portion above 80% LVR), not the entire mortgage.
When can the guarantee be released?+
Once the loan balance falls below 80% of the borrower's property value - through repayments and/or property growth. We can apply for release without a full refinance.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.