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What is a guarantor and how does a guarantor loan work?

A guarantor is someone who provides a guarantee on your mortgage by using their property as security. In most cases, this will be your parents using their home.

Some lenders will allow your guarantors to be immediate family members such as siblings, grandparents, spouses, de facto partners or adult children.

Once you have paid off part of your loan or your property has increased in value then you can apply to remove the guarantor.

Don’t pay lenders mortgage insurance!

Lenders Mortgage Insurance (LMI) is a one off fee that you have to pay when borrowing more than 80% of the property value.

LMI protects the bank in case you default on your mortgage, it doesn’t protect you as the borrower. The premium isn’t cheap either.

Depending on the property price and how much you’re borrowing, you could easily be paying more than $10,000.

With a guarantor though, lenders see you as less of a risk and will waive the cost of LMI!

Consolidate minor debts including credit cards and personal loans.

There are only a few select lenders that allow you to roll all of your debts, including your new mortgage, into one low repayment each month.

This makes it possible to borrow up to 110% of the property value.

How our services can help you…


Complete our free assessment form or call us.


We assess your situation.


We look at al the options from our panel of lenders.


We will find you the most suitable deals.

We are experts at finding the right home loan solution for our customers. Let us help you.

We’ve lent more than $1 billion Australia-wide.

Find out why we are the winner of the ‘Best Customer Service – Office’ category
in the 2015 and 2016 Better Business Awards.

gal Recently, we were approved for a loan all due to the hard work Preeti put into helping us secure our first family home. Preeti went above and beyond normal working hours and weekends to help us along the process.

– Vanessa, Elwood, Melbourne