Get a 100% home loan with help from your parents.

  • Your parents must have a property in Australia.
  • Borrow up to 105% of the purchase price.
  • Avoid Lenders Mortgage Insurance (LMI).
  • Discounted interest rates are available.

As seen in…

Our award-winning mortgage brokers will find you the right home loan for your situation.

HLE Awards-Top10 HLE-Awards-AMA Finalist HLE-Awards-Telstra Award

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.

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

  • They walked us through the process step by step

    We would like to say thank you to Hank from Home Loan Experts for all his help in getting us a guarantor loan.

    We were really unsure if we would ever get an approval for a home loan, but Hank immediately knew the right lender to approach for our situation, and made the whole process simple…

    We would definitely recommend Home Loan Experts to anyone. Thanks again to Hank and the team from Home Loan Experts for making it possible for us to own our first home.

    Ianthe S & Jadobi l, Carina QLD

  • A very friendly, professional and helpful team

    The team was very friendly, professional, helpful and went out of their way to get the right loan that was suitable for us… I recommend this service for those who find it very hard to purchase a property going directly to a bank. Thank you Home Loan Experts, you have finally given my family and me the opportunity to own a beautiful home.

    Denise H, Epping VIC

  • A lot smoother and less stressful than having to deal with banks as an individual

    Our mortgage broker was very personable and made us feel like he went above and beyond to assist us in getting our home loan. He had a great knowledge of guarantor home loans which set our minds at ease. He was happy to answer any questions even outside business hours and responded in a professional and timely manner. As a second home buyer I would recommend going through the home loan experts as this process was a lot smoother and less stressful than having to deal with banks as an individual. I would especially recommend Hoa to others.

    Melissa H & Rhys B, Wynnum West QLD

  • Exceeded my expectations in terms of results

    Throughout the process I felt confident in knowing I could rely on you and at no stage did I ever feel that trust could be an issue with you. You have exceeded my expectations in terms of results and have done this with very short notice. You are an asset to your company and a role model to your profession… I already have and will continue to recommend your services to friends and family.

    Thomas M & Tanya W, Botany NSW

  • So easy to speak to no matter how stressful the situation

    We are both so grateful to Amine for all of his hard work and great advice over the past year! It’s been such a long journey… We are starting to settle into our new home in Trentham now. It is just so beautiful and relaxing! We really love it and are so happy with our purchase. Amine was right all along – things happen for a reason! Thank you Amine for always being there for us.

    Tanya & Andrew B, West Melbourne VIC

  • He even made a guarantor loan from our parents seem effortless!

    After the roller coaster ride of going cap in hand to the bank manager, only to be turned away… we found Tony. What a refreshing change! Within a 2 week time frame, we had approval and were able to follow the normal approval process to get the loan…. With Tony’s inside knowledge on how lenders think he was able to approach the bank with an excellent case and really put us in a great position in the lender’s eyes…. We recommend Tony and Home Loan Experts strongly and will be using them for our next purchase…

    Julie W & Luisa C, Waikiki WA

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