Buy your first home
with a family guarantee.
A guarantor lets you buy without a full deposit and skip LMI, using a family member's home equity as extra security. We structure it so their exposure is capped and there is a clear plan to release them.
No cost to you • 40+ lenders compared
A way in, done properly
No deposit of your own
Instead of years of saving, a family member's property equity can stand in for your deposit. Many buyers get in with little or none of their own cash up front, borrowing up to the full purchase price plus costs at some lenders.
Skip LMI entirely
With a family guarantee most lenders drop Lenders Mortgage Insurance completely. On typical metro prices that can save you $20,000 to $30,000 or more. The exact figure depends on the lender and the property.
Your guarantor's exposure is capped
A limited guarantee covers only the top-up slice needed to avoid LMI, not your whole loan. Your family member is never on the hook for the full mortgage, and we cap their exposure in writing before anyone signs.
A release plan from day one
A guarantee is not meant to be forever. We map the path to releasing your guarantor as your equity grows through repayments and price growth, so everyone knows when their part ends before it begins.
Real stories from real clients.
“As first home buyer Jack was very thorough with explaining and guiding us along throughout the property sale process. He's very well connected with all the different lenders on the market and was able to get a loan product that best suited our needs.”
Julian N.
First Home Buyer
“Jack explained and kept us informed of what the process looked like, our next steps, and even plan B, which led us to a seamless settlement even during our travel. We would highly recommend him for anyone, especially first home buyers!”
Megan N.
First Home Buyer
“Jack Chen has helped me for my 4 properties' mortgage and I regard him not only as a friend but also as my good advisor. He treats me very honestly, I just tell him my needs and he finds the best options.”
Julie
Long-term Client
“Jack was instrumental in helping us achieve our goals. He maximised our borrowing capacity through strategic structuring and gave us more options to plan for the future.”
Tommy H.
Strategic Structuring
“Jack is the best mortgage broker I have ever dealt with. He genuinely goes above and beyond to ensure you get the best result. He has helped my wife and I with multiple property transactions and I couldn't recommend him highly enough.”
Simon J.
Multiple Properties
“Jack took the time to understand my financial situation thoroughly, including my existing residential loan. He meticulously walked me through various rate configurations. His responsiveness gave me confidence during what can often be a stressful endeavour.”
Kevin S.
Investment Loan
“Jack helped us with a more complex arrangement and worked quickly to secure us the correct financing option. He is an excellent communicator with strong attention to detail. We've had a great experience and outcome each time.”
Tim & Chloe W.
Complex Arrangement
“From the very beginning Jack was professional, transparent, and incredibly knowledgeable. We'll definitely be using him again in the future.”
Ryan W.
Repeat Client
“Our situation and income was complex but Jack navigated this professionally and swiftly, enabling us to buy our dream home. We cannot recommend you highly enough.”
Selina W.
Complex Income
+ 32 more
+ 32 more
From consultation to keys.
Four steps. We handle the lender side and keep your guarantor protected the whole way.
Review
We look at your income and deposit position, and your family member's property and how comfortable they are helping. No pressure, just an honest read of whether a guarantee fits.
Match
We compare guarantee rules across 40+ lenders. Some accept a term deposit instead of property. Some are parents-only, others allow siblings or grandparents. Servicing rules differ too. We find the ones that fit your situation.
Structure
We cap the guarantee to the smallest slice that does the job, protect your guarantor's home, and set a clear release trigger from the start.
Settle
We package the application, submit it, and manage the lender through to settlement, keeping your guarantor informed at every step.
Review
We look at your income and deposit position, and your family member's property and how comfortable they are helping. No pressure, just an honest read of whether a guarantee fits.
Match
We compare guarantee rules across 40+ lenders. Some accept a term deposit instead of property. Some are parents-only, others allow siblings or grandparents. Servicing rules differ too. We find the ones that fit your situation.
Structure
We cap the guarantee to the smallest slice that does the job, protect your guarantor's home, and set a clear release trigger from the start.
Settle
We package the application, submit it, and manage the lender through to settlement, keeping your guarantor informed at every step.
Straight answers.
How much can I borrow with a guarantor?
With a guarantee, some lenders will lend up to the full purchase price plus costs, so you can buy without a deposit of your own. Your actual borrowing power still depends on your income, your expenses, and each lender's servicing rules. We work out your real number before you start looking, rather than leaving you to guess.
What does my guarantor actually provide?
Usually a portion of the equity in their own property, used as extra security for the top-up slice of your loan. They do not hand over cash. With a limited guarantee they are only ever liable for that slice, not your whole mortgage, and that amount is capped in writing before anyone signs.
Do I still need any savings?
Often less than you would think, and sometimes none. Some lenders want to see genuine savings or enough to cover costs like stamp duty. Others do not. It depends on the lender and your deposit position. We tell you exactly what you need for your situation so there are no surprises.
Does my guarantor have to be my parent?
Not always. Parents are the most common guarantors, but plenty of lenders also accept siblings, grandparents, or other immediate family. A few are parents-only. The rules vary by lender, so we check the panel and match you with one whose definition of family fits yours.
What's the catch with buying on no deposit?
The honest answer: your guarantor takes on real responsibility, and because you are borrowing more, your repayments are higher than they would be with a big deposit. It is a genuine commitment for the person helping you. That is exactly why we cap their exposure and plan their release from the start, rather than treating it as a formality.
Is this service free?
Yes. We are paid by the lender on settlement, not by you. There is no cost for our advice, for structuring the guarantee, or for managing your application. Because we negotiate on your behalf, you can sometimes get a sharper rate than going direct.
If you've been asked to help.
Can I be a guarantor if I'm not the buyer's parent?
Often, yes. Parents are the most common guarantors, but many lenders also accept siblings, grandparents, or other immediate family. Some are parents-only. Whoever you are to the buyer, the questions below are the ones worth asking before you agree to anything.
What exactly am I liable for?
With a limited guarantee, only a defined slice of the loan, the part that lets the buyer avoid LMI, not the whole mortgage. That slice is capped and written into the loan before you sign. You are not guaranteeing the entire debt, and you should never agree to a guarantee without knowing the exact figure.
What happens if the buyer can't repay?
If repayments stop and cannot be recovered, the lender can call on your guarantee up to the capped amount, which is secured against your property. This is the real risk and the reason to structure it carefully. A good lender works through hardship options first, but you should go in assuming the guarantee could be called.
When and how does my guarantee end?
A guarantee is meant to be temporary. Once the buyer builds enough equity, through repayments and property growth, the lender can release you and your property comes off the loan. We plan that release trigger from day one, so you have a clear idea of when your part ends rather than leaving it open-ended.
Will this affect my own borrowing or plans?
It can. While the guarantee is in place, some lenders count it against your own borrowing capacity, so it may affect a future loan or a refinance of your own. It is worth weighing before you agree, and it is one of the things we map out with you up front.
Should I get my own legal advice?
Yes, and that is a good thing, not a hurdle. Most lenders require a guarantor to get independent legal advice before signing, so someone whose only job is to protect you explains exactly what you are agreeing to. We encourage it and give your adviser everything they need.
Ready to see if a guarantee fits?
Book a free 15-minute call. We'll check which lenders' guarantee rules suit your family, work out what you can borrow, and show you how to cap your guarantor's exposure and plan their release before anyone signs.