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A guarantor loan can get you into a home years earlier by using a parent's or relative's equity instead of your own deposit. It sounds generous and it often is — but the guarantor's home is on the line for the guaranteed portion. This guide walks through the structures lenders use, what the guarantor is actually exposed to, and the exit strategies that get them released, so everyone signs with their eyes open.
risk + structure guide
Usually the gap between your deposit and 20% LVR. If you default, the lender can call on that portion — in the worst case against the guarantor's own property.
Yes — most loans allow release once your LVR drops below a threshold (often 80%) through repayments or rising values.
No, but they need enough equity in it. Lenders cap the guarantee at a portion of their available equity.
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