Guarantor & no deposit

Let family help without handing over cash

A family guarantee uses equity in a parent's home to secure part of your loan. You may need little or no deposit and avoid LMI, while your family keeps their savings.

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Is this you?

Family willing to help, but not with cash
Buyers with strong income but a small deposit
Single buyers wanting to avoid LMI
Buyers above government scheme price caps

Key facts

What you should know

0–5%Deposit often needed with a family guarantee

$0LMI when the guarantee covers the gap to 80%

LimitedGuarantees can be capped to a set amount

ReleaseGuarantee can often be removed as your equity grows

Borrowing Power Calculator

Estimate your borrowing power using the same building blocks lenders use: income after tax, living expenses, debts and the 3% serviceability buffer.

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Figures current as at October 2026. Scheme rules and caps change; we confirm them for your situation.

How it works

Our process

Talk it through

We explain the guarantor's risk clearly to everyone.

Independent advice

Guarantors usually need their own legal advice.

Approval

Lender assesses you and values both properties.

Release later

We help remove the guarantee once you reach 80% LVR.

Questions

Frequently asked

What happens if I can't repay?

The guarantor could be asked to pay up to the guaranteed amount, so everyone should understand the risk.

Can grandparents or siblings guarantee?

Some lenders accept other close family. Policies vary.

How long does the guarantee last?

Until your loan drops to around 80% of the property value, then it can often be released.

Learn more

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