Guarantor Property Loans

Short on credit or down payment for a house? We can help make your dream home a reality by finding you the most suitable secure loans using your trusted guarantors.

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Getting a home loan with a guarantor in Sydney

Guarantor loans are a type of loan that requires a guarantor to co-sign the loan agreement. A guarantor is someone who agrees to make loan payments if the borrower defaults, like a family member or close friend.


This loan is designed for individuals like young adults, students, self-employed individuals, and low-income earners who have limited or poor credit histories and may struggle to qualify for standard personal loans.

If you’re that individual and you’re looking to buy a home, we can help you find the most suitable loan for your situation. We’ll also simplify the process for you and your guarantor.

How can you benefit from guarantor home loans?

Pay lower deposit or no deposit at all

A guarantor loan can help you purchase a home without needing a large down payment. In some cases, you might not need a deposit at all.

Better Interest Rates

With the added security of a guarantor, lenders might offer you more competitive interest rates compared to standard loans without a guarantor.

Avoiding Lenders Mortgage Insurance (LMI)

Typically, if you borrow more than 80% of the property value, you'll be charged LMI. With a guarantor, you can often borrow up to 100% of the property value without incurring this extra cost.

Higher Chance of Loan Approval

With a guarantor vouching for you, lenders may be more willing to approve your loan, even if your credit history isn't perfect or if you have a limited credit record.

Your owner-occupied home loan repayments

Your owner-occupied home loan repayments

Property type:
Repayment type:

Your estimated repayments:

Principal and interest period
Variable interest rate:
Comparison rate:
Total interest payable:
6.14% p.a.
6.14% p.a.

Things to consider before getting a guarantor home loan

These types of loan always involve risks, especially for the guarantor who shoulders most of the risks, if not all. But as a borrower, you need to carefully evaluate some risks as well including:

Strained Relationships

If you’re unable to make repayments, it can lead to tensions between you and your guarantor, especially if they’re a close family member or friend.

Potential for Higher Debt

With the support of a guarantor, you might be tempted or able to borrow more than you would typically qualify for. This can make repayments more challenging, especially if your financial situation changes unexpectedly in the future.

Loss of Property

If you default on the loan and your guarantor can’t cover the debt, the lender may have the right to sell your property to recover the loan amount.

Sounds overwhelming? Don’t worry, we’ll make sure that you understand all the ins and outs of owner-occupied home loans so you can choose the most suitable deal for your situation.

Impact on Credit Score

Defaulting on the loan will negatively affect your credit score, making it harder for you to borrow in the future or secure favorable interest rates.

Sounds overwhelming? Don’t worry, we’ll make sure that you understand all the ins and outs of guarantor home loans so you can choose the most suitable deal for your situation.

With 50+ lenders at your fingertips, you have the power of choice

When you set out on your own seeking a loan, banks have the power to reject you. But with us on your side, it’s the other way around. We choose the most suitable loan for your unique needs.

You’re only 3 steps away from your financial goal

Step 1

Reach out to us and let’s discuss your situation and what kind of loan you need.

Step 2

Sit back and relax while we search our network to find the perfect loan for you.

Step 3

Choose the best loan that suits your needs. Then we’ll submit a foolproof loan application to secure your financing.

Why Lend & Loan

10 years of experience

We’ve been doing this for a decade, so we’ve built strong connections with lenders and we know their lending policies inside out. This helps us find the right loans that suit your needs.

One-touch approvals

We know exactly what banks and other lenders require from the get-go. We’re experts at putting together foolproof loan applications that lenders approve without further questions. 


We’re not like your typical 9-5 mortgage brokers. You can reach us when you need us, and we’ll get back to you within four hours.

Efficient processes

We understand that you’re busy, so we keep things simple. We try to avoid in-person meetings to save you time and make the loan process easy and stress-free.

Don’t take our word for it, take theirs.

We’ve helped hundreds of Australians
get approved for a loan and achieve their financial goals. Hear it from our
happy clients.

Looking to make a purchase or investment?

Find out how much you can borrow.

Frequently Asked Questions

It's a type of loan where another person (usually a family member) guarantees that they'll be responsible for your loan if you can't make the repayments. It's often used by first-time homebuyers who might not have a large enough deposit or a strong enough credit history on their own.

Typically, guarantors are close family members like parents, siblings, or grandparents. They need to have enough equity in their property and must demonstrate their ability to cover the repayments if necessary.

Yes, in many cases, once you've paid down a portion of the loan or if the value of your property increases, you can apply to remove the guarantor. This often involves re-evaluating the loan terms and potentially undergoing a new property valuation.

A guarantor provides a safety net for the lender but doesn't own the property or have rights to it. A co-borrower, on the other hand, shares the ownership and responsibilities of the loan with you.

In many cases, yes. The guarantor often uses their own property as security for the loan. If the borrower defaults, the guarantor's property might be at risk.

With a guarantor, you may be able to borrow a larger amount or secure a loan without the standard deposit. However, you still need to demonstrate your capacity to meet the loan repayments.

While the guarantor doesn't typically pay fees just for being a guarantor, there might be costs related to legal advice or if they decide to secure their guarantee with their property, like charges for property valuation or registering the lender's interest on the title.

If you default, the lender will first approach you for repayment. If you can't settle the debt, the lender will then turn to the guarantor to cover the outstanding amount. If both parties can't pay, assets, including the guarantor's property, might be at risk.

It varies, but a guarantor can potentially guarantee the entire loan amount. However, some choose to limit their guarantee to a specific portion, like the amount over the 80% loan-to-value ratio.

Yes, lenders typically assess the guarantor's credit history, financial situation, and property value to ensure they can cover the loan if needed.

While it's more common for guarantors to be residents of Australia, some lenders might accept overseas guarantors. However, this can be more complicated, and the criteria might be stricter.

It's uncommon, but some lenders might allow multiple guarantors. Each would be responsible for their portion of the guarantee.

The fundamental loan process remains the same, but there are added steps to evaluate the guarantor's qualifications, including credit checks, property valuations, and potentially legal documentation.