Guarantor Home Loans

Fast-Track Your Property Goals. No Deposit? No Worries.

Waiting to save a full 20% deposit can mean watching your dream home slip away as property prices move out of reach. If you have immediate family members who own property, you don’t have to do it all on your own. A Guarantor Home Loan allows you to leverage their home equity to bridge the gap, getting you through the front door years ahead of schedule.

At Lendable, we specialise in helping families navigate guarantor structures safely and seamlessly. Because we are independent, we look far beyond the Big Four banks to find agile lenders who make the process straightforward, safe, and stress-free for both you and your guarantor.

  • MORE THAN JUST A BROKER

How Does a Guarantor Home Loan Work?

A guarantor loan doesn’t mean your family members are giving you cash or helping you make your monthly repayments. Instead, they are using a portion of the equity in their own home as a secondary security buffer for your mortgage.

The 80/20 Rule: Normally, borrowing more than 80% of a property’s value triggers a massive upfront fee called Lenders Mortgage Insurance (LMI).

The Guarantor Solution: By having a family member guarantee the remaining 15% or 20% needed, the bank views your loan as a safe 80% Loan-to-Value Ratio (LVR).

Borrowing Up to 100%: With a guarantor’s backing, some lenders will even allow you to borrow up to 100% or 105% of the purchase price to cover additional costs like stamp duty and legal fees, meaning you can buy with literally zero cash deposit.

  • FIND A SOLUTION

The Strategic Advantage: Why It Makes Sense

  • Skip Lenders Mortgage Insurance (LMI): By bridging the deposit gap with equity, you bypass LMI entirely, saving you up to tens of thousands of dollars in hidden upfront bank fees.
  • Lower Deposit required: In some cases the amount of deposit that you require to contribute at settlement is reduces to zero.
  • Limited Liability for Peace of Mind: We almost always structure these as limited guarantees. Your guarantor isn’t responsible for the whole mortgage—their liability is capped strictly at the specific equity portion they agreed to secure.
  • An Agreed Exit Strategy: A guarantee isn’t forever. Once your property value grows or you pay down the principal to a point where you hold 20% equity on your own, you can formally apply to have your guarantor completely released from the loan.

Why Choose Lendable for Your Guarantor Loan?


We Protect the Relationship

We understand that money and family can be sensitive. We work transparently, requiring and encouraging independent legal advice for guarantors so everyone understands exactly how the structure works before signing.


Clear, Jargon-Free Guidance

No hidden clauses, no false promises. We break down the math, interest rates, and criteria clearly upfront so you can step into the property market with total confidence.


Tailored Exit Strategies

A family guarantee shouldn’t be forever. We proactively structure your loan with a clear plan to release your guarantor as soon as your property gains enough equity or your loan balance reduces.

Client Reviews

Buying a home is one of the biggest financial moves you’ll ever make, and we’re committed to making the process simple, strategic, and stress-free. From first home buyers getting into the market sooner to investors growing their portfolios with confidence, our clients’ reviews reflect what we stand for: clear advice, genuine support, and brokers who go the extra mile to make things happen.

Ready to Buy a Home Years Sooner?

A guarantor loan is one of the most powerful fast-track strategies in the modern Australian property market. Let our team assess your borrowing power in minutes and help map out a safe, tailored plan for your family.