Family Support, First‑Home Guidance

Family Guarantee Pathway

Learn how your family’s property equity can help you buy sooner - with expert guidance and connections to trusted professionals every step of the way.

Learn how your family’s property equity can help you buy sooner - with expert guidance and connections to trusted professionals every step of the way.

Turn Family Support into a Launchpad for Your First Home

Sometimes, a little family help can make all the difference.
With a Family Guarantee, a parent or close relative can use a portion of their home’s equity to help you buy your first home - safely, strategically, and without needing a huge deposit.

Why This Pathway Matters

For many first‑home buyers, saving a full 20% deposit feels out of reach.
A Family Guarantee (also known as a guarantor loan) allows a family member to use part of their home’s equity as additional security on your loan, helping you buy sooner and often avoiding Lenders Mortgage Insurance (LMI).

This approach can make ownership achievable years earlier - without relying on gifts or cash loans from family.

How It Works

  1. A Family Member Offers Equity as Security
    A parent or close relative uses available equity in their property to guarantee a portion of your deposit.

  2. You Borrow the Rest Normally
    You take out the home loan in your name; the guarantee simply strengthens your application.

  3. Build Equity and Release the Guarantee
    Once your property has grown in value and your loan balance has reduced, the guarantee can be released - and your family’s home is no longer tied to your loan.

Guidance You Can Trust

We’ll guide you through how Family Guarantees work, compare suitable lenders, and help you understand the benefits and responsibilities for all involved.

While we don’t provide legal services ourselves, we can connect you with trusted conveyancers and legal professionals to make sure everything is set up safely and clearly.

Who It’s For

The Family Guarantee Pathway is ideal if you:

  • Have supportive family willing to use their property equity

  • Have stable income but limited cash savings

  • Want to buy sooner and potentially avoid LMI

  • Need help understanding the process in plain English

What You’ll Gain

  • A faster, smarter way into the property market

  • Clarity on how guarantees really work

  • Access to the right lenders and professionals

  • Support at every step - from assessment to settlement

Let’s Explore Your Options

If your family is open to helping, we’ll make sure it’s done the right way - with the right structure, and the right team around you.