Guarantor Loans
Compare guarantor loans and understand the risks before anyone commits.
Who it is for
Process
We compare the guarantor option against the standalone pathway so you can see the difference.
Both borrower and guarantor need independent legal advice. We help arrange this.
Not all lenders offer family guarantees. We compare the ones that do and match their policy to your situation.
We structure the loan with a clear timeline for when and how the guarantor will be released.
Before you apply
Requirements vary by lender. Please use the enquiry form for contact details only; your broker can explain how to provide documents securely.
| Option | When it may help | What to consider |
|---|---|---|
| Full guarantee (100% of loan) | Borrowers with little or no deposit who need maximum support | Maximum liability for the guarantor - release will take longer |
| Partial guarantee (portion of loan) | Borrowers with some deposit who just need to bridge the LMI gap | Still creates liability for the guarantor but for a smaller amount |
| Release through refinancing | Existing guarantor borrowers who have built enough equity to remove the guarantee | Requires sufficient property value growth or principal reduction |
Further reading
The guarantor is legally responsible for the guaranteed portion of the loan if you can't meet your repayments. This is real financial liability, not a formality.
Typically through refinancing once you've built enough equity in the property - either through value growth or by paying down the loan. We plan this from the start so there's a clear timeline.
Not necessarily. Many lenders accept a guarantee from a property with an existing mortgage, as long as there's enough equity to cover the guarantee amount.
Most lenders only accept family members as guarantors, typically parents. We'll check the specific lender policy for your situation.
