Guarantor Home Loans Sydney
Get into your home sooner with family support. Guarantor loans allow you to purchase with a smaller deposit and avoid costly Lenders Mortgage Insurance.
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Why Choose Simplify Finance for Guarantor Loans?
At Simplify Finance, we believe finding the right loan should be simple, transparent, and stress-free. Led by Fabio De Castro — ranked in the Top 20 out of 19,000 mortgage brokers nationally — our team brings over 15 years of experience and access to more than 50 lenders. Our service is free to you; we are paid by the lender.
Avoid Lenders Mortgage Insurance
By using a family member’s property as additional security, you can borrow up to 100% without paying LMI — saving you thousands.
Buy Sooner
Stop waiting years to save a full 20% deposit. A guarantor loan lets you enter the property market sooner.
Protect Your Guarantor
We structure guarantor loans to limit your guarantor’s exposure and plan for the guarantee to be released as soon as possible.
Expert Family Guidance
We explain the process clearly to both you and your guarantor, ensuring everyone understands the commitment.
Frequently Asked Questions
How does a guarantor loan work?
A guarantor loan allows a family member to use the equity in their property as additional security, letting you borrow more than 80% without paying LMI.
Who can be a guarantor?
Most lenders require an immediate family member — typically a parent. Some accept siblings or grandparents.
What are the risks for the guarantor?
The guarantor’s risk is limited to the guaranteed amount. We mitigate this by structuring the guarantee to the minimum amount needed.
When can the guarantee be removed?
Typically once you have paid down to 80% LVR, or if the property value has increased sufficiently — usually 2-5 years.
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