Turn Family Support into Your Key to Home Ownership
Guarantor Loans
Let’s be real — saving a 20% deposit in today’s market can feel impossible, especially for first home buyers. That’s where a guarantor loan changes the game. With the support of a loved one, you can fast-track your way into property ownership without spending years stuck on the sidelines.
What’s a Guarantor Loan?
A guarantor loan lets a family member — usually a parent — use the equity in their property to guarantee part (or all) of your loan. This can reduce or even eliminate the need for a deposit and help you avoid expensive Lenders Mortgage Insurance (LMI).
How It Works
Your guarantor offers a limited guarantee secured against their property.
This lowers the loan-to-value ratio (LVR), often removing the need for LMI.
You may be able to borrow up to 100% of the purchase price.
Why It Works
Get into the market faster – skip years of saving.
Save thousands on LMI – keep that cash in your pocket.
Leverage property growth, not just cash – a smarter way to build wealth.
Things to Consider
A guarantor loan is a powerful tool, but it does come with responsibilities. Your guarantor is taking on financial risk, so clear agreements and independent legal advice are essential for both sides. We’ll guide you through every step so everyone feels protected and confident.s
Why Choose iChoice Central Coast for Your Guarantor Loan?
Real guidance, no judgement – we know this is a big step, and we’ll walk you through it with patience and care.
Straight talk, no jargon – clear communication so both you and your guarantor feel confident.
Support for everyone involved – we make sure borrowers and guarantors are on the same page every step of the way.
Backed by Jason Khoury and his award-winning iChoice team – the best in the business, with the lender network and expertise to make it happen.
With a little help from family and the right strategy from us, your dream home is no longer out of reach.
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