Guarantor home loans provide an opportunity to purchase a property with the assistance of a guarantor, often a family member, who uses their own property as security. At Intuitive Finance, we offer expert guidance to help you navigate the complexities of guarantor home loans, ensuring you secure the best option for your financial needs.

What are Guarantor Home Loans?
A guarantor home loan allows you to borrow a higher percentage of the property value or even the full purchase price, using the equity in your guarantor’s property as additional security. This can be a great option for first-time buyers or those who have limited savings for a deposit. The guarantor’s property acts as a safety net, reducing the lender’s risk and potentially allowing you to avoid paying Lenders Mortgage Insurance (LMI).
When considering a guarantor home loan, it’s important to understand the key issues.
- Guarantor’s Liability: The guarantor’s property is at risk if you default on the loan.
- Future Financial Plans: The guarantor may have limited borrowing capacity for their own needs while the guarantee is in place.
- Loan Structure: Deciding whether to secure the entire loan or just a portion with the guarantor’s property.
Types of Guarantor Home Loans
Family Guarantee Loans
A family guarantee loan involves a family member using the equity in their property as security for your loan. This type of loan can help you secure a higher loan amount or avoid LMI without requiring a large deposit.
Limited Guarantee Loans
A limited guarantee loan allows the guarantor to limit their exposure to a specific amount or portion of the loan. This provides more flexibility and reduces the risk for the guarantor while still helping you secure the necessary financing.
ADVANTAGES
- Higher Borrowing Capacity: Borrow a larger amount or the full purchase price with a smaller deposit.
- Avoid LMI: Potentially avoid paying Lenders Mortgage Insurance.
- Family Support: Benefit from the financial support of a guarantor.
DISADVANTAGES
- Guarantor’s Risk: The guarantor’s property is at risk if you default on the loan.
- Complex Arrangements: Requires clear agreements and understanding between you and the guarantor.
- Impact on Guarantor: Limits the guarantor’s borrowing capacity and financial flexibility.
Frequently asked questions
What’s Involved in Obtaining a Commercial Loan Through Intuitive Finance?
Initial Meeting
A 1-hour session to establish your financial and lifestyle goals, discuss the fact-finding document, and agree on a timeline for its return.
Fact Finding Submission
We will submit the completed fact-finding document.
Strategy Submission
Within 5 days of receiving the completed fact-finding, a written strategy is submitted to you.
Document Lodgement
Within 2 days of agreeing to proceed, documents are lodged with the institution.
Conditional Approval
Expect conditional approval within 1 to 3 days of lodgement.
Unconditional Approval
Expect unconditional (full) approval within 2 to 4 days after conditional approval.
Loan Documents Arrival
Expect loan documents to arrive within 2 to 5 days after unconditional approval.
Loan Settlement
Expect loan settlement within 3 to 5 days after submitting the signed loan documents.
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Real Feedback from Real Clients
Buying property is one of the most stressful things you’ll ever do, and I was dreading it!
However Natasha, Melissa, Clarise, Andrew and Bonnie were all amazing at helping me through the application for finance. They all provided exceptional care, a wealth of knowledge and always got back to me promptly with answers to all my questions 😄
The whole team had a great ability to put me at ease throughout the whole process! I can’t thank you all enough and I’m so happy in my new home!
I would wholeheartedly recommend the Intuitive finance team 100% as the finance brokers for anyone needing help with financing!
Thanks again so much, you’ve helped me get to the place I wanted to be!
We had a complex situation with multiple properties, and Craig took the time to understand our needs and worked tirelessly to secure the best possible deals. We refinanced three of our properties, and the process was seamless thanks to Craig's guidance.
Their communication was outstanding, keeping us informed every step of the way. What really stood out was their willingness to go above and beyond to ensure our financial goals were met. Their professionalism, knowledge, and passion for their work are a rare find in the finance industry.
We can't recommend Craig and the team at Intuitive Finance highly enough. If you're looking for a finance broker who will truly look after your interests, look no further.
Thanks Michael & Alana
What sets them apart is their exceptional communication, organization, experience, and teamwork. They operate like a well-oiled machine, ensuring everything runs smoothly and efficiently. Despite being based in Perth, working with Lachlan and Craig in Melbourne was seamless. These two are absolute standouts—always available, quick to return calls, hardworking, and incredibly fast.
I also had the pleasure of working with Melissa and Clarise, who were equally lovely and professional. The entire team made the process stress-free and straightforward, something I’ve rarely encountered in this space.
I’ve already recommended Intuitive Finance to my family and friends because I know they’ll be in safe hands. If you’re looking for a broker that goes above and beyond, look no further. Highly rated and highly recommended!
A special thanks to Lachlan who was simply fantastic to deal with across a two year period and to Craig who made the final processes seamless.
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We donate $20 to your chosen charity and make annual contributions. It’s our
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