No deposit? No worries. If you've got family willing to help, a guarantor loan could get you into your first home sooner than you think — without needing to save a 20% deposit.
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A guarantor loan allows a family member — typically a parent — to use equity in their own property as security for your loan. This means you can buy without a deposit and without paying LMI.
LMI can cost tens of thousands of dollars when your deposit is under 20%. With a guarantor in place, the lender has additional security — so LMI is waived completely, saving you a significant upfront cost.
We structure guarantor loans so your guarantor is only liable for the portion of the loan needed to avoid LMI — typically 20% of the property value. Their entire property isn't at risk.
Once you've paid down enough of the loan and your property has grown in value, we can remove the guarantee — releasing your family member's property from the arrangement entirely.
We structure these loans carefully and make sure all parties understand the obligations. Done right, a guarantor loan is a smart financial decision — not a source of family stress.
Property prices don't wait for you to save a 20% deposit. A guarantor loan lets you get into the market now — potentially years earlier than you otherwise would.
Fill in the form or give us a call. No paperwork yet — just a quick chat about where you're at and what you're trying to achieve.
We compare 30+ lenders and come back with the best options for your situation — not just the best commission for us.
Once you're happy we submit your application and manage the entire process — documents, lender communication, everything.
We stay in touch after the deal is done to make sure everything keeps working hard for you.
No pressure, no obligation. Give us a call or fill in the form above and we'll walk you through your options.
0403 172 610 info@kickfinance.com.au Book a call