Buy your next home or investment with 0% deposit using your family’s equity.
For first home buyers, upgraders & property investors. Skip the deposit grind, skip Lenders Mortgage Insurance, and settle this year with a structured guarantor loan from Australia’s award-winning Brokerly team.
How a guarantor loan is actually structured.
Most brokers can’t draw this on a whiteboard. Brokerly does it every week. Here’s the exact mechanics behind every guarantor loan we settle.
One loan. Two securities.
A guarantor loan in three steps.
Your parents pledge equity
They use a portion of the available equity in their home (typically 20% of your purchase price) as additional security , no cash leaves their account.
You borrow up to 105%
We structure a loan that covers the full purchase price plus stamp duty and legal costs. You contribute $0 deposit.
We release the guarantee
Once your loan balance falls below 80% of the property's value, we apply to release the guarantee , your parents are off the loan.
See how $0 deposit works
Enter your purchase price and your guarantor’s property details. We calculate the limited guarantee size using the standard Australian lender formula.
Your guarantor’s equity replaces the deposit, no cash needed.
Indicative only. Stamp duty, LMI & lender policy vary by state and lender. Brokerly will model your exact scenario in your free strategy call.
Why thousands of Aussies choose a guarantor loan.
$0 cash deposit
Use parental equity instead of years of savings.
Buy sooner, ride the market
Stop renting while prices rise. Get on the ladder this year.
No LMI premium
Save $15k–$40k+ by avoiding Lenders Mortgage Insurance.
Limited guarantee
Parents are only liable for a capped portion , not the whole loan.
Release in 3–7 years
Most clients release the guarantee well before loan term ends.
Zero broker fees
We're paid by lenders, not you. Fully transparent strategy.
Are you and your parents eligible?
Every lender has slightly different policy , we’ll match you to the most flexible option across our 30+ lender panel.
- Australian citizen or permanent resident
- Stable employment & verifiable income
- Clean credit history
- Capacity to service the full loan
- First home buyer OR upgrader, no FHB requirement
- Owner-occupier OR investment purchase
- Own Australian property with available equity
- Have income that isn't solely from the aged pension
- No upper age limit with the right lender
- Receive independent legal & financial advice
Your questions, answered.
What is a guarantor home loan?+
A guarantor home loan uses a family member's property equity as additional security so you can borrow up to 100–105% of the purchase price with $0 cash deposit and avoid Lenders Mortgage Insurance.
Do I really need 0% deposit?+
Yes. When parents pledge equity in their home as additional security, most major Australian lenders allow you to borrow the full purchase price plus stamp duty without contributing your own deposit.
Is the guarantor liable for my whole loan?+
No. A limited guarantee restricts the guarantor's liability to a specific amount (usually 20% of the property value plus costs). Once your loan balance drops below 80% LVR, the guarantee can be released.
Who can be a guarantor in Australia?+
Parents, step-parents, and in some cases siblings or grandparents. The guarantor needs to own Australian property with available equity and have an income source that isn't solely the aged pension. There's no maximum age cap, retirees and self-funded retirees are absolutely fine with the right lender, and Brokerly knows exactly which lenders on our panel accept them.
How do I release my parents from the guarantee?+
Once your loan balance is below 80% of your property's current value , through repayments, market growth, or extra contributions , we apply to your lender to release the guarantee, returning full title control to your parents.
Does Guarantors charge a fee?+
No. We are paid commission by the lender, not by you. Strategy, application, and post-settlement support are all free to you and your guarantors.
Brokerly is Australia’s guarantor loan specialist.
Most mortgage brokers settle a handful of guarantor loans a year. Brokerly settles them every week, that’s why we built Guarantors.com.au, the dedicated home for this single specialty.
Award-winning guarantor specialists
Multi-year MFAA, FBAA & ABA finalists. Recognised by Commonwealth Bank as a Platinum Broker for our guarantor and family-pledge volume.
We do these every single week
Guarantor loans aren’t a side note for us. They’re a core specialty. We know which of our 30+ lenders will say yes to your exact scenario.
We protect your guarantor first
We always structure with a limited guarantee, independent legal advice, and a written release plan. Your family is protected from day one.
Stop renting. Start owning , with $0 deposit.
Book a 20-minute strategy call with our award-winning team. We’ll map your guarantor loan structure, lender match, and release plan , free.
Apply to be a Guarantor