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Guarantor Loans

Competitive guarantor loans with fast approvals and flexible terms.

Guarantor Home Loans

A guarantor home loan allows a family member to support your application, helping you buy a home sooner with a smaller deposit.

Buy With a Smaller Deposit

Buy With a Smaller Deposit

With a guarantor, you may be able to purchase a home with little or no deposit, making home ownership more accessible.

Family Support

Family Support

A family member can use the equity in their property as security to support your home loan application.

Faster Path to Home Ownership

Faster Path to Home Ownership

Reduce the time it takes to save a large deposit and move into your new home sooner.

Guarantor home loan
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Smaller Deposit

Buy sooner with support

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Family Guarantee

Support from loved ones

Buy Sooner with a Guarantor

A guarantor loan can help you enter the market with a smaller deposit. Find out how it works and what it means for your guarantor.

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Client Testimonials

Cleveland Steemah

Cleveland Steemah

"Unfortunately, our experience was very concerning. There appeared to be a lack of attention to the housing plans, which resulted in only part of the property being built. Even more worrying was the way responsibility was handled, as the issue seemed to be shifted elsewhere rather than addressed directly. For a mortgage broker, this raises serious concerns about professionalism and accountability. "

David Tran

David Tran

"First thing I need to said thank you to Bishnu and his team in Finconnex. And very recommended Bishnu and Finconnex to everyone need financial brokers. Bishnu was very professional, polite, patience, extremely helpful and most importantly available anytime when I needed to ask him question or discuss about any related matter. I am the first time have loan mortgage, so I was stress and not sure in the process of documents going. So Bishnu he was patience and pleasant to me, he explained step by step for me so I can get throughout this process to make it bit easier for me. Finally one of my dream has come true and all thanks to Bishnu and the team."

Avinash Pala

Avinash Pala

"I dealt with Bishnu to refinance my loan. He has decent negotiating skills which got me a good deal to refinance my loan. Easy to contact and deal with. I recommend him for all your loan and refinancing needs."

Anna Bunworth

Anna Bunworth

"If you want a home loan broker who knows the business, go to Bishnu at Finconnex. Bishnu has exceptional knowledge around all aspect of mortgage broking and is able to communicate this with a manner that is very easy to understand."

Dinesh Khaphle

Dinesh Khaphle

"We had a good experience with Finconnex. The process was smooth and relatively straightforward from start to finish, and we were very happy with the outcome. Thank you for your support and assistance throughout. "

Sushil Panta

Sushil Panta

"We had a great experience working with the team. We always felt heard and supported, and never once felt ignored. They consistently provided appropriate solutions and guidance whenever needed. Highly appreciated! "

Frequently Asked Questions

A guarantor loan allows a family member (usually parents) to use their property equity as additional security for your loan. This helps borrowers with small deposits or limited credit history secure a home loan and potentially avoid Lender's Mortgage Insurance (LMI) .

Typically parents, but siblings, grandparents, or other close family members can act as guarantors. They must have sufficient equity in their own property, stable income, and good credit history. Some lenders restrict guarantors to immediate family only .

Guarantors can guarantee up to 20% of the purchase price (covering the deposit shortfall plus costs) or the entire loan amount. Limited guarantees (covering just the deposit portion) are common as they reduce the guarantor's exposure and can be released once LVR drops below 80%.

If the borrower defaults, the guarantor becomes legally responsible for the guaranteed amount. The lender can pursue the guarantor's property to recover losses. This could strain family relationships and potentially force the sale of the guarantor's home in worst-case scenarios .

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