Finance advice
Warren Dworcan

How an equity guarantor can help with your deposit

By Warren Dworcan

Having trouble getting together a deposit for your first investment property? An equity guarantor may be the way to go.

Blogger: Warren Dworcan, managing director, Rate Detective Finance

This type of loan is appropriate when the applicant/borrower’s (your) income is enough to cover the loan and repayments but they do not have the required savings for a deposit.

The maximum lending usually available is 95% of the property’s purchase price so generally a 5% deposit is required. Saving this amount can often be difficult, especially when paying rent, so a guarantor can provide their property as a secondary security, worth minimum 20% of the loan, to allow the applicant to borrow up to 100% of the purchase price. Guarantors are usually limited to immediate family members.

Another benefit of having a guarantor is that the borrower may save by avoiding Lender’s Mortgage Insurance (LMI) which is required when the loan is greater than 80% of the value of the property.

The lender will use the borrower’s property as the primary security but will also take a mortgage over the guarantor’s property. The guarantor’s current mortgage will not change and they will not be required to make repayments as that is the borrowers responsibility.

After the borrower has built up equity in their property the guarantor can request to be released from the loan.

Anyone who is considering becoming an equity guarantor for a property loan is advised to seek independent legal and financial advice before accepting the role. Most lenders will insist on this.

Example
Mr A wants to purchase a $500,000 property but does not have the $25,000 savings necessary for a deposit. As his income can cover a loan of $500,000 needed to purchase he can use his parents as guarantors and secure a portion of the loan against their property.
80% of the $500,000 ($400,000) will now be secured against the purchase property and the other 20% ($100,000) will be against his parent’s property. Therefore Mr A will no longer be required to come up with the $25,000 deposit.

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About the Blogger

Warren Dworcan

Warren Dworcan

Warren Dworcan is the Managing Director of Rate Detective Finance, which provides information to consumers about home loans, credit cards, personal loans and personal insurance.

Successfully assisting thousands of Australians with loan enquiries in excess of more than $1 billion, Warren alongside his highly qualified and dedicated staff are equipped to deal with all aspects and complexities associated with the mortgage market.

Over the last two years Warren has been dedicated to growing the business into becoming one of the leading independent brokerages in Australia.

Recently recognised as one of the top brokers in Australia, Warren was awarded the coveted Australian Broker of the Year award in both 2012 and 2013 at the Australian Broking Awards in Sydney.

FROM THE WEB

podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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Getting finance approved in this tightening lending environment

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