Finance advice
Otto Dargan

Should you consider a guarantor loan?

By Otto Dargan

A guarantor loan can enable you to buy an investment property without a deposit, but once you take on this type of debt, you should aim to pay it down quickly. 

Blogger: Otto Dargan, director, homeloanexperts.com.au 

You’ve been working hard for a while now and you’re bringing home the bacon. Great! You’ve decided now is the time to get yourself an investment property and you’ve found a nice house in a boom area. Even better!

There’s a problem: travelling, the high cost of living and too many impulsive eBay purchases have played havoc with your savings and you don’t have enough for a deposit.

Thankfully, your mum and dad may be able to help you out with a guarantor loan.

WHAT IS IT?
A guarantor loan is your best bet at buying a property with no deposit because it allows you to use the equity in another person’s property – usually a parent or close relative – as security to purchase a house of your own. It sounds pretty good, doesn’t it?

In fact, it’s now the only way to borrow the full purchase price plus costs, including that pesky stamp duty. That means you can borrow 105 per cent of the property value! While there are many lenders that can offer guarantor loans, there are only two or three lenders in Australia that will accept them for purchasing an investment property.

Many of the smaller lenders don’t offer guarantor loans at all.

IT’S CHEAP!
Guarantor loans usually attract the best interest rates, coming in cheaper than a 95 per cent investment loan. In addition to this, you don’t have to pay lender’s mortgage insurance (LMI) – a one off fee that would normally be charged if you borrow more than 80 per cent of the purchase price.

Some lenders may lend you a little extra to consolidate a small credit card debt or to fund minor cosmetic renovations of the property. This can help you add value to your new investment before tenants move in.

A GUARANTOR IS NOT A GUARANTEE
To get approved, your parents’ property must be in Australia and they must be working or be a self-funded retiree. Pensioners are not normally accepted as a guarantor for an investment loan unless there are mitigating circumstances.

The amount of equity required in the guarantor’s property comes down to the value of the property you want to buy. It is possible for your loan to be approved even if your guarantor has a mortgage on their property.

A guarantor loan can only be used to buy one investment property, so most investors use it to get their foot in the door. Once they have built up some equity, they can refinance and buy more investments.

REDUCING YOUR RISK
Depending on the lender, your parents may not be required to guarantee the entire loan amount. This is known as a limited guarantee, and is typically around 25 per cent to 30 per cent of the loan amount.

Ultimately though, removing the guarantor as soon as you can afford to should be your number one priority. That means no more impulse buys, no new car and no trips overseas until you have paid down the loan and removed the guarantee.

Depending on your property picking skills, it usually takes between three and six years for extra repayments and growth in the value of your property to enable you to apply to remove the guarantee.

If your parents are thinking of putting their house up as security for you, it is important they seek appropriate legal and financial advice. Above all, you need to be conservative, invest prudently and look after your parents. After all, they looked after you.

NEWSLETTER
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About the Blogger

Otto Dargan

Otto Dargan

Otto Dargan is a two-time winner of St George Bank's 'Australia’s Brightest Broker' competition and the managing director of specialist mortgage broker homeloanexperts.com.au

FROM THE WEB

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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!

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RELATED AREAS OF INTEREST:

Hobart
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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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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

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 the Australian property marketplace could change
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Why buying new property doesn’t mean buying better property
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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

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!

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AREAS MENTIONED: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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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.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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