Guarantor Loan

A Guarantor loan allows homebuyers to secure a mortgage with the help of a family member who provides additional security—often by using their property as collateral. This option helps borrowers with low deposits or limited credit history qualify for home loans while avoiding Lenders Mortgage Insurance (LMI). Mass Financial assists in structuring guarantor loans to minimize risks for both parties while maximizing borrowing potential.

A Guarantor Loan allows homebuyers to secure a mortgage with the financial backing of a family member or trusted individual who offers their property or savings as security. This type of loan is ideal for first-time buyers, low-deposit borrowers, or those struggling to meet traditional lending requirements, as it reduces the lender’s risk and increases borrowing potential.

✅ Low or No Deposit Required – Borrow up to 100% of the property value with   a guarantor’s security.

✅ Avoid or Reduce Lenders Mortgage Insurance (LMI) – Using a guarantor’s equity can eliminate the need for costly LMI fees.

✅ Flexible Guarantor Arrangements – The guarantor can provide security for part or all of the loan amount.

✅ Faster Loan Approval – Increases loan eligibility by reducing lender risk.

✅ Gradual Guarantor Release – Once enough equity is built, the guarantor can be removed from the loan.

At Mass financial, we specialize in structuring Guarantor loans that benefit both the borrower and the guarantor, ensuring a safe and flexible path to homeownership. Let us help you secure your dream home with the right financial strategy!