Guarantor Loans
Get into the property market sooner with a family guarantee
A guarantor home loan allows a family member — typically a parent — to use the equity in their own property to support your home loan application. This can help you buy your home sooner with a smaller deposit, avoid paying Lenders Mortgage Insurance (LMI), and access better loan terms. LoanCastle's specialists guide both you and your guarantor through the entire process.
- Buy with as little as 5% deposit — or even no deposit
- Avoid paying Lenders Mortgage Insurance (LMI)
- Limited guarantee options to protect your guarantor
- Clear guidance for both borrower and guarantor
Guarantor Loan Enquiry
Our specialists will explain all your guarantor loan options.
Family Guarantee Specialists
Buy your home sooner with a guarantor loan
Saving a 20% deposit in today's Australian property market is a significant challenge, especially for first home buyers. A guarantor home loan — also called a family pledge or family guarantee loan — allows a family member to use the equity in their property to support your purchase, helping you get into the market sooner.
With a guarantor, you may be able to borrow up to 100% of the purchase price, avoiding the need for a deposit and eliminating Lenders Mortgage Insurance (LMI) — which can save you thousands of dollars upfront.
LoanCastle's guarantor loan specialists will clearly explain the obligations and risks for both the borrower and the guarantor, and recommend lenders with limited guarantee options that protect your family member's equity as much as possible.
Our Credentials
Why Australians Trust Us
- Qualified Mortgage and Finance BrokersOur brokers are fully accredited and hold Australian Credit Licences. We compare loans across 40+ specialist lenders to find the perfect fit for your financial goals.
- Over a Decade of Experience in AustraliaWe have been assisting clients across Australia for over a decade, helping thousands of Australians secure the right finance for their property and investment goals.
- Satisfied CustomersOur commitment to exceptional service means our clients trust us with their most important financial decisions. We maintain a 5-star rating across all major review platforms.
Feefo Verified
Recent Verified Reviews
“LoanCastle helped us structure our loan perfectly. Their specialist knew exactly what was needed and made the whole process seamless from start to finish.”
“We'd been knocked back by two other brokers before finding LoanCastle. They found us a lender within days and guided us through the entire process.”
“Outstanding service from start to finish. Our broker was knowledgeable, responsive, and genuinely cared about getting us the best possible outcome.”
“I had no idea how complex the lending process was until I tried to navigate it myself. LoanCastle took all the stress away and settled our loan faster than expected.”
“From first enquiry to settlement, the team at LoanCastle were professional, prompt and incredibly knowledgeable. Couldn't recommend them more highly.”
“Got a rate I didn't think was possible. The broker shopped the market thoroughly and saved us over $350 per month on our repayments. Exceptional service.”
Our Advantage
Why apply for a loan with us?
We specialise in tailored finance and understand the unique requirements of every client. Here's why Australians choose LoanCastle.
Fast & Easy Application
Apply easily with our streamlined process. We have helped thousands of Australians secure their loans. Apply online in minutes and get a same-day response from our team.
Access to 40+ Lenders
High success rate in accessing a panel of more than 40 specialist lenders. We compare hundreds of loan products to find the right structure for your situation.
Personalised & Efficient Service
LoanCastle prides itself on genuine partnership with every client. We understand lending can be complex and we're dedicated to finding the best outcome for you.
How It Works
Our Process
Our specialist team simplifies the lending process from start to settlement, ensuring you get the right loan every time.
Start Your Application
Fill in our easy online form or call our specialist team. No obligation — we'll assess your situation and explain your options clearly.
Sign Your Loan Documents
Follow the simplified process to complete your documents. We use digital signing to make the paperwork fast and hassle-free.
Get Funded
Once your loan is approved, we manage settlement from end to end so you can focus on what matters most.
Our Full Range
Other Services We Offer
Home Loans
Competitive home loan rates from 40+ lenders Australia wide.
Read MoreSMSF Loans
Specialist SMSF loans for residential and commercial property.
Read MoreInvestment Loans
Grow your property portfolio with smart investment lending.
Read MoreOwner Occupied Loans
Live-in home loans tailored to owner-occupiers across Australia.
Read MoreFirst Home Loans
Step into home ownership with expert first home buyer guidance.
Read MoreDevelopment Funding
Fund your next residential or commercial development project.
Read MoreRefinancing Home Loan
Switch to a better rate and save thousands on your home loan.
Read MoreYour Questions, Answered
Frequently Asked Questions
Have more questions? Our specialists are ready to help you find the right solution.
Talk to a Specialist
Our lending specialists are available Monday–Friday 8am–6pm AEST. Book a free, no-obligation consultation to explore your options.
Get In Touch
Speak With a Specialist Today
Our lending specialists are ready to help you understand your options. Whether you're ready to apply or just exploring, we offer a free, no-obligation consultation to help you get started.
Send Us a Message
We'll respond within one business day.