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Guarantor Loans

A guarantor loan could help you enter the property market sooner with support from an eligible family member. Rosella Finance will guide you through every step with confidence.

I Want to Buy
I Want to Refinance
Family Guarantee Loans

A helping hand towards home ownership

Saving a large deposit can take years, but a guarantor loan may help you purchase your home sooner. With support from an eligible family member, you may be able to borrow with a smaller deposit while exploring suitable home loan options.

At Rosella Finance, we explain how guarantor loans work, compare lenders, and help both borrowers and guarantors understand the process before moving forward.

Lower Deposit

A guarantor may help reduce the deposit needed to purchase your home.

Family Support

Understand how a family guarantee works and what responsibilities are involved.

Expert Guidance

Receive professional support from application through to settlement completion.

How does a guarantor loan work?

A guarantor loan allows an eligible family member to use equity in their property as additional security for your home loan. This may help you buy a property sooner, reduce your deposit requirements, or avoid Lenders Mortgage Insurance (LMI), depending on your circumstances and lender criteria.

Rosella Finance helps you understand the benefits, responsibilities, and lender requirements so everyone involved can make informed decisions.

Buy your first home sooner
Purchase with a smaller deposit
Potentially reduce or avoid Lenders Mortgage Insurance
Increase your borrowing options
Access a wider range of lenders
Receive personalised loan guidance
Understand guarantor responsibilities
Rosella Finance Guarantor Loan
Get Started Today

Explore your guarantor loan options

Request Your Free Consultation

Personalised. Transparent. Reliable.

Whether you’re buying your first home or helping a family member, Rosella Finance will guide you through the guarantor loan process with personalised advice and ongoing support.

Have questions about your loan options?
Call: 0493 749 529
What is a guarantor loan?
A guarantor loan is a home loan where an eligible family member provides additional security using equity in their own property. This may help you buy with a smaller deposit or avoid Lenders Mortgage Insurance, depending on lender criteria.
Who can be a guarantor?
In many cases, an eligible parent or close family member may act as a guarantor, subject to the lender's requirements and financial assessment.
Can I buy with a smaller deposit?
A guarantor arrangement may allow you to purchase with a lower deposit than a standard home loan, depending on your circumstances and lender policies.
What are the guarantor's responsibilities?
A guarantor provides additional security for the loan and should understand the financial obligations involved before agreeing. Independent legal advice is generally recommended.
Can the guarantee be removed later?
In many situations, the guarantee can be removed once sufficient equity has been built or the lender's requirements have been met.
Can Rosella Finance help with guarantor loans?
Yes. Rosella Finance can explain how guarantor loans work, compare suitable lender options, and support both borrowers and guarantors throughout the application process.
Rosella Finance
Step 1 of 3

Have you saved a deposit?

Do you have a deposit?
Step 1 of 3

What's the main reason you're refinancing?

What's the main reason you're refinancing?