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Struggling to save the deposit for your first home? Caught in the rent trap? Wanting to achieve the great Australian dream?

Now you can with our Family Guarantee Home Loan^

Our Family Guarantee home loan option allows parents to use some of the equity in their own home (or other asset) to guarantee part of a home loan taken out by their children. This means you may be able to buy a property sooner, avoid paying the cost of mortgage insurance and therefore maximise the amount you can borrow.

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Benefits for the borrower:

  • Avoid paying thousands in mortgage insurance
  • Maximise the amount you can borrow
  • Gets you out of the rent trap and closer to owning your own home

Benefits for the guarantor:

  • Guarantor nominates specific amount the guarantee is limited to
  • Once the loan is reduced or the property increases in value the guarantee can be released
  • Helps your adult children purchase a home by using the equity in your home rather than having to provide cash for the deposit!


  • Loan terms up to 30 years
  • Weekly, fortnightly or monthly repayments
  • Free Redraw facility
  • Early repayment without penalty
  Additional Information:

^ Conditions Apply – please contact one of our lending consultants on (03) 5560 3900 for full terms and conditions.