Guarantor Loan CalculatorStrategy first. Numbers made clear.
All calculatorsFAMILY GUARANTEE STRUCTURE
See how a guarantor loan could be structured.
Split the lending at 80%, test your borrowing cap and see the property value needed to release the guarantor.
YOUR SEARCH RANGE
What price points should we compare?
SELECTED HOME · $780,000
101.9% total LVR$794,942 total lending
$624,000 standard split · $170,942 guarantor-supported split.
Loan 1 · no guarantor$624,00080% of the purchase price
Loan 2 · guarantor support$170,942Balance of price and buying costs
Total lending$794,942101.9% of purchase price
Target value to release guarantor$993,678$213,678 above purchase price
Total acquisition cost$824,942Purchase + government fees + $1,500 legal
COMPARE THE RANGE
26 scenariosChoose a price to explore
| Purchase price | Government fees | Cash contribution | Loan 1 · 80% | Loan 2 · guarantor | Total loan | Total LVR | Monthly repayment | Release target value | Position |
|---|---|---|---|---|---|---|---|---|---|
| $650,000 | $12,688Stamp duty $11,356.67Transfer fee $1,202.50Mortgage registration $129.20 | $30,000 | $520,000 | $114,188 | $634,188 | 97.6% | $3,880 | $792,735 | Within settings |
| $660,000 | $15,218Stamp duty $13,868.00Transfer fee $1,221.00Mortgage registration $129.20 | $30,000 | $528,000 | $118,718 | $646,718 | 98.0% | $3,957 | $808,398 | Within settings |
| $670,000 | $17,828Stamp duty $16,459.33Transfer fee $1,239.50Mortgage registration $129.20 | $30,000 | $536,000 | $123,328 | $659,328 | 98.4% | $4,034 | $824,160 | Within settings |
| $680,000 | $20,518Stamp duty $19,130.67Transfer fee $1,258.00Mortgage registration $129.20 | $30,000 | $544,000 | $128,018 | $672,018 | 98.8% | $4,112 | $840,022 | Within settings |
| $690,000 | $23,288Stamp duty $21,882.00Transfer fee $1,276.50Mortgage registration $129.20 | $30,000 | $552,000 | $132,788 | $684,788 | 99.2% | $4,190 | $855,985 | Within settings |
| $700,000 | $26,138Stamp duty $24,713.33Transfer fee $1,295.00Mortgage registration $129.20 | $30,000 | $560,000 | $137,638 | $697,638 | 99.7% | $4,268 | $872,047 | Within settings |
| $710,000 | $29,067Stamp duty $27,624.67Transfer fee $1,313.50Mortgage registration $129.20 | $30,000 | $568,000 | $142,567 | $710,567 | 100.1% | $4,347 | $888,209 | Within settings |
| $720,000 | $32,077Stamp duty $30,616.00Transfer fee $1,332.00Mortgage registration $129.20 | $30,000 | $576,000 | $147,577 | $723,577 | 100.5% | $4,427 | $904,471 | Within settings |
| $730,000 | $35,167Stamp duty $33,687.33Transfer fee $1,350.50Mortgage registration $129.20 | $30,000 | $584,000 | $152,667 | $736,667 | 100.9% | $4,507 | $920,834 | Within settings |
| $740,000 | $38,337Stamp duty $36,838.67Transfer fee $1,369.00Mortgage registration $129.20 | $30,000 | $592,000 | $157,837 | $749,837 | 101.3% | $4,588 | $937,296 | Within settings |
| $750,000 | $41,587Stamp duty $40,070.00Transfer fee $1,387.50Mortgage registration $129.20 | $30,000 | $600,000 | $163,087 | $763,087 | 101.7% | $4,669 | $953,858 | Within settings |
| $760,000 | $42,205Stamp duty $40,670.00Transfer fee $1,406.00Mortgage registration $129.20 | $30,000 | $608,000 | $165,705 | $773,705 | 101.8% | $4,734 | $967,131 | Within settings |
| $770,000 | $42,824Stamp duty $41,270.00Transfer fee $1,424.50Mortgage registration $129.20 | $30,000 | $616,000 | $168,324 | $784,324 | 101.9% | $4,799 | $980,405 | Within settings |
| $780,000 | $43,442Stamp duty $41,870.00Transfer fee $1,443.00Mortgage registration $129.20 | $30,000 | $624,000 | $170,942 | $794,942 | 101.9% | $4,864 | $993,678 | Within settings |
| $790,000 | $44,061Stamp duty $42,470.00Transfer fee $1,461.50Mortgage registration $129.20 | $30,000 | $632,000 | $168,000 | $800,000 | 101.3% | $4,895 | $1,000,000 | $5,561 short |
| $800,000 | $44,679Stamp duty $43,070.00Transfer fee $1,480.00Mortgage registration $129.20 | $30,000 | $640,000 | $160,000 | $800,000 | 100.0% | $4,895 | $1,000,000 | $16,179 short |
| $810,000 | $45,298Stamp duty $43,670.00Transfer fee $1,498.50Mortgage registration $129.20 | $30,000 | $648,000 | $152,000 | $800,000 | 98.8% | $4,895 | $1,000,000 | $26,798 short |
| $820,000 | $45,916Stamp duty $44,270.00Transfer fee $1,517.00Mortgage registration $129.20 | $30,000 | $656,000 | $144,000 | $800,000 | 97.6% | $4,895 | $1,000,000 | $37,416 short |
| $830,000 | $46,535Stamp duty $44,870.00Transfer fee $1,535.50Mortgage registration $129.20 | $30,000 | $664,000 | $136,000 | $800,000 | 96.4% | $4,895 | $1,000,000 | $48,035 short |
| $840,000 | $47,153Stamp duty $45,470.00Transfer fee $1,554.00Mortgage registration $129.20 | $30,000 | $672,000 | $128,000 | $800,000 | 95.2% | $4,895 | $1,000,000 | $58,653 short |
| $850,000 | $47,772Stamp duty $46,070.00Transfer fee $1,572.50Mortgage registration $129.20 | $30,000 | $680,000 | $120,000 | $800,000 | 94.1% | $4,895 | $1,000,000 | $69,272 short |
| $860,000 | $48,390Stamp duty $46,670.00Transfer fee $1,591.00Mortgage registration $129.20 | $30,000 | $688,000 | $112,000 | $800,000 | 93.0% | $4,895 | $1,000,000 | $79,890 short |
| $870,000 | $49,009Stamp duty $47,270.00Transfer fee $1,609.50Mortgage registration $129.20 | $30,000 | $696,000 | $104,000 | $800,000 | 92.0% | $4,895 | $1,000,000 | $90,509 short |
| $880,000 | $49,627Stamp duty $47,870.00Transfer fee $1,628.00Mortgage registration $129.20 | $30,000 | $704,000 | $96,000 | $800,000 | 90.9% | $4,895 | $1,000,000 | $101,127 short |
| $890,000 | $50,246Stamp duty $48,470.00Transfer fee $1,646.50Mortgage registration $129.20 | $30,000 | $712,000 | $88,000 | $800,000 | 89.9% | $4,895 | $1,000,000 | $111,746 short |
| $900,000 | $50,864Stamp duty $49,070.00Transfer fee $1,665.00Mortgage registration $129.20 | $30,000 | $720,000 | $80,000 | $800,000 | 88.9% | $4,895 | $1,000,000 | $122,364 short |
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