
Family Home GuaranteeSolutions
Specialised support for single parents and legal guardians to purchase their family home with government assistance.
Why Choose Us?
Expert Guidance
12+ years experience
50+ Lenders
Best rates guaranteed
Fast Processing
Fast pre-approval
Family Home Guarantee Solutions
The Family Home Guarantee helps eligible single parents and legal guardians purchase a home with as little as 2% deposit. This scheme recognizes the unique challenges faced by single parents and provides additional support to help them achieve homeownership.
Available Government Support
Access all available government grants and schemes to maximize your savings and reduce your deposit requirements
First Home Owner Grant (FHOG)
One-time lump sum payment to help first home buyers enter the property market. Amount varies by state and location.
First Home Buyer Guarantee Scheme (FHBG)
Purchase a home with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI).
Family Home Guarantee
For single parents and legal guardians - purchase with as little as 2% deposit without LMI.
Regional First Home Buyer Guarantee
5% deposit for regional properties. Must have lived in regional area for 12 months.
Stamp Duty Concessions
Reduction or elimination of stamp duty fees for first home buyers. Varies by state and property value.
First Home Super Saver Scheme
Save for your first home inside your superannuation fund with tax benefits and withdraw for purchase.
Need Help with Grant Applications?
Our experts can help you identify and apply for all available grants and schemes to maximize your savings
Get Grant AssistanceWhat We Offer
Comprehensive family home guarantee solutions tailored to your needs with expert guidance and competitive rates
Family Home Guarantee (2% deposit)
Professional guidance and support throughout your loan journey.
Single parent and legal guardian support
Professional guidance and support throughout your loan journey.
Must have dependent children
Professional guidance and support throughout your loan journey.
Access to family-specific grants
Professional guidance and support throughout your loan journey.
Streamlined pre-approval service
Professional guidance and support throughout your loan journey.
Access to 50+ lenders
Professional guidance and support throughout your loan journey.
Zero broker fees
Professional guidance and support throughout your loan journey.
Complete family guidance
Professional guidance and support throughout your loan journey.
Why Choose Our Family Home Guarantee Services?
Experience the difference with our expert guidance and comprehensive support designed to help you achieve your financial goals
Lowest Deposit at 2%
Access the most affordable homeownership option with just 2% deposit through the Family Home Guarantee scheme.
Specialised Family Support
Our team understands the unique challenges faced by single parents and legal guardians in achieving homeownership.
Family-Specific Guidance
We provide tailored advice for family home purchases, considering school zones, family amenities, and long-term needs.
Legal Guardian Inclusion
We help eligible legal guardians including single aunts, uncles, and grandparents access the Family Home Guarantee.
Ready to Experience These Benefits?
Join thousands of satisfied customers who have improved their financial situation with our expert guidance
Book Free ConsultationYour Family Home Guarantee Journey
Simple, transparent steps to get your family home guarantee approved with expert guidance every step of the way
Family Status Verification
Verify your status as a single parent or legal guardian with dependent children under your care.
Initial Family Consultation
Discuss your family's specific needs, budget, and preferred locations for your family home.
Eligibility Assessment
Review all eligibility criteria including income limits, dependent children requirements, and property ownership status.
Borrowing Power Calculation
Calculate your borrowing capacity with the 2% deposit requirement and family-specific loan structures.
Family-Suitable Property Search
Find properties that meet your family's needs including schools, amenities, and long-term growth potential.
Application & Settlement
Submit your Family Home Guarantee application and complete settlement with specialised family support.
Frequently Asked Questions
Common questions about family home guarantee answered by our expert team
What is the Family Home Guarantee?
The Family Home Guarantee helps eligible single parents and legal guardians purchase a home with as little as 2% deposit without paying Lenders Mortgage Insurance (LMI).
Who is eligible for the Family Home Guarantee?
Single parents or legal guardians who are Australian citizens or permanent residents, aged 18 or over, have dependent children, and don't currently own residential property.
What is the minimum deposit required?
With the Family Home Guarantee, you can purchase a home with as little as 2% deposit, making it the most accessible homeownership option for eligible families.
Can legal guardians apply?
Yes, the scheme now includes eligible legal guardians such as single aunts, uncles, or grandparents who have dependent children under their care.
What types of properties can I buy?
You can buy or build a property of any type (new or established) as long as it will be your family's primary residence.
Are there income limits?
Yes, there are income limits that vary by location and family size. We can help you check your eligibility based on your specific circumstances.
Still Have Questions?
Our expert team is here to help answer any questions you may have about family home guarantee

Sumit Joshi
Senior Loan Advisor & Director
“We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.”
- Vandhana Naidu
What Our Customers Say
Based on 331+ verified Google Reviews. Here's what our satisfied customers have to say about their experience with RyRo Loan Centre.
Vandhana Naidu
"We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond a..."
Emi Lia
"We had a great experience with Sumit and his team. We can't express enough how grateful we are to them, as they did a really splendid job! Helped us a..."
Rajnil Sharma
"Working with Sumit Joshi & co was a fantastic experience. They were very professional, knowledgeable, and made the whole process stress-free. I apprec..."
SS
"I had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment l..."
Garima Sharma
"Sumit made the entire property purchasing process smooth and stress-free. Always professional, responsive, and genuinely helpful, he went above and be..."
Info Nue Design Homes
"Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of hi..."
Gopichand Paladugu
"It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helped me in ev..."
Naga Seramsetty
"As recent migrants from New Zealand, my wife and I were navigating the complex Australian property market for the first time, and we couldn't have ask..."
Andrew Napier
"I had an amazing experience working with Sumit to secure a loan for my first home. From start to finish, he made the process smooth, stress-free, and ..."
Kamal Raqba
"Sumit Joshi is our trusted mortgage broker, we have used his services for the last 8 years and he has always guided us in the right direction and prov..."
Adam Moffat
"As first-time homebuyers, we were initially unsure about which mortgage broker to choose, and we had a few lined up to discuss our needs. Sumit at RyR..."
Yash Dharva
"I had an outstanding experience working with Vijay Dhingra from RyRo loan centre from start to finish. They made the entire mortgage process smooth, s..."
Praneet Singh
"Sumit and his team were super helpful throughout the entire loan approval process. Always prompt with responses and super convenient to deal with if I..."
Sudhir Sehgal
"First of all heartiest thanks Sumit for making our journey to get loan approval so smooth and in really very comfort zone, since I am in Australia I h..."
Chloe Martirena
"I had an amazing experience working with Sumit while buying my first home! From the very beginning, he was incredibly responsive and always made time ..."
Suvidha Horn
"Thank you so much Sumit, Dean, Kathryn and the team at RyRo. You guys have been excellent and thorough professionals. Highly recommended for any home ..."
Alex
"Sumit and team gave as an amazing experience, even after we decided to back out of our first purchase , I reached out to Sumit a year or two later, he..."
Jay Patel
"I had an exceptional experience with RyRo Loan Centre, and I wholeheartedly recommend their services. Sumit and his team were not only highly knowledg..."
Manjit Kaur
"I had an amazing experience with Sumit! The whole process was smooth, professional, and stress-free. He was incredibly helpful every step of the way, ..."
Tyler Howard
"I can't recommend Sumit enough! As a first-time home buyer, I was nervous about the whole process, but he made everything so easy and straightforward...."


“We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.”
Vandhana Naidu
Ready to Secure Your Financial Future?
Join 2000+ Australian families who've achieved their property dreams with RyRo Loan Centre. Get expert guidance and access to the best loan products.
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