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I've personally used a family guarantor for 2 properties. It allowed me to preserve my own funds for future purchases. First 2 properties I didn't put a cent in (besides small renovation) and still haven't reduced the total debt, just increased the debt secured against the purchase property and...

Are you planning on having the guarantor locked in for 5 years? When having a guarantors you want to make sure it's done right. Looking for a low rate shouldn't be (just like most cases) the most important thing for you. In fact locking in for 5 years for any time of loan is a long time. Is...