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You might find with mix use- Suncorp might be a worthwhile option to consider, i put a lot of mix use through them and LVR range from 70-75% with less conditions than the one you mentioned ( but it all comes down to your financial capability and strength as well) but get your broker to run the...

Seek advice from your accountant, but it's safer and smarter to lend cash to you VS being a guarantor on a or any loan, as it's a private agreement btw you and your parents VS involving the banks etc....