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with some lenders a guarantee does not affect your personal borrowings even though in reality its a contingent liability. Whether it shows up on the credit file or not, if its lender policy that you should declare same it would be sensible to do so ta rolf

best of luck in the real world if you can get a no recourse facility with a low enough LVR you may be able to pull it off. Another method that may work for your needs ss CBA property share product, though not aware if its available for unit trusts, and in reality i dont think its been well...