I have a general understanding of guarantor home loans and its requirements from what I've read online. One of the advantages that I've read is that you can possibly get better rates via one. If that's true would it make sense to make a property purchase (PPOR) even if I could afford the 20% deposit? If the purchase was an IP, I can see that having more money in the mortgage would be advantageous as you could claim more tax benefits. Would the same be true for a PPOR purchase?