Australian Property Guardianship
APG is a step below full property ownership, under conditions that are favourable to every form of property need. Guardianship is a tailored system that creates a pathway where a Guardian Right (House) value can become affordable for everyone.
Our Guardian Right market provides housing opportunities that can: mitigate risk, reduce debt or save weekly costs for some, create equity and protect family members for others, and it offers practical solutions for retirees, developers, and first home buyers that are more favourable, affordable and convenient.
Guardians can be used to rebuild derelict or uninsurable homes and develop vacant land without owning the title, and while their costs are cheaper than renting, the landholder equity increases and everyone including society is a winner.
learn moreGuardianship is a closed market, bound by the Guardian Right Terms Agreement. This opens the door to;
- A new form of home ownership for first home buyers
- New property opportunities and investment strategies
- Supply and demand movement - The return of empty properties to the market
- Debt reduction and interest savings opportunities
- And the rebuilding of communities through investment rather than insurance
A Guardian Right simplifies housing complexity
GUARDIAN RIGHT REGISTRY
Property owners are provided with a registered Deed and Call Option to protect their interests through a clear set of Terms agreed by participating parties many times over.
The registry provides the security for clients to create, manage and use equity share in a manner that offers many new financial advantages.
We provide a Marketplace platform to buy and sell the Guardian Right, set up joint developments, and help connect lenders with borrowers.
And we protect clients using a historical and deeded ledger detailing ownership split succession, historical dates and call Option values which come with auto remider prompts when call options become active.
Explore moreHow The REGISTRY Works
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Landholders have the opportunity to establish a Guardian on their property through a Guardian Right or a Development Right contracting the Guardian to build fixtures on the property. This Right diminishes in value by 10% annually providing a set sale price and agreed Call Option dates where the right can be purchased. Landholders effectively transfer property responsibilities to the Guardian, reducing future repair, maintenance and management costs. Landholders can use these rights to increase equity without holding large debt while at the same time benefiting the Guardian.
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Guardians possess a personal interest in the property, granting them exclusive long term residency until a call option is exercised or the interest is sold. This arrangement provides Guardians with property certainty taking on all of the privileges and responsibilities of the property. Guardians lose money through depreciation instead of paying rent which also helps with the cost of living issue. Guardianship gets cheaper, that the point, and when the end of the tenancy is due, the Guardian receives the agreed dollar value for the Right at the time of the exchange.
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Investors can now invest in low risk bank type mortgage repayments which are fixed for the term of occupancy and pared against market rents. This means the longer the investment is the safer it becomes. Guardian Right investors hold personal security which is a break from traditional bricks-and-mortar security, but no different than new car finance. Utilizing straight-line reducing loan calculations with fixed-term interest, a 50-week year, and a maximum 10-year term, investors mitigate risk by aligning the reducing debt with the current value of market rents, to ensure affordability.
No Hidden Clauses
We Offer:
- Registry T's and C's
- Automated forms
- Marketplace
- And an Investor Portal
Registry clients are required to agree to the Guardian Right Terms Agreement and pay a $20 p/a subscription fee to commit to those Terms and access the management services.
Properties can then be entered into the system and split in 2, with automated forms to provide the chain of checks and balances and make the process easy, and this opens up Marketplace where we can buy and sell the shares of the property using our listing function which includes a chat function relating specifically with the seller.
We provide the important link between first home buyers, developers and property owners as they navigate through a new property mindset toward financial security, freedom and responsibility, using the safety net and security of guardianship.
Depreciation and call options create a purposeful fixed market void of rental returns to ensure that the cost of guardianship continues to reduce, while at the same time benefitting the landholder, investors, the occupant and society.
View all servicesImportance of Call Options
Call Option Calculator: Discover what your Guardian Right value will be worth 5, 10, or 20 years into the future by playing with the calculator before you commit to a call option date and preset value. The value of the Guardian Right that you begin with is found on your rates notice where you will find the land value separate from the CIV or capital improved value (the fixtures). Property Owners can change this value using a registered Valuation if they choose provided the valuer specifies land value and fixtures separately. If the property has dual residences then this will also need to be itemized. Once this property SETUP is completed these dates and values are set and used by successive owners.
Development: The only exeption to this is when a development right is used by a guardian, which allows the dates and values to be changed by mutual agreement. The value and date will have already been preagreed using the supporting documentation which includes builder contract prices and timelines etc. This provides the developer time to build or rebuild a fixture, and it compensates the developer for developing the land without owning it. When the house is built, it is the landholder who will pay the rates on the new CIV as his property value will increase, and the Guardian will get a secure long term ocupancy that has a saleable value when the guardian chooses to leave or is optioned out.
A Guardians Need: Ownership flexibility ensures the Guardian is adaptable to changing circumstances. Guardians are not fixed to a home that no longer suits, and as the value falls, the property will be easy to onsell, or if we aare incapacitated, the home can be altered to suit our change in condition. This flexibility provides a stability that renters cannot dream of, and Yes guardians repair and maintain the property but this expense ends up back in their pockets when their Right is sold and they move on.
Investment: Just like a new car that reduces in value, so does a Guardian Right, and this means that interest based investments, said to be low risk, can be taken out just as easily as buying a Mercedes. Financiers can even include mums and dads directly, and this is another benefit for society.
Learn MoreSelling a property share.
Register yourself into the Guardian right registry. Here, you can view a list of registered properties for sale or register your own property which you are able to list in parts. Listings include a chat line for buyers and sellers and there is a place for borrowers and lenders to do the same. Our forms enable registry changes and solicitors handle the monetary exchange. Once the set-up or sale is completed, the registry sends a Deed of Right as confirmation. When selling land under right, you must inform the solicitor about the terms agreement and Call Options, which must be included in the contract's Special Conditions. A land transfer form is required by the registry.
Exiting the system
To remove the property from the registry, the two shares of the one property must be owned in the same name for an Exit form to be activated.
When this is achieved, the prefilled Exit form can be signed and executed and the property details for the house and land will be omitted from view, but the history will still be held at the registry as per legal requirements.
Automated help
The Registry prompts owners when a Call Option comes due as a reminder that a tenancy term can end or be renewed. These prompts activate a call option Accept/decline button where the activation process can begin.
The preagreed value and date is known by both parties which removes any argument about price. This is noted on their repective Deed of Right or Guardian Right Call Option and riterated in the Terms Agreement.
Investment Portal
The investment portal service allows borrowers and lenders to meet up. The registry offers a lenders agreement with guidelines to protect borrowers through a combination of market rent and straight-line reducing loan rules to limit risk.
Using fixed interest, a 50 week year, and a maximum 500 week term guided by the current market rent as the ceiling repayment works a treat.