Guardianship Housing Model
Guardianship can be used as a stepping stone toward property ownership, mitigate risk, reduce debt, create equity, spend equity, protect family members, reduce costs, and transfer responsibility through a common set of Guardian Right terms and conditions.
Able to be used over existing properties, Guardianship offers new strategies over house and land, vacant land, and derelict and uninsurable homes, which can now be developed or redeveloped by the Guardian rather than the landholder.
The system, beneficial to owners, guardians, investors and society separates property into real property and personal property, and this opens another door for investors to enter a marketplace where banks once had the monopoly.
learn moreGuardians own a specific interest in the property, but not a share of the title of the property. A Terms Agreement redirects property responsibility to the guardian, values the Right, and enforce Call Options which opens the door to;
- New terms of occupancy
- New housing opportunities
- New investment and taxation strategies
- Return of empty properties to the market
- Early debt reduction and interest savings
- And the rebuilding of communities through investment rather than insurance
We make the complex, simple, in support of clients and society
GUARDIAN RIGHT REGISTRY
We provide property owners with a safe and affordable way to create, manage and control equity through a common terms agreement for financial benefit.
We provide the platform to set-up a Guardian Right over a property, create a development right over vacant land, derelict or flood affected property, buy and sell the Guardian Right, and help guardians and investors meet.
We coalate documents and records in an historic register ledger which detail ownership succession, historic dates and dealings and call option dates, and we provide automated notifications when call options can be activated, and changes in property owners have taken place.
Explore moreHow The REGISTRY Works
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Landholders have the opportunity to establish a Guardian Right or Development Right over existing fixtures on their property or build fixtures on the property. This Right diminishes in value by 10% annually providing a set price and date through Call Options to buy it back. Landholders effectively transfer responsibilities to the Guardian, reducing future repair, maintenance and management costs. This innovative system not only simplifies housing complexities but also clarifies rules and offers new solutions to counter current housing trends.
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Guardians possess an equitable interest in the property, granting them exclusive long term residency until a call option is exercised or the equity is sold. This arrangement provides Guardians with a stepping stone to property ownership taking on all of the privileges and responsibilities of property ownership where Guardians pay fixed interest repayments rather than increasing market rent. The reducing value of the right ensures that when the end of the tenancy is due, the Guardian receives the dollar value of the right at the time of the exchange.
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Investors can now invest in property prices reducing as well as property prices increasing. transitioning investors from traditional brick-and-mortar security to personal security with less risk and potential for greater gains. 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 depreciating value of the Guardian Right against increasing market rents, where more and more people would be able to afford, protecting the investor uniquely.
No Hidden Clauses
We Offer:
- Registry T's and C's and Automated forms
- A chatspace to connect buyers - sellers - and investors
- A Marketplace and Call Option Calculator
- And an Educational service for property related matters
Once a property is registered into the system, it is automatically split in two, whether it is vacant land or already has existing fixtures such as a house etc. and this is where the opportunities begin.
Clients hold 2 records, one on the Land under Right, which carries no value until the owner sets it, and the other is marked House under Option, which depreciates monthly. This makes the process easy and helps registry users to keep track of their property and responsibilities.
Both shares can be sold at any time without affecting the other party. With a Call Option, the registry provides automated Call Option notifications to current owners, and the Call Option calculator will value the Right for the sale date according to the Terms Agreement.
View all servicesImportance of Call Options
Protecting Your Home: Set your Call Option date to secure your property against banking industry influences or family disputes. This provides stability and preserves your equity share.
Selling Equity: If you need to liquidate some of your property’s value, adjust the Call Option date to benefit both parties, allowing for a portion of your equity to be sold while future dating call options protects your long-term interests.
Development Opportunities: When considering Equity Growth, consider a Development Right for new builds or rebuilds. Call Option dates can be changed subject to partner interests. Purposeful calculations should be pre-arranged to ensure both parties gain from the property’s enhancement and future sale.
Future Planning: Adjust your Call Option date to accommodate future plans, whether it’s for redevelopment, equity sharing, or personal reasons. This flexibility ensures thet the Guardian Right remains beneficial and adaptable to changing circumstances.
Strategy Time: Pre and post call option dates create strategic differences as to whether you protect your interests or create a strategy to grow equity space to increase profits or use up some of your own equity for other purposes can provide a structured approach to managing your property portfolio uniquely.
Learn MoreSelling a property share.
As a member of the GRR, your property will include House under Option and Land under Right. You can choose one or the other from your registered property list, the house value is prefilled and cannot be changed, and the land price is up to you. You can also add photos and a description to enhance the listing.
after conversing with a buyer, you must buy the prescribed for and a solicitor must handle the monetary exchange. Then you send back the signed form so the registrar can update the registry. You will need to either purchase the Buy/Sell or Development form to input the new owner's details. Once the sale is complete, a new Deed of Right will be issued as confirmation still subject to the same Terms.
When selling land linked to a Guardian or Development Right, the solicitor must note this agreement and include it in the contract's Special Conditions.
Exiting the system
To remove the Property from the registry, the two shares of the property must be in the same name for an Exit form to be able to be used.
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 services
The Registry prompts owners 4 months before a Call Option comes due as a reminder that a tenancy term can end or be renewed, offering a 1 month grace period as option notification is required 3 months prior to the option date being called.
This is an automated service based on the submitted forms which provide the current owners a fair and just way to take stock of the situation about to occur.
Investment Portal
Guidelines and rules protecting borrowers and lenders should be followed to remove risk from the investment. This would be to start with Market Rent as the Cap under which the term and interest rate can be formed to produce repayments that many can afford.
The straight-line reducing loan also provides security for both borrowers and lenders reducing the debt in line with the fixed vales of the next sale. A GR Mortgage form can be purchased and registered against the GR Equity Share.