The Guardian market provides new housing opportunities that can: mitigate risk, reduce debt, create equity, protect family members, and offer retirees and home owners more choices for their convenience.
Strategists can introduce derelict and uninsurable homes into the housing market, and vacant land can now be developed by a Guardian, offering property owners and developers passive growth without the expense and responsibility while creating affordable housing.
learn moreProperty owners are provided with a safe and affordable way to create, manage and use equity share through a terms agreement to regulate this new market for financial advantage.
We provide a Marketplace platform to buy and sell the Guardian Right, set up a joint development, and connect lenders and borrowers.
And we protect clients using a historical and deeded register detailing ownership succession and historic dates with remider prompts when call options become active.
Explore moreLandholders have the opportunity to establish a Guardian Right over existing fixtures on their property or or Development Right to build fixtures on the property. This Right diminishes in value by 10% annually providing a set price and purchase dates through Call Options to buy the right back. 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.
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 ownership taking on all of the privileges and responsibilities of the property. Instead of paying rent, Guardians lose money through depreciation. Just like a new car which gets cheaper, guardianship does the same, and when the end of the tenancy is due, the Guardian receives the dollar value for the Right at the time of the exchange.
Investors can now invest in low risk bank type mortgage repayments which are fixed for the term of occupancy, pared against market rents, which means the longer it runs the safer the investment becomes. Guardian Right investors hold personal security which is a break from traditional bricks-and-mortar security. 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.
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Once a property is entered into the system, automated forms make the process easy and helps the registry keep track of the current owners and their responsibilities.
Marketplace provides the important link between first home buyers, developers and property owners as they navigate through a new mindset toward financial security, freedom and responsibility, using the safety and security of guardianship.
Purposeful depreciation and a fixed market ensures that the cost of guardian houses will continue to reduce, providing a unique pathway for affordable housing over the long-term.
View all servicesProtecting Your Home: When property owners create a Guardian Right over their property, the first Call Option date is yours to choose. You may wish to secure your home against banking changes, geopolitics or family disputes, or provide security for a family member, cash in some equity in retirement, or just pay off debt and hold the land for future increases.
Development Opportunities: Guardianship allows me to own the land and you to build on it. Whats in it for me is that I get the equity gain because it is my land, I hold the title. Whats in it for you, is that you get a long term tenancy for a fixed price paid for in advance, and when you leave you sell the Right and get paid. Guardianship is much cheaper than renting and it does not come with tenancy rules. Even the lender gets a good deal due to repayments begining pared to market rent which is increasing over time while the repayments are fixed which lowers the risk against market forces.
The Guardians need: Buy and sell flexibility ensures the Guardian has a long-term secure occupancy while being adaptable to changing circumstances. This flexibility provides a stability that renters have never had, and the move away from renting to guardianship allows Guardians to make their house a home, understanding that repairs and maintenance spent will end up back in their pockets when the right is sold and they move on. Prior to commiting, guardians can check the call option calculator to know what the return will be.
Learn MoreRegister 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.
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.
The Registry prompts owners when a Call Option comes due as a reminder that a tenancy term can end or be renewed. Terms provide owners with registry certainty that a call option has been activated and leads them to the next steps.
This 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.
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.