How Society Benefits
Like poverty, housing complexity is manmade, resulting from extensive law and regulatory changes brought forth by hundreds of elected officials that have come and gone. Even when the Sydney Harbour Bridge was constructed, Australia was said to have a housing crisis which is still stuck on the landlord - renter roundabout. By adding a Guardian to the landlord - renting model, society is provided with new opportunities to separate the peoples needs from current debt-based investment strategies for wealth creation.
Australian Property Guardianship (APG) is a housing model which uses a Terms Contract to depreciate housing so future occupiers have a choice that may range from the very expensive, to moderately priced, to free. Guardianship, as it relates to property, is not a standard legal term within strata or real property law. The term "Guardian Right" refers to an interest purchased by an individual (the "guardian") to manage and safeguard the property with, and a right to occupy for a specified time, potentially governed by contract rather than by registered title. occupy a property on behalf of the landlord who holds Call Options to buy back the guardians right when required.
Without affecting strata and property law, APG offers the Guardian Right as an alternative to renting, and with this, property responsibilities are separated with some being transfered to the guardian for the benefit of both parties. Guardianship provides landlords with the choice to increase costs through rent or decrease costs through depreciation and call options.
Creating a Guardian Right over our existing properties, allows APG to be integrated all over the country through our various societal frameworks without the need for disruptive changes. Guardianship offers society a flexible, adaptable solution to the persistent and complex problems causing housing scarcity and affordability issues, and furthermore, it empowers individuals by granting them a new form of ownership stability which is crucial in fostering harmonious and prosperous communities.
Guardianship reduces the excessive financial burden associated with traditional housing models, the guardianship system paves the way for a more equitable distribution of resources. It benefits not just those who are directly involved in the housing market, but also the broader society. With APG in place, families can enjoy a secure living environment, while the government can allocate funds more effectively, addressing other pressing societal needs.
Market Benefits
New strategies and various investment opportunities are now open to landlords, investors, guardians and renters, providing specific benefits for each group without creating a detriment to other parties who each require different outcomes—social, institutional, and personal—benefiting everyone at once.
The potential for High-Rise residential developments to increase profitability and create affordable housing supply where it is needed depends upon the towers legal structure relating to the renting of the units. To build the tower, hold the units, and sell the guardian rights to pay for the building costs does not prevent the building from increasing in value, even though the guardian right values are perpetually reducing at the same time.
The Guardian Right is transferable under terms and can be sold at any time for its current value, and because it is considered personal property, it may not require a deposit, just like purchasing a car does not, and this opens up the market for more and more people requiring a house of their own.
When it comes to Security and Risk, guardianship always has a residual value, and over time the Guardian Right becomes even more desirable as its guardian price reduces in a housing crisis where market rent continues to increase.
Property Opportunities
For Vacant Land: When land enters the guardianship system, a Guardian Right and Call Option is created, allowing new development possibilities on the land without altering its ownership title. This approach can make housing costs more manageable, particularly for first-time buyers or long-term renters, as they can initially purchase just the house without the land cost, which can be acquired later depending on opportunity and circumstances.
House and Land: Transitioning from a rental property to a Guardianship property, allows landlords to opt for receiving a lump sum instead of weekly drip. This could be advantageous for landlords requiring work on their property, address landlord or tenancy policy changes, pay off debt, or utilize equity more effectively.
Mum and Dad: Parents often use the equity in their homes to assist their children in purchasing property. While banks consider interest-bearing loans low risk due to their dominance in the financial property market, a Guardian Right presents a low risk alternative investment aiming to protect mum and dad interests to hold land and the kids to buy the house, creating a legal protection that is able to benefit families and family members.
No Deposit Loans: Unlike property mortgages that require a deposit, personal loans do not, and to manage loan risks, wthe registry provides repayment guidelines. These guidelines assist with the capping of repayments at market rent prices to prevent risk. Guardianship drives down housing costs and creates benefits for owners, guardians, investors, developers, and the government, not only for a monetary gain, but also in security.
A Shifting Awareness
Australia’s need for safe, affordable, and stable housing is a recurring theme in political campaigns pre-election. However, post-election, old patterns reemerge, and little seems to change due to bureaucracies holding firm to their departmental landlord or rental agendas. To address this issue effectively, APG education could align these departments using inclusive theory and practical application knowledge to come together and promote new systems like Guardianship to be introduced under their watch.
The concept of Australian Property Guardianship as a permeable solution to the persistent housing problems would bridges departmental divides and pave the way for more effective housing policies that would benefit all Australians. This shift in approach is crucial for creating a sustainable, viable and equitable housing market filled with suppliers profiting by giving society what it needs, - affordability and stability is now real.
Adding a property to the Guardian Right Registry or building one specifically for this market creates a contractual obligation between the Landholder and the Guardian which stays in place and is passed from one owner to another until one party owns both portions of the property, at which point the obligation can end should the owner wish to exit the system formally. This means that a property can enter and exit many times while still benefiting both parties and society at large.
For the guardian, guardianship offers freedom. Freedom from tenancy woes and restricted tenancy use, and freedom from excessive debt and property costs such as stamp duty, and the freedom of responsibility, making the house a home and maintaining a healthy standard of living conditions without interference.
Expert in the Making
APG was developed through buying and selling, renting, developing, and subdividing properties, understanding ballot conditions, contracts, special conditions, vendor terms, overlays, rights of way, easements, existing leases, taxes, trusts, valuations, different borrowing criteria from banks, solicitors and vendors, and different council rules in each locality, has provided enough knowledge to build a more advanced and robust housing model that can act as a fabled "silver bullet" against opinion and complexity.
Property Guardianship is hereby enacted. It is not just words and theory, it is a functioning market creating immediate impact and behind the scenes - long term results.