Profit drives Supply, and Affordability is the Demand. Australian Property Guardianship (APG) recognizes this and challenges traditional landlord - renter wisdom by adding a Guardian to the landlord-renter conundrum, thereby changing how the property game is played from this point on. Guardian Right terms and Call Options breaks the traditional deadlock and presents society with opportunities to use housing both as a basic need which gets cheaper over time, and as a tool for wealth creation but with more options.

                                                            How Society Benefits

The concept of guardianship, as implemented by APG, utilises a Terms Contract to depreciate housing, ensuring that future occupiers have access to affordable options.The "Guardian Right" grants a beneficiary—known as the guardian—an interest in, and right to occupy the property for a specified period of time, managed by Call Options and governed by the landholders Trust Deed Agreement.

This approach aligns with existing trust and property laws and removes the tenancies act, allowing property responsibility and debt relief to be transferred to the guardian for mutual benefit. Landlords and guardian occupants gain financial independance and flexibility to buy and sell their property interest without affecting the other.

The integration of Guardian Rights into existing properties enables APG to be adopted nationwide without significant disruption, offering a flexible solution to the ongoing issues of housing scarcity and affordability. Guardianship empowers individuals with a new form of ownership stability and pride, essential for creating harmonious and prosperous communities.

The guardianship model eases the financial burdens associated with traditional housing, distributing costs and benefits more equitably and paving the way for fairer resource allocation. The positive effects extend beyond direct participants in the Guardian Right market, benefiting society as a whole. Families can enjoy secure living environments, and governments can allocate housing funds more effectively while addressing broader social needs.

 

                                                                Market Benefits

The Guardian Right market is fixed, like a shonky horse race, where certain punters know the race outcome in advance, but with the Guardian market, everyone knows the outcome in advance, and this ensures all punters place their position with their eyes open. Strategies and investment opportunities for landlords, investors, lenders, guardians, and renters, each enjoying specific positional advantages without negatively impacting the others, provides property punters with a win-win.

These benefits address a range of social, institutional, financial, and personal outcomes, creating value for everyone involved. The Guardian Right is seen as personal property, and as such comes under the same financial arrangements as we use to buy cars and machinery, and this opens the Guardian Right housing market to a broader population seeking homeownership who have not been able to save a large deposit.

                                                            Property Opportunities

For vacant land, the guardianship system creates a Guardian Right and Call Option, allowing the landlord to let the guardian build on the land. This arrangement can make housing more affordable for first-time buyers or long-term renters, as they can construct a dwelling without immediately bearing the land cost, secured by a minimum occupancy period, while landholder equity increases.

In house and land scenarios, the split equity model lets owners transition from rental properties to guardianship arrangements. Landlords can now opt to receive a lump sum instead of weekly rent, which can be beneficial for those managing debt or requiring property improvements. Separate interests can address issues in tenancy acts and evolving landlord-tenant policies, redistribute debt obligation and generate profits for both parties.

High-rise residential developments can leverage the legal structure of APG to boost profitability and increase affordable housing supply in targeted areas. Developers can sell Guardian Rights to finance construction costs without selling the unit titles, acting as a game-changer for housing fund managers and the like. 

For families, especially parents wishing to assist their children in purchasing property, a Guardian Right Call Option offers a low-risk alternative investment. Parents can retain land ownership while the children purchase the house, providing legal and financial protection for family members.

Regarding personal loans, unlike property mortgages, these sometimes do not require a deposit. Market risk is now challenged because of dual market forces pushing up prices as well as down, and the flight risk or theft is not likely, and prices are fixed so there can be no loss there.