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the property market has been red hot [Music] values are continuing to increase at crazy levels we helped a first home buyer buy their home for 800 000 in january 2021. 10 months later their house was worth a whopping 1.1 million dollars ing to the bank thats a 300 000 increase tax-free but whats this got to do with removing a guarantor from a mortgage well this client bought the house using a guarantor home loan using their parents as guarantors in other words they put in zero dollars and zero cents as a deposit and today 10 months later theyve got 300 000 in equity normally that wouldnt be the case well normally guarantee loans are removed within two to five years as thats the time it ordinarily would take to build up 20 equity in the property but with the way property value has been going if youve used the help of a guarantor to buy a home in the last 12 plus months you could be in a really good situation like our clients who have just helped remove their guarantor from their p