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hi its leah busby at blackfish finance weve had a heap of inquiries lately of clients wanting to remove their family guarantee so what that means is when they originally you guys originally bought your house we used a parents property to help you whether it was a low deposit or to avoid mortgage insurance theres a lot of different reasons why clients do family guarantees but we do get a lot of questions of how can i remove it so firstly in a perfect world you want to remove it when your loan balance is down to 80 of what your house is worth and then it is a different process with every bank so firstly we would usually get your house done we can get that done with most lenders at no cost to you because of our relationships with the banks so we will get your house value work out what 80 percent of that is check what your loan balance is and then initiate the paperwork to get that going some banks will still refund its a higher percentage so anything higher than 80 you would pay lend