Australian Property Guardianship
Australian Property Guardianship lets you separate land ownership from the right to use a home. Through the Guardian Right Registry, you can register Guardian Rights, verify call options, and access a marketplace for trades and developments — all backed by fixed terms, transparency, and a clear framework that puts affordability and fairness front and centre.
Australian Property Guardianship (APG) is a property model designed to financially benefit owners, occupants and change investor behaviour. APG reduces the cost of housing and is both a flexible and transferable property solution that can be applied to most existing properties.
Wherever rent can be charged, guardianship can be used. Guardian renumeration is paid through depreciation rather than rent, and landolders use call options instead of evictions.
A guardians occupancy term is flexible, yet it is tied to fixed call options which reset every 10-years. Guardian ownership responsibilities include all repairs, maintenance and renovations at the property.
Registry subscribers use fixed market conditions to open up supply on existing housing stock including dead property that has become abandoned or uninhabitable, and can create new cost-sharing developments over vacant land or new strata developments designed to increase landholder equity while reducing occupancy costs.
Our market is fixed, not speculative, providing benefits to the guardian and the titleholder, and when market outcomes are known in advance, investment risk is removed.
learn moreThe Guardian Right market uses simple depreciation fixed at 10% p/a calculated monthly.
Guardian Right Call Options have preset dates and values, opening the door to;
- New property opportunities for first home buyers
- New property strategies for strata developers
- A runway for the return of empty properties to the market
- An opportunity to share property debt and pass on responsibility
- And offers mums and dads with investment alternatives
a One-Stop shop for every property need
GUARDIAN RIGHT REGISTRY
Property's are sepatrated into the Land and its Use, where the Guardian purchases the Capital Improved Value fixtures, the responsibility and the occupancy, through a transferable Guardian Right which creates two ownership interests, only one of which holds the property title.
The registry provides the contractual agreements binding successive owners through the terms agreement which use outside solicitors to manage all financial transactions, afterwhich the registry forms an historical ledger detailing the property split and ownership successions.
The registry also acts the Guardian Right marketplace whereby all subscribed parties who hold or wish to hold ownership interests have agreed to the terms agreement. The marketplace is a free service to create listings, buy interests, and connect borrowers with lenders.
The registry also provides Call Option prompts and email reminders, and resets call option dates and values, if and when required, and we now include a development service, for guardians who are involved in a share-equity development project where the completion of the project activates new Deed date and value changes under the development agreement.
Explore moreHow The REGISTRY Works
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Landholders act as trustees for a Guardian beneficiary who holds an equitable interest in the property. Landholders forego rent and responsibility in favour of a lump sum payment and a Call Option. Landholders can sell a Guardian Right or a Development Right over their property, and the Terms Agreement ensures that the Right diminishes in value by 10% p/a providing fixed future prices. Landholders set the initial Call Option date after which it renews every ten-years. This initial date provides flexibility for personal or commercial reasons.
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Guardians are poperty owners and beneficiaries of the landholder. Guardian right owners are granted exclusive occupancy until the call option comes due, at which time the landholder accepts or declines this call option. if the Landholder declines, the right is extended for ten-years, and if not, the landholder will pay the preagreed value of the right on the peragreed date. This arrangement is also flexible in that Guardians can sell their right at any time for the current depreciate value, and the right provides occupancy stability which come with owner privileges and responsibilities.
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Guardianship Investors are guided away from bricks and mortar investments and invest indirectly in property by offering interest bearing loans just as a bank does. Because the Guardian Right market reduces and bricks and mortar rentals increase, this duality investment carries less risk. Lenders are guided to use straight-line reducing loans and fixed interest, loans are to be completed by the call option date, and the weekly repayment which includes the interest component, should not begin greater than the market rent value of the property.
No Hidden Clauses
We Offer:
- Registry T's and C's
- Automated forms
- Marketplace
- And an Investor Portal
To enter the Guardian Right Registry, clients are required to agree to the Guardian Right Terms Agreement and pay a $20 p/a subscription fee to ensure that all party's act in a predictable manner when trading and investing in the guardian market.
Automated forms are purchased onsite are prefilled where necessary, provide the documented checks and balances. The process is easy, and this opens up Marketplace where clients can buy and sell the interests of the property using an ad-listing function which includes a buyer/seller chat room.
Marketplace provides the important first link between buyers and sellers, developers and property owners as they navigate through new property opportunities and strategize tax optimization using the safety net of Australian Property Guardianship.
Investor mindsets that move toward Depreciation and Call Options are stepping into a new world of property use, so it is imperative to grasp the concept fully before entering this market where rents do not exist.
View all servicesImportance of Call Options
Call Option Calculator: Discover what your Guardian Right value will be worth 5, 10, or 20 years into the future by playing with the call option calculator before you commit to anything. Property owners set the value of the Guardian Right which is found on the rates notice explained separately as the CIV noted separately from the land value. Property Owners can change this value by using a registered split Valuation if they choose unless the landholding has dual residences then this will also need to be itemized. Once the property SETUP is completed, the option date and option value is fixed.
Development: The only exeption to this, is when a development right is used, which allows the option date and option value to be changed by mutual agreement inline with agreed projected costs. Supporting documentation which includes builder contract prices and timelines etc are to be handled and witnessed by party solicitors. This paper trail provides the developer with time to build or rebuild a fixture, and it compensates the guardian for developing the land without owning the title. When the house is built, it is the landholder who receives the build equity on the property title, but it is the Guardian who gets a secure long term ocupancy, and owns a saleable interest at the same time.
A Guardians Need: First and foremost a guardian requires security such as a long term stewardship with the right to move if he/she chooses. This flexibility ensures the Guardian is adaptable to changing circumstances. Secondly, guardians are owners who may repair and renovate the property to suit his/her needs, such as if we become incapacitated, the home can be altered to suit our change in condition. And thirdly is the cost of occupation where your deposit reduces the loan amount effectively reducing your living costs as well as building a nest egg when you sell.
Mindset challenge: A Guardian (property) Right acts in the same manner as a new car, except that the value of the Guardian Right is always known, but the value of the car is not. Second to this is that gaurdians are owners. owners do not pay rent, and this is getting mixed up with leasehold owners who do. There is no lease.
Learn MoreSelling a property share.
Register 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.
Exiting the system
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.
Automated help
The Registry prompts owners when a Call Option comes due as a reminder that a tenancy term can end or be renewed. These prompts activate a call option Accept/decline button where the activation process can begin.
The preagreed value and date is known by both parties which removes any argument about price. This is noted on their repective Deed of Right or Guardian Right Call Option and riterated in the Terms Agreement.
Investment Portal
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.