Guardian Right Contracts
Guardian Right™ contracts establish dual market conditions - one market specifically for capital gains - and the other for affordability which gets perpetually cheaper.
Key Benefits and Implications
For Guardians:
- A Guardian Right is subject to depreciation and call options. There are no rents or evictions.
For Titleholders:
- A new avenue to monetize the property without relinquishing the title, fostering both financial flexibility and broader societal benefits.
For Developers:
- Housing sold at build cost is in demand - there are a lot more buyers in this bracket - allowing development debt to be removed faster - protecting developer equity gains.
Affordability Pathway:
- Guardian repayments should be compared to market rents - and the Guardian Right value when exiting the property should be compared to eviction for clarity.
Capital Gain Pathway:
- Guardians can develop vacant land, fix derelict, or abandoned properties for their own gain - yet the titleholder gets the equity increase.
This contractual rethink unlocks substantial opportunities for property owners and the community, promoting affordability and innovation by aligning the needs of both affordable and profitable property markets.
learn moreThe Guardian Right Terms Agreement is passed from one landowner to the next and one guardian to the next, providing continuity through split markets. This opens the door to;
- New opportunities for first home buyers
- New strategies for property developers
- New opportunities for empty properties
- An opportunity to share property debt
- Mum and dad investment alternatives
Aligning Builder Margins, Developer Profits and Affordable Housing through Guardian Right Terms
GUARDIAN RIGHT REGISTRY
The registry functions as a central platform where properties are divided into Land under Right and House under Option using a Guardian Right. Guardians purchase the fixtures, the responsibility and the occupancy for a time (call option) while the landholder retains the property title.
The Guardian Right Terms Agreement govern the contractual agreements binding all successive owners. The registry holds an historical ledger, recording the division of property and the succession of ownership.
External solicitors handle all financial transactions. Additionally, the registry serves as the Guardian Right marketplace, with Guardian Right Registry subscribers continually endorsing the Guardian Right Terms through every new transaction. Supplementary services include a chatroom between buyers, sellers and financiers, call option reminders, and a development facility for share-equity projects that require amended deed dates and values upon project completion.
Explore moreHow The REGISTRY Works
01
Titleholders act as trustees for the Guardian/ beneficiary who holds an equitable interest in the property. Titleholders forego rent and responsibility in favour of a lump sum payment and Call Options. Tileholders can sell a Guardian Right or a Development Right over their property, and the Terms Agreement ensures that the Guardian Right diminishes in value by 10% p/a calculated monthly providing fixed future pricing. Titleholders set the initial Call Option date after which it renews every ten-years. This initial date provides flexibility for personal or commercial reasons.
02
Guardians are granted exclusive occupancy until the Guardian Right is sold by the Guardian or when a Call Option is exercised. If the Titleholder declines, the Guardian Right is extended for ten more years, and if not, the titleholder will pay the preagreed value of the Guardian Right on the peragreed date. This equity partner arrangement provides Guardians with a stable tenure and pride of ownership which comes with ownership privileges and responsibilities and the knowing that there is a Guardian Right value that will be paid at sale time.
03
Guardianship Investors are guided away from bricks and mortar investments to concentrate on the landholding with developer eyes. Existing investment property can now be monetized differently and new landholder - developer Build-to -Hold strategies can provide the quickest debt-free equity gains where time via call options does not prevent title sales if required. When added to traditional investment methods, the Guardian Right model with decreasing values, and fast debt relief provides a new risk assesment to see where and how going Guardian can work for you.
No Hidden Clauses
We Offer:
- Registry Terms and Conditions
- Automated forms
- Marketplace Access
- An Investor Portal
Legal Foundations
The APG framework is grounded in established Property Law, allowing owners to create equitable interests in their properties, with Trust Law, enabling beneficiaries to benefit from property without direct title. These mechanisms ensure that both owners and guardians have clearly defined rights and obligations within the guardianship structure.
The Guardian Right Concept
The Guardian Right—a trademarked term—refers to the ownership of fixtures and the right to occupy the property. This unique arrangement underpins a market designed to address two key needs: providing affordable housing and facilitating profitable property supply. The system is structured to equitably meet the needs of all participants.
.
View all servicesImportance of Call Options
Call Option Calculator: Use the calculator to estimate your Guardian Right’s future value over 5, 10, or 20 years before committing. Owners set the Guardian Right’s value as noted on the rates notice as the Captal Improved Value, distinct from land value, and may adjust it via a registered split valuation if required. After property setup, the option date and value are locked-in (fixed).
Development: If a development right is exercised, the locked-in option date and value can be revised by mutual agreement, supported by builder contracts and timelines. This process allows developers time to build, compensates guardians for improvements, and ensures landholders gain build equity while guardians secure long-term occupancy and a saleable interest.
A Guardian’s Need: Guardians seek long-term security with the flexibility to relocate, the ability to renovate for changing needs. The Guardian Right can be sold at any time without the landholder consent for the depreciate value which provides the next guardian with reduced living costs while building equity through a future sale.
Mindset Challenge: Guardians are owners, not renters. There is no lease involved. The landholder must relinquish the mindset of control Renovation and repairs which are now the responsibility of, and at the discretion of, the Guardian.
Learn MoreSelling a property share.
Once a property is Set-up at the registry and you have recieved the confirmation Deed of Right and Call Option Agreement, you can list the Land or the Equitable Interest on Marketplace. Client listings include a chat line for buyers and sellers to converse and there is a place for borrowers and lenders to do the same.
Your solicitor will handle the monetary exchange and prepare the required registry forms.
Exiting the system
To remove the property from the registry, the two shares of the one property must be owned in the same entity 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,. The property can be resubmitted if the owner chooses, starting the process over again from scratch.
Automated help
The Registry prompts owners when a Call Option comes due as a reminder that a tenancy term may be coming to an end or will 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 dates and prices. 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.