The Guardian Right model solves problems that renting and traditional ownership can’t: predictable costs, shared risk, fixed future buy-back prices, and clear roles for owners, guardians, and lenders. Whether you’re seeking affordable housing, stable long-term returns, or a way to derisk development, the system offers a legally structured, transparent alternative built to protect all parties.

There are some basic differences between needs-based and debt-based housing models – and there are a few standouts to note.

The framework is the first. Property owners can choose the traditional stand over tactics of landlord renter relationship where renters feel dishonored, or they can choose a landholder guardian partnership – which evokes the pride of ownership.

Payments are the second difference where the renter pays rent and is evicted, but the guardian pays in depreciation and is bought out when he leaves.

Depreciation creates the third difference, a fixed market, and call options changes the length of occupancy – uniting longer terms and property responsibility with flexibility that allows a guardian to sell at any time.

                                                                   How Society Benefits

The Guardian Right is Australian Property Guardianship’s tradeable tool which is contracted to mean the ownership of the fixtures and occupancy of a property. This is at the center of the new property market and makes trading this depreciable asset possible, so we can ensure certainty and future affordability.

This slide mentions the guardian right terms agreement which tells you what legal structure is being used.  Trust law allows a beneficiary to benefit from a property without owning a share of the title, and Property law lets an owner create an equitable interest in his property.

Fixed depreciation terms telegraph future guardian right values, enabling each guardian right exchange to be cheaper every time it is sold, so it acts like a new car but with certainty.

The key to the guardian right market is the call options which are set by the landholder to a suitable timeframe, which then reset every 10 years after that to align with debt-based mortgage rules.

The call options tell us about the financials of the term we are buying into, so we all know exactly how much the term costs in comparison to market rent, offering landholders guardians and financiers a basic tool to limit risk.

                                                                      Market Benefits

Now we understand what a Guardian Right is, let’s have a look at the market framework which shows two markets that act independently of one another yet are joined through call options.

The House under Option uses the affordable fixed market which reduces. This market is for the user of the property, where the guardian owns the occupancy for a time, and is responsible for the maintenance and repairs and the water rates of the property.

The Guardian Right can be sold at any time without the consent of the landholder because the terms agreement is passed from one guardian to the next, and the call options attached to the guardian right cannot be changed without landholder consent.

This allows the House under option market, to operate independently from the land.

The landholder is in it for the capital gain. He is still responsible for the land rates and taxes and can buy and sell the landholding without the consent of the guardian, with the term’s agreement staying in force to protect the guardian and financier if any.

Land under right is part of the traditional debt-based market with the only limitation in that the fixtures must be purchased when the landholder wants to make the property whole again.

Under free market conditions, the landholding may be worth more when the call option is close, - and selling land under right is similar to selling a property with a lease in place.

Market duality in this case creates an affordable market which gets cheaper, and we have a capital gain market that is void of property responsibility.

                                                                Property Opportunities

Now we understand the guardian right market fundamentals, let’s see how affordable supply – builders’ margins – and developer profits – are mixed together into a single transaction.

With building company insolvencies skyrocketing over the last 5 years – going guardian for the purposes of affordability now allows builders to use cost-plus builder agreements instead of fixed price contracts. - this helps protect builder margins and ensures there are plenty of builders to go around.

This cost is absorbed by the guardian but does not affect affordability, pushing the price up marginally.

Developer costs will rise because of builder margins – that’s fair – and when the developer sells the guardian right to cover those costs - the developer still holds the titles – and this is where the true power of the guardian right comes into play.

Not only are the builders and developers happy, but the outcome is 100 guardian homes at building cost – say 350k for a house and 300k for a unit which are affordable.

This is great for those needing affordable houses, but a taxman’s nightmare, because the developer can wait out obligation - developer costs in, developer costs out, no need to sell titles, no need to pay tax, and the buyer doesn’t pay stamp duty.

The Guardian Right creates affordability by protecting Builder margins and developer profits – This is a systematic shift.