We got some sort of guarantor home loan you can get through your patents.
Hubby being an only child his father was happy to put his house up as equity for our loan so we took $50,000 equity off him up against our 100% loan .
Not sure how it works when we sell but it hasn't affected DH father at all , I think it's based on weather we default .
Our first home buyers went straight onto our loan which back then was $26k so FIL got $26k equity back.
We have had this variable loan for 4 years