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Hi Marty, That's a good point - though just thinking this through, if he is a joint applicant on the loan, it probably doesn't make any difference (and may just become more complicated as we want an offset account so would prefer his pay to go directly into that account, rather than via me -...

I'd be keen too - never played though either and can't make tonight, though let me know for future games :) Anna

Thanks all, I've just met with a broker & laid it all out and he seemed quite positive that we will find a loan (though like PT Bear said a few lenders won't consider us as an option)... but all good so far. At this stage, we are going to go down the route of the property in my name only...

This is a slightly disturbing article: http://www.laclawyers.com.au/document/Insolvency-[and]-Bankruptcy-Law-__-Asset-Protection-__-Can-a-house-be-seized-from-a-spouse-in-bankruptcy-proceedings.aspx Basically saying that putting the house in one spouse's name may not actually help... though in...

Slightly confusing in that he is a casual with his employer (so you're right doesn't need PI insurance there), BUT he is also running his own contracting business on the side - its small at this stage, but he is intending to grow this & eventually move more into his own business, hence the need...

Hi Terry - no we do qualify in our own name, the trust was just for asset protection for my husband...

I have been with the same employer since Nov 2010 BUT only casual with that employer since Feb 2012 (so don't know if that makes any difference). My husband is also with a new employer (since about April/May this year), BUT we are both professionals and both have good income / savings history...

I personally think they could look at the people behind the trust / company to see if they qualify for FHO status / main residence exemption etc - as its not really fair that to access these benefits we lose out on the asset protection side. So we may have to look at option 3 (if putting in my...

Thanks everyone for all the responses, it's much appreciated :) (I was waiting for an email telling me someone had responded otherwise would have done so sooner). Terry / Alexlee I think the next step is to look at buying in my name only - however, I suspect we will run into issues, as both...

Hi all, My husband & I have just put in an offer on our first home, so all very exiting, though we are running into some legal issues. Husband is an contracting engineer and runs the risk of being sued personally for his work (& while he does have professional indemnity insurance the limit...