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Yes, agree, while it would appear at the outset that everyone is helping everyone, this is probably one situation that you need an agreement, signed by both parties detailing what will happen if various situations occur (eg, you get married and want to branch out, one party is no longer able to...

Great advice about securing the money away while you work through the fundamentals Unless there's still money owing on the PPOR, where you would 'secure' it there until you worked through the fundamentals). I would also be interested in reading Rixter's goal post.