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Have a chat with a broker who can run the hard numbers on your scenario. They will need to take into account any potential current debts/credit cards/HECs etc. They can also advise you on the options available, whether you can potentially retain a portion of the funds available, avoid...

If your parent's are willing and able to provide an equity guarantee, you can avoid 5% gen savings rules completely (as well as paying any LMI). Once you've purchased the property, you can then renovate and reval, removing the parental guarantee should there be sufficient equity. This is...