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I'm obviously not Terry, I hope he won't mind me answering you - it means that you would have to purchase the property yourself, or jointly with your parents. You can't get a loan without being on the title of the property. This also has implications for your own future borrowing capacity, as...

This is a really good question to ask the broker you're meeting tomorrow. Get some answers here, then see if there's any glaring differences. Is your friend that recommended the broker someone who is currently successful with property, or a FHB like yourself? If they are a FHB, there's a risk...