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JV (Joint Venture) does mean that someone gets into the project with you. There's pros and cons. Quite a few lenders do accept Centrelink and Casual employment. It comes down to what can be demonstrated as ongoing income. This probably means looking at your current Centrelink entitlements...

It is a very tricky situation. I can see where you're coming from and I know plenty of people who can afford a loan but it are outside traditional income parameters. Unfortunately there is a legal requirement that lenders need to verify your income and affordability. They can't take into...