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Happy to be corrected, but I believe ANZ are the only one that allow it. Must be quite the friend to be willing to do it though! :) Cheers, Redom

Covering three aspects of lending: Borrowing power = A strength on your income. Deposit = Will need more or alternative solutions (gifts, a security guarantor, etc). Double the 12k and use the FHOG and then your getting closer to where you need to be. 'Character' (credit file) = As others...