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Yeah, I too am not sure if she would be better to use her incentive to get a 2 bedroom unit or something. Or even forgo it all together and try to negotiate a much better price on something older. After thinking about it and hearing some of your guys thoughts I think that its probably a good...

Hmm, I can see what you are saying that the incentives shouldn't be the deciding factor. I thought the basic point of creating equity was creating a product that is worth more than what you payed for. So I thought maybe I was doing this but I can see what you are saying and maybe im wrong. I...

Yeah I actually did have a read of that. Alright well thanks guys, I appreciate all the comments and I can tell some people are going to try blast me for this but I don't really need anymore on the de facto issue please.

Cheers for the comments westy. Yeah I think I want to get a really solid quote from the builder, he invited me to come see him and work out how cheap we can go. From there I guess a broker is the next step.

Hi Aaron, Would it be possible with just 1 year? Do you think it would be better to put down a 35k deposit and keep the other 35k in an offset account rather than putting the 70k down at start?

It's no where near two years, and its only been a couple of months. How the hell would anyone be able to say/prove that we were in de facto? When nothing gets mailed here. I pay all bills and she doesn't pay rent or anything? To me it just looks like she comes a few times a week. Everything says...

Hey Jrc, We have only been in the new house for a number of months. And before that we have rented in brisbane with other people for a couple of years as "friends". I say not de facto because technically she is still living at her parents place who also live close by and mail and stuff...

Also can anyone clarify, does a person need to be employed for at least 2 years to satisfy the banks to give them a loan (without a guarantor)?

Hi rolf, How much harder do you think a 90% lend would be? I suspect that her parents may have to go guarantor for her. They did for her brother. And mine did for me too. We are very lucky that we have awesome parents who have really given us a 10 year head start in our financial lives which...

Girlfriend buying house scenario – Advice wanted Hi guys, this is a really long post but it has actually helped writing it all down to get my head around it. If you can manage to make it to the end I would really appreciate any opinions with those with greater understanding and experience. I...