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Hey Mike C, That was the problem, i have been earning about 20k a year in this casual job which they included, but all my other bits and pieces couldn't be accepted, thats why mum had to be involved for this to happen! I am living at home but they still had this formula to calculate living...

Since the business began in Sept 2007

Thanks for all the replies guys, your advice has all been amazing. (I didn't think id get any replies) I have learnt a lot very quickly, and that is there is so much more for me to learn. Nothing is really wrong with my employment but im only casual as i am still studying. The few banks we spoke...

What do you mean rolf? The 20% would be on mums name, i have the 80%. Property is 500k This is what i was hoping to do, but the bank (westpac) would not give me the borrowing power using mums income unless she had min 20% on loan. I think the difference here is i do not have full time...

Hi Kristine, Thanks for the reply :) I thought the benefits of getting in 3 or so years earlier then i otherwise would be, would out weigh the CGT and SD. Do you disagree? It won't inconvienece her for long as within a few years with my full time income i should be able to release her from...

Hi Investors, I have been reading all your advice on here the last couple of years, big fan of The Y Man! And last Monday i made the leap and bought my first property :) Heres my situation... I am 22yo and had saved up a large deposit, although because i am still studying and not...