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Thanks for the advice. Is there any benefit structuring it as an IP instead of PPOR to get over the line with a lender, or is it not going to make any difference and what I am lacking ATM is just deposit/purchase cost funding? I dont have any a/c's with STG or CBA. Thanks for the heads up on...

Yep, definitely not eligible..wish we were though. we bought in 07 and did receive the 7k fhog. property was in both mine and wife's name. was in nsw so also paid no stamp duty. we actually only lived there for 7 months so i did consider paying the 7k back saying we didnt meet the 6mths...

Hi Jason Unfortunately not, we did previously own a property a few years ago which we sold as we relocated from down south to move to QLD. Unfortunately the profits from that property (~20k) were eaten up by various fees/relocation costs... & now we aren't eligible for any of this boosted FHOG...

Is there any difference, making it easier to get finance for a property purchase with whether your going to use the house as an investment property or owner occupier? My wife and I both earn relatively good money (combined 95k per annum gross). We are looking to buy a property which has a...