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If I died it would go back to her, or if she wasn't alive to my cousins. I'm not married, and if I was I would organize all my assets so they couldn't be touched. There is not a chance I would go bankrupt, I wouldn't over commit or do something that would make that a possibility.

Hahaha! It seemed too easy, I figured I must have gone wrong somewhere ;)

"Option 4) I get a mortgage for 350K property and use $? any amount in an offset account and let mum live in the house for free. She puts the remaining $ in the high savings account for a few years and lives off her other income. I get to buy property with minimal to no interest."

Sorry, I don't think I made myself clear - I wouldn't be guarantor, I would own the property and just put $300k or however much in an offset account so I wouldn't be paying much interest. And she can live in the house, either for free or rented.

Even if she isn't able to get a loan I would be happy to apply and either have it in my name or have a joint loan and still have the money in an offset account. Like I said, I will be going to talk to the bank but before I did that I just thought I would see if there were any glaring issues or...

Thank you for the quick replies! Nope her pension won't be affected, but additional income would. And good advise re the will - she actually had that redone recently :)

Hello! I am new to this forum but I have heard it is a good source of info so hopefully I will be able to get some opinions :) Just a disclaimer, we will obviously get professional advice etc etc before actually doing anything with our investments, but I still would like to hear from people who...