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Also consider the cost of waiting vs the cost of asking a friend to do this. Is it really that high, that you can't wait 6-12mths to get your own deposit and have your VEDA score improve so that you can do it yourself? Maybe you could have your wife go fulltime work for awhile to speed things...

I almost can't believe you wrote that. Looks like the OP will have a much better deposit in August which really isn't that far away - a mere 6mths. Involving others (be it family or friends) increases stress, risks and issues. I'm not a broker but risking other people's equity when it's...