Thanks for the reply Richard!

Nah, my LvR would only be 5-10%, It would be good if they took it into consideration, but i guess i can see why it would be risky to loan based on that..

Ok, here's another tricky one for ya's… If my sister an I buy a house an both our names go on the contract as PPoR, what happens regarding CGT if later down the track one of us buys another PPoR an moves into it? Does it then count as being an IP? Even tho, say, I still live there, But my sister doesn't…?

Thanks everyone!