Hi Richard,

Thank you for your reply, much appreciated.  I have just started reading Steve McKnights latest book "0 to130 Properties…" where he says that the structure he uses is putting all the Lifestyle Assets (car, home loan etc) in his wife's name even though she does not work and he puts all Investments in Trusts – he then guarantees all loans so I thought this would still be applicable to us???  My partner has been offered to refinance with NAB  just by himself without me now as I have stopped working (we are currently with Bank of Qld) for a larger amount than we need or will take however they are offering a 2% higher rate for the first 3 years plus adding mortgage insurance which I would like to avoid. Do you recommend trying for a low doc loan with someone else (all debts have been cleared and ) last year.
Should I seek more personalised help from a Financial Advisor?

Kind regards