Hahaha ok mate, you need a muzzle. Later!
P.S relax you’ll end up with carpal tunnel and by the way soMersoft is spelt with one M.

Thanks Andrew, its good to here from someone positive thats in the know about these things. I’ve actually found someone willing yesterday. They will lend the money in a separate vendor agreement where I pay interest to them etc. I get the money I have a PRE- approval from the bank, as, if you have 20% they don’t really care too much about making sure its there on a pre approval especially since lo docs and non conforming loans can be done this way also. The bank doesn’t know about the vendor finance only the solicitors which deal with it at settlement. I learnt this from someone who bought a first home like this and know has heaps of investment properties and is doing well.
So QLD007 if you want to rain on someones parade perhaps don’t post in a HELP forum. I know how it all works, my question was for someone willing to do it. And as for banks they are crooks so as long as everyone gets paid and gets their needs met WHO CARES! You need to think outside the box to become successful, which is what I’m trying to do. If it was a year or 2 a go I would of read your posts got negative and given up! It seems the only reason your on here is to bignote yourself in what you know!
The thing about this also Andrew is that I only approach people who have had their house on the market way way too long so its in their best interest to get rid of, I make the offer of my needs and how it would work and they either take it or leave it, I’m not attached to the outcome. As long as everyone has benefits.
So thanks Andrew definately post how it all goes.

Lack of savings basically, have good jobs earn good money. My partner has a dodgy boss which made it hard at first with pay slips etc. But we have since fixed all that. But have been told that unless we have genuwin savings of at least 3percent and 5% deposit. Also my partner had a PAID default with was $30 over the $500 limit, and the mortgage insurer said no.Other than that there should be no reason a bank wont lend to us. I’m familiar with loans etc as I’ve been a mortgage manager myself.