Further info if this helps:
We are trying to go through a particular lender who is the lender of parents as we are trying to avoid mortgage insurance via a family pledge. My partner has only been working at his current employer for 2 months and although they have an extreme amount of work to do they will not create a permanent position in this economic climate. Prior to that he was studying. We have only $25K saved which on a $600K property, with the FHOG, we will cover stamp duty and costs (Victoria). His net fortnightly income is $2000, mine is $2800. I have been offered a n interest rate of 5.2% with no mortgage insurance due to family pledge. Would there be a way of including him in this equation with these benefits?