yes, that’s my concern as well. The house is owned outright by mum without any mortgage, by the way. I’m trying to improve our cash flow first, then, sell house to repay my loan in full and purchase two properties, one for us to live in and one for investment property, so, FHOG is also very important to me.

Initially, I tried to get loan under my name only and mum being a guarantor of the loan, using her house. But, my mortgage broker told me that we should apply for the loan under both of us. Is it really correct? I don’t really want to lose the eligibility for FHOG…

Thanks, guys