Is this possible in this day & age, if so?

Hello everyone,

First home buyer here, currently looking at purchasing a unit or house around the 300k-350k mark here in Melbourne with my partner

My partner and i are not married, never lived together and have no kids.

We currently are very close to obtaining the 20% deposit for a 400k home, but do not wish to purchase for such a price as I’m sure we would be in  some discomfort of affording repayments.

Currently I am on a gross total remuneration of $ 64,605 (Full time)

Base Salary of $59,000

Super at $5,605

Fortnightly at $1797

My partner works casual and part time in Pathology & Retail and makes $2,100 per fortnight after tax

so roughly bringing in $7,700 per month

I have a 2k HECS debt & so does she, but we also have no other existing debt.

I recently got a credit report from equifax, and all my credit debts were always paid on time, never missed a payment and paid it all back

I am in the process of speaking to a broker(s) and my accountant & obtaining professional advice.

Im reading Steve’s book (From 0 to 130 properties in 3.5 years) and i’ve currently finished chapter 9 (The truth about structuring)

My question is, is it even possible to put our home under my partners name in this day and age, considering she is not full time if i do guarantee the loan?

Would myself making $64,605 be likely to get another loan ? (following the family trust structure) for our investment properties?

If it is possible, would the likelihood of repayments & interest rates be higher. As well as offering more collateral?

I am not scared to make repayments, as my position is very strong. Its my partner in the back of my mind being knocked back by every lender.

Thank you all,

Mehmet