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@sarahrachel I’ll also add that if your partner is being gifted the land then you may be able to use its value as equity for an overall loan (land + building). Not 100% on that though.

@sarahrachel You need to work on your serviceability. Debt matters but not as much as I previously thought - it’s more about ensuring you have enough to pay the actually mortgage. You need to do a budget and figure out what money you currently have uncommitted every pay cycle first one for...