Hey guys. Have any changes been made to the family pledge option? Also, will borrowing 105% right now affect an OTP purchase in 6 months if I have a deposit for that and don't plan to live in either? e.g. looking at family pledging a unit at 280k and then using my 10% deposit for my H&L that registers in June 2016 (land registers and then I build). Work in Allied health so should be able to get 90% loan no LMI. 70k a year. Should be up to around 85k by June next year. Or should I sit tight and save as much money in case something happens and I can no longer get servicing for my H&L?