Asking for a friend in NSW. Don't know much about the rules over there. His girlfriend already used her FHOG, lived there and rented her place out. She is currently renting close to the city. They've been seeing each other for a year now but haven't started living together. He just pulled the trigger and bought an OTP in Sydney as a first home. The tentative completion date is late next year. I raised a question as to what happens if they become defacto or even get hitched for that matter before the OTP handover date. Will he still be eligible for FHOG based on contract date? If they get hitched, will his girlfriend/wife finances become a factor in servicing calculations for his loan?