Hi all, We went unconditional on a house, bank has given final approval for mortgage and I just learnt that I will have to pay foreign acquirer duty on top of stamp duty - this gives us a shortfall of around $25,000 which we need to pay on settlement day. We are now 25k short on the funds to settle.... (the bank don't know this). My previous legal advice said I would not have to pay this as I am buying with an Australian citizen, it turns out that I will have to pay 7% on my share of the property and the previous advice was wrong. It is not possible to put the property only in her name, two solicitors have said it must be 50/50 (house only in her name would have avoided the foreign tax). Our income is around $350,000 per year before tax. We borrowed around 700k for the house. I believe this means we have borrowed significantly below what our maximum could have been. My plan is to take a personal loan to cover the extra we need for stamp duty. This is generally not a good idea for most people but our income is high enough (I think) for the $25k personal loan to not impact the serviceability of our mortgage enough for the bank to cancel on us. My main concerns are around getting approved by a lender (not the bank we are taking the mortgage from) and hoping the bank don't do another credit check before settlement day and see that we have new lending. I would just back out of the contract but being unconditional means we will lose everything we have already put in (5%) deposit plus this is a move from VIC to QLD and we've got no other housing options lined up (moving in 3 weeks). We won't have any problems repaying the 20 - 30k in a few months should we get approved. Are the bank likely to find out about our extra lending before settlement? (The settlement period was long, it was 5 months and we're a few weeks away from settlement day now). Would a lender approve 20 - 30k in lending to someone who is a few weeks away from settlement day? Yes, I'm stupid - any words of advice?