Have been doing a bit of brainstorming (also reading a few american BiggerPockets books) and wanted to put forward the following scenario in the Australian lending market: Scenario: - Person A has 20% deposit + closing costs for a $1mil property. - But Person A does not have the serviceability for another 800k of loans due to other outstanding investment debt. - Person A's parent has no debt and good serviceability. Q1: Are there lenders that would allow only person A on the title, but loan the 800k to: a) Person A's parent? b) Person A and Person A's parent? c) a company as trustee for a trust consisting of Person A and Person A's parent? Q2: If yes to Q1, if Person A increases income eventually to be able to service the loan independently, could a lender alter the loan to just Person A?