Split loan for new home

Assistance please, apologies for any ignorence, Newbie here.

Situation:
- My two brothers and I inherited our parents home with nil owing.
- Two of us bought out one by borrowing against the house. (Value $600k current loan $240k).
- Leaving two of us on the title and PI loan with Advantage.
- We have rental income for positive gearing. (Repayments $1150 rental income $2000)
- Brother not working, I am working FT.
- At time of initial loan, same situation in regards to work, My income needed to show I could afford to repay loan as well as support my brother and I.

Goal:
- Along with my partner FT work (approx $95k income) myself (approx $70k base income) we would like to purchase our first home together by accessing a portion of the equity (up to $120k) in a seperate loan to use for deposit on my own home loan.

Options:
Open to refinance the entire loan structure
Is there anyway to reborrow against the property without FT work for all parties?
Can my brother and I gaurantor with the equity for my own home loan?
What lending options do we have considering my brothers work status?

 

Yes you can still borrow but your non-working sibling will need to be on the loan and this will hurt serviceability.