Hello everyone I have been reading through the threads to help with my situation. At the moment, we just signed a 1 year rental lease in the western suburb for $730/week which is split between 4 people. My mother wants me and my brother to buy a property together as she does not want to pay someone else's mortgage down while we have nothing. I went to the bank yesterday and found out that my mother and brother can borrow $690,000 for PPOR ($520,000 for IP) and my partner and I can borrow $920,000 for PPOR ($1.2M for IP) - my partner already has a property which she purchased as a Home and Land Package (the land is paid for, only a mortgage of about $310,000 so there is equity. We are looking to rent this out by Feb 2020 once the landscape has been done. My partner and I want to move out by the end of next year and start our own family around mid 2021. I have offered to help with the deposit for my brother and mother's PPOR but at <$600k borrow (to take advantage of the First Home Owner) it works out to be $680-730 a week, which with their salary, its very difficult to do, so they need my help with mortgage repayment. At the same time, I can't afford to help with the repayments whilst making our own and having a family. I made a suggestion that they buy an IP and rent a nice unit for about $400-500 a week. My partner also wants a PPOR but again if she goes on Maternity leave, it's going to be difficult to make the repayments alone so I also suggested an IP and we rent a unit. My mother doesnt like the idea of paying rent while someone else pays our mortgage as she thinks it's a waste of money and also makes me feel like I'm betraying them by not helping buy a house with them and with my partner instead. What I thought of is that we both buy a property unit and rent it to each other. What are your thoughts on my current situation? Thank you for taking the time to read.