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  1. #11
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    my husbands old bosses wife was about to pop when they signed their paperwork. The loan officer looked at them when the question was asked and the response was not today. Which she replied, well that's technically true. Look at the lady who just gave birth and didn't even know she was pregnant

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    Explora  (11-01-2015)

  3. #12
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    Quote Originally Posted by Explora View Post
    We have separate addresses on the electoral role. Technically we go between both houses but don't live together in the same one.
    Come on. You're having a kid you live together. Don't do a dodge. Full disclosure and see what you get.

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  5. #13
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    I would definitely be more worried about getting caught out on the FHOG than the pregnancy.

    I don't think the bank can actually force you to disclose a pregnancy. Parental leave is all part of your leave entitlements - for all they know you might go back full time after a month. Once the loan is done and signed you don't need to disclose any change of circumstance, the bank only cares if you start missing payments.

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  7. #14
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    Quote Originally Posted by VicPark View Post
    Come on. You're having a kid you live together. Don't do a dodge. Full disclosure and see what you get.
    Our situation is not typical, and we will actually have 2 separate homes. DP is FIFO, so I will have an option to live near my support network while he's away. It will be my home. Nothing dodgy about it.

  8. #15
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    Quote Originally Posted by Explora View Post
    Our situation is not typical, and we will actually have 2 separate homes. DP is FIFO, so I will have an option to live near my support network while he's away. It will be my home. Nothing dodgy about it.
    All that is irrelevant. Are you a couple or not.

    It is that simple.

    If you are than can't claim FHOG. It would be fraud.

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  10. #16
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    Something to look into further it seems...

  11. #17
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    Hi @Explora thought maybe I could shed a little light for you. Firstly there's nothing wrong with assuming you could get FHOG if you don't live together and one of you hasn't owned before, a lot of couples make this assumption however unfortunately regardless of whether you have lived together or not if your spouse has ever owned you won't be eligible for it. Sucks I know! But to answer your original question about pregnancy, you don't have to disclose that as such however when doing the application banks will ask you 'are there any foreseeable changes that may have a financial impact' such as pregnancy, job change, planning to quit and study etc. But answering yes to this and outlining how you plan to continue to afford the loan, if it is viable then your application will continue as it was. I hope this helps and good luck, exciting times ahead for you!!!

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    Explora  (11-01-2015)

  13. #18
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    Quote Originally Posted by MrsH88 View Post
    Hi @Explora thought maybe I could shed a little light for you. Firstly there's nothing wrong with assuming you could get FHOG if you don't live together and one of you hasn't owned before, a lot of couples make this assumption however unfortunately regardless of whether you have lived together or not if your spouse has ever owned you won't be eligible for it. Sucks I know! But to answer your original question about pregnancy, you don't have to disclose that as such however when doing the application banks will ask you 'are there any foreseeable changes that may have a financial impact' such as pregnancy, job change, planning to quit and study etc. But answering yes to this and outlining how you plan to continue to afford the loan, if it is viable then your application will continue as it was. I hope this helps and good luck, exciting times ahead for you!!!
    I agree with mrsh. They will ask if there are any foreseeable changes that may have a financial impact. Honestly if the loan was in both names, then its second income and would be less of a concern. As it is just in your name its dependent on your income... And business owners, things are more strict.

    I would be disclosing, and agree about the comments about fhogs. You really don't want to get in trouble for fraud

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    Explora  (11-01-2015)

  15. #19
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    Nicely put @MrsH88
    This is turning out to be more disappointing than I anticipated but I'm glad I know because I would never want to get done for fraud.

    It's extra crap that I have finally gotten finance approval due to being self-employed, and because I got a new partner within this waiting period, I can now no longer claim FHOG. Poo!

    Oh well...it is what it is and there never used to be a FHOG so I'll survive.
    Here in Vic it would only be a stamp duty reduction for the type of home I'm looking to buy anyway.

    Thanks for your input everyone
    Last edited by Explora; 11-01-2015 at 08:14.

  16. #20
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    Quote Originally Posted by Explora View Post
    Nicely put @MrsH88
    This is turning out to be more disappointing than I anticipated but I'm glad I know because I would never want to get done for fraud.

    It's extra crap that I have finally gotten finance approval due to being self-employed, and because I got a new partner within this waiting period, I can now no longer claim FHOG. Poo!

    Oh well...it is what it is and there never used to be a FHOG so I'll survive.
    Here in Vic it would only be a stamp duty reduction for the type of home I'm looking to buy anyway.

    Thanks for your input everyone
    If you're only "casual" just because he fathered your child if you don't indent to live together ( at time of purchase) then you won't be committing fraud.
    You don't live together and if you don't have any other connections ie bank accounts, foxtel etc then who are they to judge over your relationship

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