My bank is pretty good (well the bank managers are) and they do try and assist you (and they have...errr.. fudged figures for us in the past so we could get a car loan when their computer told us not to give it to us!!! I think they forgot to put a child in the system - wooooopseeee!! LOL)
LOL the mortgage broker suggested something along those lines but then said... oh... FTB... Parenting Payment... bit obvious you have a child. He did suggest other things, but when he left we agreed he was quite the fruit loop!
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