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Krusty said..
I agreed to taking my share of contributions with an additional small sum to compensate for my loss of the first home buyers grant, so if everything goes to plan I should get out of this relatively ok.
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My only current concern is that I've been waiting for a month now to have all the documents prepared and ready to sign, so I'm wondering if she's been able to get the place refinanced?
Yeah, maybe that will be the next interesting bit. Wanting to have complete ownership is one thing but having to pay the other person out is a different matter. If you are getting all your contributions back, she is effectively trying to get the bank to agree that the value of the place has gone up by the equivalent amount, and she wants that equity back as cash.
That's probably a hard ask as most of your repayments are interest, and having the property go up by the same amount might be possible, but paying out that equity so early might be a bit unpalatable for the bank if it leaves the LVR on the wrong side.
Of course, what she really wanted was you to just give her everything and sign it all over for free...