Hey all, I am in the process of mortgage approval with my broker. The dilemma I face is that the property I am purchasing isn't due for completion until August 2010 which means I may have to re-apply for finance as settlement is outside the 6 month period that an approved mortgage lasts. No biggie, except that I'm worried that when I re-apply not only will I have to pay loan application fees again (not a huge issue) but more importantly, how will this affect my FHOG? Is the FHOG valid from the date I signed the contract of sale or from the date of finance approval? Also, does anyone know of an Insurance company that offers extended terms on a Deposit Bond? 12 months? Thanks in advance.