Hi my partner (plus her mum, government job $62,000, her house valued at $500,000 and has $35,000 to pay plus $100,000 inheritance coming) and myself need to buy out her ex husbands share of the existing loan. The house was valued at $850,000 and we need to get approval for $500,000. We already had gotten a pre-approval from RAMS but that was based on the fact I was on Newstart allowance and has now run out. Myself and my partner are now both on Carers payment and allowance and I know RAMS didn't recognise this as income. Who does recognise carers payments? and would approve this.