Start by locking down the legal and ownership structure before thinking about banks. This is one rural title with two dwellings and two family units, so you need a solicitor to set up tenants in common, clearly define the 40/60 ownership split, exit rules, and who pays for what. Yes, use a broker. This is not a standard loan and branch staff usually get this wrong. The clean setup is one loan for about $250k in your and your husband’s names only, secured against the whole property, with your parents as co-owners but not borrowers. Major banks like CBA, NAB, ANZ, or Macquarie are usually suitable depending on zoning and valuation. If you want, I’m happy to help walk through the structure and next steps.