Congrats

Getting a loan at 90% should not be a problem . Maybank has always been a bit rigid so check with CIMB and PBB, as I chat with them recently and they say they got no issues with changing employments.

I strongly recommend that you dont take loans that is longer than 30 years as the interest oayout would be substancial and I guarantee u'll regret this 2-3 yeasr down the road. Try performing an analysis of a 30 & 35 year loan respectively and u'll see what I meant.

Put your GF as the main borrower, and you as the secondary borrower/guarantor. That should solve it.

GO for first year 0% loans, and think UOB and stanchart has that package.

Btw, as a reminder, try to purchase the property alone since you could afford it. She's not your wife yet, so things can be very complicated if it didnt work out between the 2 of you. I've seen many cases b4, so Im telling u this as a pre-caution.

Unless you plan to get 50 years financing, your monthly repayment will not be anything less than 1.3k p/m. Its a not woth going for more than 30 years financing.

your combined income is more than 8k, but not comfortable to take up a 1.5k commitment. Can tell us why coz it seems quite odd.

an easier solution is to get a cheaper house, say a condo or apartment. Makes a lot of sense considering u r a young couple, does not require that much space, and ultimately u can rent it out for monthly cashflow if u decided to upgrade.