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Thanks Bayview very informative reply! Considering that St Andrews is probably to risky for us as we're after reliable short to mid term growth. We've now upped our borrowing amount and we're looking closer into the city. I'll admit St Andrews still really interests me, the median was near 900k...

Thought I'd share a potential goldmine as I'm new to this, I would appreciate any feedback as I'm always looking to improve my research. Long term growth statistics point to an enormous recovery: http://www.smartpropertyinvestment.com.au/data/vic/3941/st-andrews-beach Valuer general reports...