yep - local government love to have a hand in your wallet the minute you open your mouth.
you should see some of the cheques i'm writing on behalf of my clients - $5350, $9870, $6635.....
i think that's bad advice.
my advice to a FHB woudl be to buy when IRs are high.
that way, as the IR's stay stagnant or move in smaller increments, affordability is maintained.
affordability increases as wages grow or IRs drop.