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Seriously, walk away. If your balance is under $50k direct property isn't an asset class that you should consider. This is not financial, legal or professional advice - it is just plain common sense. My guess is that someone is trying to line their own pockets at your expense. You need...

There is plenty of advice on these forums that can help you. The general feeling you will get is OTP is a relatively higher risk than established, simply because you are; 1) buying a product that doesn't exist yet 2) for which the lending/borrowing environment is undergoing some change and...