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Just go into it aware that they don't work for you and they will try to get max $$ out of you. Also be aware that their building and pest clauses are likely junk and you may want to get your own. As long as you have a clear idea about how much you want to spend, you shouldn't have too much...

Especially if you're using keystart, as they are not particularly generous with their servicing. And they've just dropped their maximum income cap too - if you earn combined over $95k you won't be eligible any more.

I'd prefer Hamilton Hill over Langford, however I might be biased away from Lynwood/Langford - I lived there when I was 19 and it was a hole. But things have changed since then to a degree, but not sure how much in reality - the houses might look prettier, but I imagine the people living in the...