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Thank you Simon. One point taken which I've just passed on is paying off the smallest debt first, instead of the highest interest loan. That will DEFINITELY give them a bit of satisfaction & be able to pat themseles on the back. They're the sort of people who need that. It's going to take a...

:) Thanks very much everyone. They're no longer entitled to the FHOG. He's owned a house previously before they married. "Padre's loan" is $4000. I've suggested they take advantage of that when the time comes if they're still short on deposit & costs. Piston Broke - I've already told...

As a 'civillian', I'm asking if there are any members who are Dept. Defence (specifically R.A.N. if poss - maybe you'll be able to help more). I'm learning over the last few days RAN is very different from the civvy world. I'm assisting my cousins with their finances & they're desperate to buy a...