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You may not want too, but you can't possibly hold everything through them with no fees.

It sucks, but one day you will..Banks will always find a way to get some kind of money out of you!

I agree, that could well answer a few things for some of us too.

Are you planning on buying your parents house? What's going on here, i don't quite get it! In a few months i'll be buying my first dingy house, i have a nice deposit saved and with FHOG it's easy. Perhaps you're not saving enough? Or you're aiming too high. First house, like cars don't need...