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Hey Matty, Well done...Especially on 16k per year...Some negative and naive comments on here. Good for you for putting it out there! Who says you can't but can do. Ps.You gotta start somewhere and getting a foot in the lower end is a step up...You will do well.

So with that example and he bought it for 80k...He'd have to come up with a 40k deposit + costs and max he could borrow would be 40K?

Maybe the OP,could give him more hours? Anyhow,just an example for the brokers,why couldn't he be able to buy this? http://www.realestate.com.au/property-apartment-vic-noble+park-117657175