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Other issues include banks not agreeing with the amount you have paid for it come settlement time. You nee to make sure you have decent capital (or access to it) aside in case your loan application falls short (i.e. you may apply for a 90% loan, but in effect only get 70%) Cheers, The Y-man

What's your budget, and how much do you need to borrow? Consider a 1BR in North Melbourne and Prahran Cheers, The Y-man