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any recommendations from the link in my previous post FG?

Heaps of loans around for >80% lvr If you have the serviceability, then I don't see a problem with your 20k.

Never bought in NSW, but had a read of the NSW OSR website and looked at a few duty calculators, and apparently you don't pay mortgage or stamp/transfer duty up to 500k. http://au.pfinance.yahoo.com/calculators/stamp-duty.html So I reckon OneDay is only up for - Duties $0 - Solicitor...