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Just looked at the Melbourne map. Why do you NEED! this house, and so close to the city. It seems you really need a hard look and determine what your priorities are. Living the high life (and keeping up with the Jones) now and being poor later, or making some sacrifices now, and being...

Mid 30's without any savings. Before you start worrying about property, it sounds like you need to learn to manage your money. $100K is quite a lot of money. What day care fees? Isn't your wife at home. So there is some cost you can already cut. Like all the comments have said, people...