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And we have not yet factored in the private school fees for three kids yet. The GPS schools on the upper north shore are not cheap. Maybe thats why access to James Ruse is so important.

Servicing a loan of 3 mil at 5% p.a. is 150k per year after tax dollars. Assuming that you are living with a wife and three kids, i.e. family of five in a 3 mil home, you best hope that your 500k plus income per year is not interrupted.

I am always amazed at the number of people in their early 30s, with kids, who can easily afford a 3 mil PPOR. Is this old family money or are there many people who have made it by their early 30s? At this age group, it is too early to have made it from the professions so they must all be finance...