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Not just last night. He has been answering everyone's questions for last year or two. He has an answer to everything. Personally I haven't found anything worth buying under NRAS Iim still not convinced :) But he has contributed to this forum a lot in this area.

I would say.. he deserves it given the amount of info he provided on this forum!

That means you need 30% deposit to get 80% LVR. Add another 5% costs. You need 35%!! Some people argue that 'paper costs' + margins by marketing are taken off the price to come up with the valuation. I gave it a real hard look.. but nothing ever clicked. Make sure to get the opinion of those...