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Glad it was a learning experience. There's a lot of hidden costs sitting there that you completely missed. Sometimes a bit of a reality check is all that's needed for you to come up with a better solution. Hopefully it will all pan out for you.

Hehe, this is the second one that has come here with a 'proposal' for us 'sharks' to pick over.

Only borderline? Why not wait the two years. Problem solved.

Let's just take a look at this. $13,500 Initial Deposit $1,835 LMI (Loan Mortgage Insurance) $3,535 Stamp Duty $2,000 Legals (Approx) $2,000 Additional Legals for specialised Legal work for the Lease Option $22,870 is the initial investment add to that the land tax for holding for two...

I understand that, but the OP said it was for a PPOR,. They are newly self employed and her location is Byron Bay. Unless the Business is an online one, or something else that can be done from a remote location, then my assumption is that they would be looking to purchase near to where they...

This is another of those Shark Tank type posts. OK, I'll bite. Your location says that you are in Byron Bay. What on earth can you buy in Byron Bay for $135k, and what makes you think this would be a good investment for someone?