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you don't have to use your FHOG now, youcan save it for your PPOR when suitable, even if it's not your first purchase. Although many people tend to be of the belief that it won't be around forever so using it while you can may be a better option? Some people believe the FHOG will go up! who knows.

You've outdone yourself! Way beyond the call of duty ! :cool:

Sorry i wasn't too clear. I meant help from mortgage brokers & accountants for technical information, and my parents for drilling into me from a young age the importance of saving and investing, which resulted in me buying my first IP when i was 18! I have used a buyers agent to buy one of...

Awesome quote, I tell people the same things really after being warned about my defacto situation. But to me my relationship gives me another whole dimension to my life, and I suggest i'm not the same person without my girl, so really if **** hit the fan then it's my responsibilty to clean it...

that's more like it, nothing is ever too hard, nothing is impossible just make it your job to find a way to get it done. besides if you ever feel like giving up just post on here at least you can count on us to give you a kick up the butt and get you back on track :D

i do all my investing on a 50k salary, no help from anyone apart from advisors giving just great advice! so i feel if you want to you can achieve alot, if you put your emotions in the right place and have a great mindset. By the sounds of it you have the discipline and your heart is in the right...

I can shuv it? Hey mate it's not up to me who decides what the property market does, it's public sentiment that causes prices to go up. That's right, there is not a property God out there that says ok let's make houses "unaffordable" for mr index fund, the reason they are what they are is...

Doh, you beat me to it!

I've never understood this attitude. Sounds like you have been reading the papers too much. The problem isn't housing prices, the problem is that no one is willing to a) Save b) Budget and c) Find something affordable. Especially considering most of us own more then one "australian home" i...