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Browse the forums, get an insight from the wealth of knowledge here and do some of your own research. Spend the weekends exploring the suburbs, talking to people at work, uni etc who might live in these areas. Or else you will find yourself making the wrong decisions. You could always use...

Sounds like you've made the right choice. Getting $24k is a good thing for a new home, but not if you cant really afford it. The $24k will mean jack all when you have to sell it quickly so the bank doesnt repo it. For the early $300k mark, there are other areas which you can look at...