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"Do you need to start educating yourself with some more skills so you can increase you pay. eg bookeeping may be an option since you are in admin." Did you say you work part time? Moving to f/t work could mean a significant increase in income allowing you to borrow that bit more to move...

When we bought our first home to live (first was an IP while we rented) it wasn't near a cafe strip, a beach or in a ritzy area. The house wasn't particularly attractive either but we changed that over time and turned it into a beautifully renovated home. All that didn't worry us though...