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$145k plus $10k seems pretty low. Who is that with?

Most builder will offer a service for those who don't want to undertake the nitty gritty of choosing tiles etc and will either choose for you or show you a few colour sets ( carpet, tiles, benches) which are already coordinated and you can choose easily from that. I like choosing colours etc...

If you decide to go down this route then make sure that the units are big enough to qualify for standard finance. Units under 50sqm usually require lower LVR some as low as 60%.

The positive of a building is that you only pay stamp duty on the land, so around $150k worth of stamp duty instead of $350k stamp duty if you bought already built. That savings you can use for greater deposit making it closer to neutral/positive.