30 isnt old generally, and is about average for first home buyers
land will not appreciate much in 6 months. the land asking prices might, from the developer, but the block you might buy wont be revalued in 6 months time more than the purchase
the deposit required for land is about the same for house and land for first home buyers, its easier from a lending perspective, and presents less risk to a lender. do both together, (not necesarily from the same vendor, just at the same time) dont buy land seperately.
this new 'contract role' might be the reason your credit was denied, and it might be an issue for a home loan, especially at 95%, especially for a lender who credit scores. Is the contract role a full time position for 12 months? Or a contract to provide services and be paid by way of invoice? makes a bit of a diference.....
land will not appreciate much in 6 months. the land asking prices might, from the developer, but the block you might buy wont be revalued in 6 months time more than the purchase
the deposit required for land is about the same for house and land for first home buyers, its easier from a lending perspective, and presents less risk to a lender. do both together, (not necesarily from the same vendor, just at the same time) dont buy land seperately.
this new 'contract role' might be the reason your credit was denied, and it might be an issue for a home loan, especially at 95%, especially for a lender who credit scores. Is the contract role a full time position for 12 months? Or a contract to provide services and be paid by way of invoice? makes a bit of a diference.....