Thank you

Oh sorryCity is Melbourne and the suburb is Northcote

We are a couple, no kids.Income of around 130K combinedNo other debtsAm looking to purchase a property of between 500-560 with a deposit of 70K max. This isnt for an investment property, we are planning to live in the house for nowAny advice would be appreciated.

Thanks all for the commentsA bit to think about Richard who would you recommend as a lender if not ANZ or onedirect?

Hithanks for the replies…We are looking at a loan of around 480,000. Around 10,000 will sit in the offset account monthly.Would it be better to go for One direct with no offset at around 6.15%or ANZ with an offset for 6.95%Thanks for any help, I am useless with the maths. Thanks!!