Thanks for all of your help. I think it is a great idea for me to see a financial adviser, however, my cynical concern is that all they care about are making commissions. Do any of you guys have any recommendations about some good advisers in Melb?

I also am very interested in investing in rural properties. My question is, how liquid is the rental market in rural cities. I mean, if property only costs 75K, surely it makes sense for most people to be owner-occupiers?

Thanks Again!