Hey guys thanks so much for your help. Its really appreciated and makes it a little bit easier all round.  And Emma i probably wont be moving into it cause it looks like ill be moving to sydney in the near future.  Thankyou heaps for the advice about the off-set .thanks again dennis

Okay thanks heaps, for thatdennis

Hey guys thanks heaps for your help. Would you suggest buying a place and paying it off until it becomes a positive gearing property before saving for the next property?thanks in advancedennis