Thanks for the response…we also have another 150k cash we can access in a company account if we were to get into any trouble, he has a permanent govt job aswell and we have insurance if he was to be ill or lose job
 My question was that want to try and get reduce as much of the stamp duty and get the fhog therefore reducing added expenes of 40k down to 15k or so.
 I would think a loan of 300-350k would be quite normal nowadays otherwise how are first home buyers able to afford to buy, not many would be taking home 1200 a week?
 I admit i have no experience in property purchasing and havent tried to get finance, in fact dont even know where to start.
 This house is an 800k thou house but in one of the best suburbs in this city on smack bang on the beach….other houses along the 3k stretch of road range from 2 mill to 15 mill we plan on renovating it over the years..its a bit of a dump

 Thanks again for your response though