I got 3400, score is purely based on annual earnings. I got this score after I replaced my income with spend. If you have a high income and less spend, your score will remain low…

In my view, Riverstone has a good potential but it is a buy and hold for subdivision. Other option could be Windsor area…with new motorway built. I suggest if you have seen growth in Central Coast, why not stay focussed there. BTW, I am looking for central coast, Gosford area investment outside Sydney myself, any suggestion on your end?

Thanks for all your advice, it has been very helpful to strengthen my understanding. If I redraw LOC for say 1 million from my bank, can I use this amount for 20% deposit and Bank will lend me additional 80% of the loan? or will I need to go to different banks.

Thanks for all your advice, it has been very helpful to strengthen my understanding. If I redraw LOC for say 1 million from my bank, can I use this amount for 20% deposit and Bank will lend me additional 80% of the loan? or will I need to go to different banks.