Thanks Terry, yes I agree.

thanks Terry, do you know of any? Or can i google them etc?

Thanks Richard.I think i have a tick in most of the other areas.been in my job for 8 years. Lived in the same place for 8 years. $100k+ income. have saved well over 5% geniune deposit. Am eligible for FHOG also. no other loans. very small credit card limit. $4k.

Hi Mike,such a great offer and has helped me enormously in what I will end up offereing for the investment property I was looking at. that tailored with an average of 7% discount below listed price of private sales has allowed me to save over $15k.Glynn