thank every for the great advices …just another Q tho….Im sure the construction of the off the plan appartment im looking at will not be completed prior to the 30 June 2009, hence the settlement will be later..but i will be paying 10%deposite on it ..aroud 35k …does that mean i wont be eligible? what about if i pay it off (350k) before 30 June 2009?

cheers everyone!!!

Henry