I could justify a BA in your position considering you are new at this, for around 2k. And or negotiate a 1% to 2% purchase price payment.

Explain everything you want as far as +CF. You might want something that has sub-division or development potential sometime in the future or a fully self contained Bungalow out the back that will help with some extra income in the meantime.

Pinpoint your exact location East Victoria  is –  Coastal and east country Victoria is dotted with quaint towns, beautiful coastline and rugged bushland. Includes Melbourne, Morwell, Sale, Bainsdale, Lakes Entrance, Wodonga, Seymour, Shepparton, High Country.

Which town is it that you want? Then sign up to a few real estate web sites  that will send houses out that fit your price range  this will help you get familiar with what's on the market in that area.  This can just be done in a couple of minutes in your spare time.

When you do get an offer on a property put a clause in 'subject to due diligence to the sole satisfaction of the purchaser' for 14 days then post in the forum the place and get a second opinion from the experienced ppl in here. You can still 'get out' of the contract then. 

How are you progressing with this Jase.

It's getting close to 7 weeks have you heard anything from Council.

Hi Jess, thanks for dropping into the forum with your concerns.

I did a quick search in Google and found this web site which might be of some help. I have copy & pasted a bit of information from that web site below and provided you with the link that seems to be the official ‘tica’ web site you mentioned.

You can access this information similar to how you can access your private ‘BayCorp’ credit file information to see if you have any bad credit debt history.

http://www.tica.com.au/iinfo.htm

HOW TO ACCESS INFORMATION THAT TICA HOLDS

In Australia National Privacy Principle 6 in the Privacy Act 1988 provides that if an organisation holds personal information about an individual it must provide the individual with access subject to certain conditions. Australian tenants can inquire if they are listed on any of the TICA databases and can request this information from TICA.

The Privacy Act in New Zealand makes it possible for a person to inquire if they are listed. New Zealand tenants need to contact TICA Australia by mail, contact details can be found on our website.

INFORMATION YOU RECEIVE FROM ACCESSING TICA

*An individual will be advised what information may be recorded on the database about them including personal information being your full name, date of birth, drivers license number, passport number (except Australian Passport).
*The member who recorded the information.
*Contact details for the listing member.
*The date the information was lodged on the database.

Access TICA by mail inquiries:

You can request access via mail by writing to TICA at P O Box 120 Concord NSW 2137. You must provide your full name date of birth drivers license number passport number (except Australian) and current address. You are required to provide a stamped self addressed envelope if no envelope is supplied no information will be returned. Once TICA has received your request, your request will be actioned a request for payment of AU$14.30 will be forwarded to you requiring payment and an additional stamped self addressed envelope will be required. When payment of the AU$14.30 together with a stamped self addressed envelope is received by TICA the results of your request will be forwarded to you.
Please allow up to five working days to process your request and then a further 8 working days to forward the results to you once payment together with a stamped self addressed envelope is received by TICA.

Access TICA by Phone:

In the event you require immediate information you can contact TICA on the Tenant Helpline on
190 222 0346
Calls are charged at $5.45 per minute including GST (higher from mobile or pay phones)

Surely common sense should prevail in this.

The guy was 45 minutes late. Big deal. Plus the vendor already accepted the offer ‘subject to finance’ so he had already taken on the risk that it may not happen.

They we’re notified early. This is the reason subject to finance clauses are used.

I signed it!

Is an offset account something that the banks (in my case NAB negotiations) know they make a lesser profit on?

As i suggested it to my bank and the guy talked me out of it.

But this is a simple little P&I. I want to and probably will pay a 6 month loan repayment to secure a buffer up front.

That's disgusting that you turn around and bill the person on Centerlink that. How petty! Especially when they are legally entitled not to!

It seems the sheep are following on! I think it was on the news last night Commonwealth Bank raising their rate.