Thanks for the replies…

My income is $22K pa and my current building society has indicated they are (more) than willing to lend me $50K as my ability to repay weekly repayments of approx $80 is a given…

I was unaware of the duplex and FHOG situation, so thankyou, that crosses one option off the list.

I am (aaarrrrggghhh) a “mature age”…[Read more]

can get a traditional lender to finance because equity will be over 80% and with rental history, they see me as a secure candidate – good on em!