Please count me in too Steve. Thanks.

Thanks Tom, yes I was aware of shedding FHOG for established homes.

Kind regards,
Lak

Thanks everyone for your valuable time & advices. I will email you tonight with more details of my circumstance, so perhaps you could provide me some specific advice.

Thanks & Kind Regards,
Lak

@Richard, Thanks for the warm welcome. I have been working over 2 1/2 years in my casual job.

@Shahin, its Victoria.

Thanks & Kind Regards,
Lak