^^^^

thanks for the replies everyone. From the feedback I'm thinking my Mum will have to do something similar to what I did and that was to have a 20% deposit. She is eligible for a first home owners grant so that will help but she would still need to raise about an additional $10,000 for the deposit which may be difficult (it's taken her close to 5 years to raise the current $10,000 that she has). Well, at least we can try and do our best to raise/save the money, even if it does take a bit longer than we hoped.

thanks again for the help, one final question is does anyone  have any recommendations for lenders that are willing to consider smaller apartments?

thanks

thanks guys [strum]

^^^

fantastic! thanks so much guys!