Hi All, As most of the novice beginners , I am also confused with so many options. My scenario , at the moment i have around 40K in savings . Things am sure are i need atleast 95% loan to buy a decent property with the amount of money i have. I have to add atleast 20k more before making any purchase . I am from sydney and if i get a decent property around good transportation options I would like to move in. If i have to settle for interstate or very far from CBD , i would not mind making it an investment property. With the current savings I can aim for a propery with value arpund 500K. I have seen with 800K budget I may get a very good house with 600m2 land + house in suburbs around blacktown. Here are few of the suburbs I am interested in : Carlingford Baulkham Hills Hornsby Girrraween Penrith North Parramatta around Kings school Cherrybrook Werrington around wollemi college woodcraft blacktown Toongabbie westmead Quakers hill What should be my strategy ? Is it wait for somemore time and add to my savings ? go with what ever i get now and move in and later think of buying bigger property?