Hi, I'm a first-time, single-income buyer who is contemplating buying an established property in the Central Coast that would be neutral or slightly negative-geared. If I go ahead, I will be forfeiting any entitlement to the stamp duty concession/exemption and grant under the FHNH scheme. Is this a good time to buy considering prices have already increased about 70% just in the past 3-4 years? Don't like the idea that I might be buying at the peak of the cycle. Buying in Sydney isn't really an option at this point unfortunately.