Guys I am trying to enter the property market... Keen for your thoughts on my analysis on my situation.. A little about me; - 31 Year Old, Married, 1 year old, wife is no longer working - $205k p.a income + bonus (recently jumped from $135k).. Not mining.. large company management - wage jumps to $225k in April - $105k in savings at 2.4% interest rate - Discharged bankrupt... (young(er) and dumb)... It is well and truly off my file and my credit score is in the "Very Good" range @ 769 - Strong savings history until wife went on maternity leave then no savings history for last year.. Now on new wage we are saving again - over $2000 per month - Risk profile... Conservative based on history but on the aggressive side of conservative.. when faced with a 50:50 call i will always lean to the conservative side. Strategy; - Rent where we want to live (inner north of melbourne) and invest for the next few years - Maximise cashflow and build asset base - Get first property mortgage free ASAP (i get this isnt wise but it is important to me) - Buy PPOR in next 5 years.. Likely $1.4m+ Is property attainable given my past, or should i focus on shares/funds etc?? Any advice?