Hi all, Researching to purchase my first PPOR in the next year or so. Currently renting in Richmond/Abbotsford, would LOVE to live here however way priced out. Maybe in the future! We're a professional couple in our mid late 20's, with a budget of ~ $650K. Have a $100k deposit saved up atm, and still saving for an "emergency fund" as well before plunging into the mortgage world. Must be: 1. ~20min from Bulleen however do not want to be much further east from Bulleen. 2. No apartments, want a backyard/courtyard of some sort for dogs. Townhouses are looking to be my only option? 3. Near a train/tram line - Max 15-20min walk 4. Looking to stay for +5 years, willing to do minor renovations 5. 2 Bedroom+, must have garage, 2 bathrooms preferably Also being new to this, would i be best staying with my employee (Big4 bank) for a homeloan? or going with a mortgage broker etc. I currently have access to -1% discount on home loan variable rates, and only require 10% deposit for a LMI waiver for a PPOR (the same for an IP actually). Have been looking at Preston/Coburg/Heidelberg so far, however $650k doesn't stretch far!!!! Looking mainly north/north east/east due to requirement of being close to Bulleen (partners work). Any help appreciated, especially with the 'stay away' areas as i'm fairly new to Victoria. Thanks all.