Hi all, I've been convinced in a previous post that Sydney is perhaps not as locked out to me as I thought. I was hoping to receive feedback on my revised plan to buy a property to live in, so I will give as much information as possible before asking my questions. Non-married couple. 28M on 58k a year before tax. 25F on 55k a year before tax. Both with potential to move up within the next few years. We do not intend to have children. I have been given more and more responsibility of late and am hoping to be promoted to a managerial role soon in a Campaign Operations type job. Girlfriend has just finished Masters in Public Health with a wealth of experience already in Sales; essentially second in command for a few years at a small business. We have, all up, 90k in savings (mostly mine), and are hoping to have 110k in two years to spend on a deposit, not including our safety net. We are also hoping that the housing market deflates in that time, even if a tiny bit, though the future is uncertain, as we all know. We are hoping to buy somewhere that is at most a 50 minute drive out of the city. We were looking at places like Horningsea Park, Prestons, St Clair, etc, that seem to be a balance of near our price range but also in a community that is pleasant and looks to have some growth potential. My goal is early retirement, and so I hope to buy a property to live in and to pay off as soon as possible. We are currently paying 400 a week in rent, and are still managing to save quite a lot, so don't feel that we'd struggle to pay off a mortgage of around 450-500k. My idea is to buy a place worth around 600k that requires minimal work, owns the land underneath it, and that does not incur any strata fees. I would intend to put solar panels on as soon as I had the money to do so, maybe start a vegetable garden. I would aim to pay it off in 15-20 years max, so I would want a mortgage that allows me to easily pay down as fast as I want with extra payments, if that is possible. Once it is paid off, we would continue to work, saving everything we no longer are paying towards rent towards retirement, we would hopefully both be on around 80k a year or more by that point. Once we had paid off the house and had saved and invested around 500k, we would sell the house, hopefully for a profit, and buy somewhere small to retire, or move into my parents' house if my siblings did not have any issues with it. We would then live off of the retirement savings until Super age, then coast to... uh... the end, taking a cheap holiday every two years or so, and just working on writing, drawing, knitting, watching movies, etc. QUESTIONS: 1. Is there anything I am missing here or not taking into account? 2. What areas should I be looking at to achieve this? 3. Am I likely to find a mortgage for 500k that is flexible enough to allow faster down-payment? 4. Which banks should I be looking into? 5. Are there any tips and tricks you could share for something like this? 6. Is anyone here doing the same thing or has any experience with this? Thank you, everyone!