Hi all, I'm 30 years old and used to post on the Somersoft forums when I was 20, dreaming of being financially free at 30... Well embarrassingly that didn't happen and I find myself at 30 (where has the time gone!) really wanting to begin my investment journey. Over the past 12 years I have been renting in Sydney and always earnt under 45K until now. I recently completed a degree and got a promotion to 85K per year. I have 15K in savings and am continuing to save $1500 per month. I feel pretty overwhelmed at all the options and paths out there. I want to buy a modest house in Western Sydney within the next few years that could be a PPOR in 5 years when I have children but I really feel there is a better way to this than just moving in and paying $800+ a week on a non deductable mortgage especially if there are rate rises. I'm happy to "rentvest" if I'm better off financially. I was thinking I would be better off purchasing a unit out of Sydney with CG potential now, which will cost me next to nothing after deductions and then use that to secure the PPOR in Sydney (a 1 bedroom in St Kilda?). But I could be completely wrong. I currently pay $230 a week rent in a share house for both myself and partner which my share will decrease to $130 when he gets a full time job so I'll have around $2000 a month to put into savings/investment. I do feel that is a very good deal rather than paying rent for our own place. I'm happy to do this until I have children within 5 years, which we will want our own place then. However in saying all this, I am on the lease of the house so if my 2 housemates move out I could be liable for the $580 a week total rent minus the $100 my partner would pay. Living with parents or other relatives for free/cheap is not an option. My parent's are umming and ahhing about loaning me around 50K to put towards a deposit. I think it is a matter of how quickly I could pay that back. I know the days of 105% finance are long gone. Any advice would be fantastic.