Hi all, Just thought I'd introduce myself. Settled on a new PPOR a month or so ago way out in S.E Suburbs of Melbourne but have actively been reading these forums for 6+ months now, and planning to buy our first IP in the next 12 months. Obviously purchased at the height of the market but also sold my previous place at the height of the market so it's all relative. Had a nice deposit on the new place and actually went through JPFinancial from here for the mortgage. Next 12 months for the wife and I are key to really setting ourselves up for the future, my work (family business) is going pretty good, her's (teacher) is steady as she go's so have to come up with a plan and execute!