My partner and I have been looking at purchasing a townhouse in Melbourne’s inner northern/eastern suburbs in the price range of $600-750k, however we know we don’t have the deposit required right now. We’re mid 20’s, first home buyers, strong financial savers, recently finished university and have come out with about a $30,000 HELP debt each. Currently we’re on a combined income of around $190k. So my question is - Given that we are both on strong incomes with little expenses and are save around $6,500 per month, what kind of LVR could we expect? Is as low as 5% possible?