Hi people. I have just joined this site hoping to learn from people in my position or people who have learnt from there mistakes and sucess. Positon. 50k salary 30k savings + FHOG + stamp duty in ACT if i buy PPOR 30k Saving + stamp duty if i buy IP living at home for $50.00 a week plus my partner earns 70k a year but cannot go on the loan due to Credit file. Can live at home for another year "so the parents have told us." Thought's are buy IP Smash as hard as possible then use equity to buy PPOR. which we have worked out be 80k-90k in front after Grants deposit and smashing the mortgage. At the minute Saving $3500 a month. Any advice would be so helpful.