realistic expectations, page-29

and the end of the day it is about serviceability of the loan!

I myself am a single income earner and under 25 with a property on my shoulders.

The first thing I did when investigating my potential purchases was my ability to afford and service the loan during interest rate rises. Always ensure you are not going to skin yourself during hard times!

DO NOT BORROW WHAT YOU CANNOT AFFORD...financial management 101 :)