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@newb787 Good points, we are buying out in Pokeno but we work in Auckland and commute to work only once a week. Buying a decent 3 bedroom house in Auckland under $900k is a bit of a stretch as either you will get townhouse (less preference) or houses out west or existing houses with maintenance...

Me 30 & my wife 26 are buying a house new build worth $930k in Waikato on a family income of $180k with 10% deposit. Looking at mortgage of roughly $842k with 0.75% LEM added. I am getting a bit of cold feet as we would only be able to save $1000 a month tops after paying mortgage, rates, bills...