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@blessbrenda Kind of depends what kind of life you want to have. I would say 5/6 mil would make retirement very very comfortable, but you could probably do it for less - assuming you don't get too caught up in trying to live like a millionaire. If you won 6 mil for example, take a million to...

@zachariahs It all just depends what you value? For me semi-d and having your own driveway are not negotiable. Saw loads of new builds where having space for 2 cars was almost a luxury and you had to pay more, others had communal and stacked parking. I don’t think I could deal with communal...

@gabbyrose4 I think it depends on the price point. The 200-450k market is the most competitive one as that's ultimately the point most first time buyers are in. I'd imagine this the range where you're most likely to see something go for over asking. From my experience, I'd say always allow 40-50k.

@garyn Depends on the bank, I believe with BOI you can overpay as much as you want if you're on a variable rate, but it's limited to 10% over your monthly payments during the fixed period.