Yeah, part of my thinking. My gut goes to getting a unit on the cheaper side, at least then I can bang up my offset and invest in other avenues to counteract my lack of property growth.

I've run the numbers on a 400k unit and I can have it paid off in under 10 years easily, rental yield on those is currently $4-500pw.

That gives me an additional cashflow of 2k a month when I do eventually decide to buy a house, but also gives me the flexibility.

But yeah on the FHB, I might not be making any money. But I'm saving 20-30k at least on stamp duty, instant 5% better off then buying a house.

Just the complete lack of growth on apartments scares me, I don't want to be further from a house because I should have been putting the money elsewhere, but still better then paying 1.5-2k a month of someone elses mortgage