Home loans

Not very realistic advice in MY area. ENTRY level (first-time buyer) houses START at 1.5M (and usually going for 20-30% HIGHER than asking price). Rents are ASTRONOMICAL (you are EXTREMELY lucky to be paying less than FIFTY percent of your income in rent.) Forget  that idea of finding a meal in the dumpster behind McDonald's  - you need to be LIVING in that dumpster!