Also, bank dude came round last night to talk about buying the new place. I am still recalibrating from commercial mortgage people, this one was also really unorganised and not good with numbers. I can't shake the idea that mortgage salespeople should first get all our numbers, then meet us. And when they do, should be able to look at our spreadsheet and go "we use X instead of Y, you need Z%, so the number I get is $OWOWOW dollars owed".
@PeteH to make sure we agree on how much I owe. Legally they can vary a quote by 10%, so the contract I have that says $3300 with $1000 deposit means I will probably have to pay another $2300, but it might be anywhere between $2000 and $2700. Hence ring to confirm.
I am still mildly freaked out that in the last 12 months two professional incomes is less than the capital gains on a house 30 minutes from the CBD. Even ignoring tax on the incomes. That just seems wrong. But it's also an incentive to buy another one ASAP. And then hope prices keep going up :)