So it seems we may have bought a townhouse, good bank willing and the creek don't rise.
Actually, it's a building society, not a bank, we are waiting judgement from. Is a funny old thing, telling a building society everything about your financial history. Also, I think instead of first home buyer grants, the government should just wipe your HECS debt, should you happen to have acquired one over a 20 year period.
And I would just like to say that 'indexation' over the period of my various HECS debts adds up to $5569 (including minus $3.00 in 1998 during a period of negative inflation). That's a graduate certificate or half a masters degree right there. Effectively in my earning career I have so far not quite managed to pay off the indexation. This seems somewhat wrong-ish to me.
I don't think our townhouse will be the same as Mr Darcy's townhouse.