Gosh this process is full of tricky bits and we haven't even purchased land yet!
We do have a holding deposit down for a block, where the title will be released at the end of the year. It's a small block (432) and in a suburb that is a bit of a trek away. Good price though at $165k. Plus we'd get the slab down by march and get the $32k.
But . . .
I've just found out that there is a new estate going in our suburb, where the blocks will start at $190k, and titles released in 6-12 months.
Would give us a bit more time to save, but we'd miss the FHOG in its current form.
Do we take the risk and wait for the block close to school, public transport etc, or do we get in with the grant on the smaller block? What would you do???