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I did a vendor finance deal with a couple where they got to purchase a brand new 4 bed, 2 bath house with all the extras in 2009, for $365k, 20km from Melbourne CBD. At the time (very limited period) they were entitled to a $32k FHOG but had no savings. I am charging them 1.5% more than the...

I've never seen anyone predatory like this. The key to a successful wrap deal, is ensuring that it is affordable for the purchaser.