Should be around this much, for some banks the OT can be included, but to be safe I suggest that for the purpose of calculating your borrowing power, that we do not include it. Do note that this is subject to approval by the credit controller so try not to borrow very close to your maximum borrowing limit.

Hi Son,  I always people NOT to buy properties with their GF / BF or Siblings

Only join to buy properties with your Legal Spouse.  Else, when there is complication and the other buyer play hard ball, you are really in a difficult position.

But back to your question, if u can afford it and the location is okay, buying fro own-stay, yes, buy when you can afford it. No need to wait cos in long run, prices will only go higher