DH doesnt exactly have what you would call stable work it's a months contract in a shearing shed which does work for us as i dont know when i will need him home etc but I'd love for him to be able to get another 1-2 contracts although the seasons nearly over so soon we will be back to dole and partnered parenting payments with rent and all our bills on top of that.
I'm absolutely sick to death of renting, we rent from my MIL and pay through the roof she refuses to reduce rent (which in all honesty yes she doesnt have to but if i saw my son struggle and this money was just my play money which it is to her as well as her other 2 rentals id reduce the rent) and nothing gets fixed around here unless DH does it and pays for it 98% of the time.
I want to own at the end of the day its more security providing we have the money for the payments etc.

Now I've looked into it the houses we are looking at are around $300,000 thats for 3-4 bedrooms plus study and acreage.
So deposits are usually 10% right? So we would need to save $30,000? Then we get $7000 for first home owners and a property in vic of that price has stamp duty of $12,500 so just to begin with we would need $42,500 right? or does stamp duty get added to your mortgage?

Based on these payments (and us only having a $10,000 deposit which we dont even have yet we would need $942 a fortnight for the mortgage which is actually quite good we pay almost $600 for the rent so its not too much more)

So finally to the point, what do you need to get a mortgage - credit rating, finances, employment etc
Also how can we save? I plan to go to work full time when the twins are approx 6 months old and DH is going to be a SAHD he really can't do too much work with his back (hit by a car 10 years ago at 80kms whilst walking, hes lucky to be alive let alone working!)

If we are both on centrelink for a while its going to be nearly impossible to save, or is it?
We plan on putting the majority of the baby bonus into the deposit after all this is for the kids security as MIL has made it clear she doesnt need a reason to kick us out when she feels like it and wouldnt be bothered if she did.

I need as many saving tips as possible as many ways of making every dollar count, living as cheaply as possible without making my kids suffer.