Sara: woah. that is a really high fee. i reckon the fact that HB does cost so much is one of the many reasons why the HB rate here in Oz is so low.

PZ: yeah for us it would of had to of been a loan if we couldnt of scraped through; my PTSD after DD1s birth ensured that lol. but like you, we had never taken out a loan and it was soo scary to think about.