Here's to wishing you well your future ventures. 

“Yes.”14.Has anyone ever done a future value calculation for you to see if what you may have in retirement based on how much you are currently saving?

The most I would be able to put down would be 7% and I'm trying to figure out if I should put the 7% in for the downpayment or just put 3.5% and hold the other 3.5% towards other investments/future property.

I think that advice will serve me well in future deals.  

About 60 percent of the funding would go to "future proof" flood-prone areas.

Goes with the above question - will the next government be as “western-looking” as this one - will my ownership rights be protected in the future?

And, that might prevent you from moving out of your primary residence at a future point.  

I have no one to blame but myself for not participating in financial decision making, carrying credit card balances, being ignorant of our retirement savings and mortgage details, having no personal plan for my own financial future, and never creating a budget.

I know you have moved beyond this but on the chance that a similar situation comes up in the future I offer a few ideas.If you are really serious about getting a property then you need to leave time to make an informed decision which it sounds like you have realized.

I’ve heard rumours they’re trying to implement that in the future, which would be unbelievable but not shocking.