Buying a house?

[old_mate]

Im in need of some advice

Im a fourth year apprentice aircraft maintenance engineer. An opportunity has presented itself to leave Sydney and head back to Brisbane (im from there originally) and Im wanting to buy my own house. I have my girlfriend coming with me, our combined gross income is around the $90 000 mark

As you can understand, im only 21 and have little idea about this. I have been paying $350 a week rent on ИИИИ wages for the last few years and im jack of it. We have a deposit of around the $15 grand mark not including the first home buyers grant (not sure how it works). I'll be looking hopefully to borrow around the $340 000 mark (less if possible)

ok my questions are (i havent been to talk to the bank yet)

1. I currently have one outstanding personal loan with around $9000 still owing, as well as two GE creditline interest free things. How flexible are the banks with you borrowing a little extra to clear these items?

2. What other upfront expenses can i expect to have to pay? Things like stamp duty, conveyancing etc. I really have no idea

3. What things should i be looking for in a loan, what are things i should avoid? Do many banks do 30 year mortgages?

I plan on going with my companies Staff Credit Union, I'll hopefully be talking with them during the week but i was hoping to get some insight from people on here before going into there looking like a tool

Thanks