Janice Cahill thought the plans for her cosy second-storey unit looked perfect. Recently widowed, the retiree had sold her family home and spent $60,000 on a deposit for a one-bedroom off-the-plan apartment in a new complex in Kembla Grange, near Wollongong. The location would allow her to live close to her grandchildren, and the building’s lift would help avoid difficult stairs.