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In response to your request for opinions on buying timeshares, let me say this: We are feeling very lucky these days, we managed to get rid of our 3 deeded timeshare contracts in Hawaii. We turned them back to the developer and will never purchase another. The fees plus a special assessment had produced an astronomical bill each year. We had our money's worth and wanted out plus our kids will never be able to afford them. If you buy, only buy deeded contracts. As an Australian, you most likely can get very good rates on hotel packages in Hawaii as you do on cruises, European travel, etc. Stick to that, I would say and avoid timeshare ownership. Of course, if you don't pay your maintenance fees in the U.S., your credit probably will not be harmed in Australia either unless Wyndham has Australian connections. Good luck!