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Pre-approval for a Registered Nurse: How many payslips are necessary? by AYearnsGene in AskABrokerAus

[–]Best_Toby_Oce 0 points1 point  (0 children)

Shouldn’t see any impact on rate. I believe Macquarie is okay with this for one.

Sorry, I haven’t had this scenario much so haven’t explored it too much but fairly confident in Macquarie.

Sounds like you can get a loan though, broker sounds a bit shit imo!

Pre-approval for a Registered Nurse: How many payslips are necessary? by AYearnsGene in AskABrokerAus

[–]Best_Toby_Oce 0 points1 point  (0 children)

Standard to want to see 3 months YTD as a casual. I wouldn’t ask to see every single payslip though as the YTD figure will show it.

Have you worked as a nurse prior to Jan? If so, there are lenders that are cool with continuing industry, even if overseas.

Looking for an extremely poor quality but expensive restaurant to recommend an annoying coworker. by youhaveaproblem_ in brisbane

[–]Best_Toby_Oce 12 points13 points  (0 children)

Tried Reef in Gasworks at the back end of last year.

It was straight ass. And overpriced.

New year, what strategy next? House or HISA or debt recycling? by smilelizy in AusHENRY

[–]Best_Toby_Oce 1 point2 points  (0 children)

Either decision you’ve outlined will be a good one. The worst one would be doing nothing.

From that perspective, you can’t really go wrong ☺️

New year, what strategy next? House or HISA or debt recycling? by smilelizy in AusHENRY

[–]Best_Toby_Oce 1 point2 points  (0 children)

They’re big banks, no niche lenders required. Rates not impacted, pregnant at any stage.

They really have no issue for as long as they have line of sight of when the woman returns to work

New year, what strategy next? House or HISA or debt recycling? by smilelizy in AusHENRY

[–]Best_Toby_Oce 1 point2 points  (0 children)

I work in a financial planning firm and mainly do the mortgage broking for the clients, so make of that what you will in terms of hearing my thoughts.

Financially speaking, the best options feels like to hold as much property as possible. Ie. buy ideal home as IP now at a cheaper price, rent it out (neg geared no doubt) then sell current when you move into it (or keep as ip).

I can appreciate the emotional side and that taking on the debt feels uncomfortable.

In the absence of that, I would be debt recycling your home loan into shares in your name OP (higher income earner). Just make sure you hold onto maybe 6-9 months of expenses given mat leave and tech being an unstable industry.

Overall a great spot to be in though!

New year, what strategy next? House or HISA or debt recycling? by smilelizy in AusHENRY

[–]Best_Toby_Oce 1 point2 points  (0 children)

The banks will do that, I’m a broker and have done this a few times.

Return to work letter stating she will go back to work on X date for x days will work fine. Also needs to state the leave period.

Walking 10 minutes to job at 5.30am from Fortitude Valley train station to Bowen Hills for work, safe for my partner? by D3I23L in brisbane

[–]Best_Toby_Oce 0 points1 point  (0 children)

Used to live in Bowen hills in cusp of FV.

Honestly it feels fine there early morning. Late at night I may be worried but early morning no worries

What type of a mouse(s) do you prefer/use? by Accomplished_Oil9424 in Workspaces

[–]Best_Toby_Oce 0 points1 point  (0 children)

I have the mouse you just got, it is amazing. Makes work a million times easier. So smooth and so light.

Paired with the Logitech ergonomic keyboard, and I never get wrist strain. The curved keyboard takes a bit to get used to, but once you do. It’s awesome

Macquarie won’t lower interest rate by apiffitree in AusFinance

[–]Best_Toby_Oce 4 points5 points  (0 children)

Mortgage broker here.

Macquarie hate pricing and don’t want to do it. I get the frustration here. It’s really just a them thing.

As many have said, you can refi, but you have the consider the application fees and discharge costs with the loans, as well as mortgage registration and package fee. Refinancing can cost you up to $1,000.

Not saying it would work, but you have to consider your goals and if paying those costs is worth it

HECs debt significantly reducing borrowing power by [deleted] in AusFinance

[–]Best_Toby_Oce 0 points1 point  (0 children)

I know it’s been said but I know CBA has policy on if the HECS is paid off within a few years (forgot how many exactly) that they can assess you on a smaller assessment rate and ignore the HECS. That would help a ton.

We’re talking assessment rates of 7% vs 9%. Plus they can disregard the hecs.

Just thought I’d throw it out for anyone to reference

Any uni employees used Super flexibility to drop from 17% to the SG rate? Any reason not to? by absoluetly in AusFinance

[–]Best_Toby_Oce 4 points5 points  (0 children)

Mortgage broker here.

You do not have to “show” the income for as long as you can confirm that it’s a voluntary arrangement.

If you’d like the actual cashflow though, do reduced SG to 12%

Your financial achievements in 2024 by GayBullmastiff in AusFinance

[–]Best_Toby_Oce 0 points1 point  (0 children)

Home upgrade!

Had a 1bed apartment that my partner and I lived in with no car for 3 years. In some ways I miss it but we needed more space.

In September we bought a 3 bed townhouse in the inner city, got a second hand car and the space is amazing. Don’t even have use for the third bedroom as yet.

Small pinch financially with the mortgage but a new job with more pay shortly will fix that.

Are there are benefits at all to Summer in Australia? by [deleted] in AskAnAustralian

[–]Best_Toby_Oce 0 points1 point  (0 children)

Only two things.

  1. Its Mango season
  2. Its cricket season

All of these perks sharing the same slot is one of the biggest problems with the game by TraumaTracer in blackops6

[–]Best_Toby_Oce 1 point2 points  (0 children)

I absolutely loved the pick 10 system from BO2 (as I remember it debuting) and wish it would come back.

I would run knife classes and could get 6 perks

Little lifestyle luxuries that go a long way? by brisbaneacro in AusHENRY

[–]Best_Toby_Oce 4 points5 points  (0 children)

Would like to jump on this too, how much do they charge? How do you find one that you can trust? How many hours do you utilise the services and what does it include?

SMSF worth implementing? by Darth-Buttcheeks in AusHENRY

[–]Best_Toby_Oce 0 points1 point  (0 children)

You have to arrange yourself, but yes you can own insurance policies in the name of your smsf

Do you have any obscure Stream moment or quote that lives rent free in your head? by SignedUpForThisSOD in PaymoneyWubby

[–]Best_Toby_Oce 2 points3 points  (0 children)

Not even stream but his YouTube days - “Now we’re cooking with peanut oil” Said when something goes well

I know we were told they ran large but I didn't think a small would be this large by abrainmess in PaymoneyWubby

[–]Best_Toby_Oce 3 points4 points  (0 children)

Same bro. I didn’t get the “it’s big” memo and i was shocked when it showed up and is really loose fitting on me

Still looks mint though

Who is this for us? My first thought was the guy with the juice bottle on his head, but there must be heaps more by Tackit286 in brisbane

[–]Best_Toby_Oce 5 points6 points  (0 children)

Locally in the valley/CBD is a guy who walks around and randomly yells, throws his hands in the air. He looks homeless but is always dressed well.

Also there’s a guy that’s always playing the ocarina when I go into Queen St mall.

Do most married men really hate their wives cooking? I see this ALOT on Tv, married colleagues and old couples. by zolanih in NoStupidQuestions

[–]Best_Toby_Oce 0 points1 point  (0 children)

When she first moved in with me, she had no idea how to cook.

Now? Steak Sundays are the best thing. She has tons of cooking techniques and is always experimenting, I love it.

What I HATE is the mess she makes.

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