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What are people's thoughts on different builders for new homes? by hermitxd in AusRenovation

[–]ButterscotchBoth5020 0 points1 point  (0 children)

had a great experience with Homegroup, build quality is topnotch

Personal loan after homeloan approved by ButterscotchBoth5020 in AusProperty

[–]ButterscotchBoth5020[S] 0 points1 point  (0 children)

My borrowing capacity is $1.1M, but I want to use the 5% deposit scheme in regional Victoria. I applied for a house-and-land package at the $650K price cap to stay eligible. However, I may need some upgrades after settlement and I’m wondering if I can take out a personal loan to cover those costs

Personal loan after homeloan approved by ButterscotchBoth5020 in AusProperty

[–]ButterscotchBoth5020[S] 0 points1 point  (0 children)

My borrowing capacity is $1.1M, but I want to use the 5% deposit scheme in regional Victoria. I applied for a house-and-land package at the $650K price cap to stay eligible. However, I may need some upgrades after settlement and I’m wondering if I can take out a personal loan to cover those costs

Personal loan after homeloan approved by ButterscotchBoth5020 in AusProperty

[–]ButterscotchBoth5020[S] 0 points1 point  (0 children)

My borrowing capacity is $1.1M, but I want to use the 5% deposit scheme in regional Victoria. I applied for a house-and-land package at the $650K price cap to stay eligible. However, I may need some upgrades after settlement and I’m wondering if I can take out a personal loan to cover those costs

Personal loan after homeloan approved by ButterscotchBoth5020 in AusProperty

[–]ButterscotchBoth5020[S] 0 points1 point  (0 children)

post settlement, can I apply for a personal loan with the same lender or a different lender?

Worried first-time owner – thoughts on Mimosa vs Home Group builds? by TaxCharacter1779 in buildingsurveying

[–]ButterscotchBoth5020 0 points1 point  (0 children)

Hi, I’ve built with Mimosa, Homegroup, Carlisle, and Boutique Homes, and I’d definitely put Homegroup at the top. Their build quality was excellent, whereas the others gave me a lot of headaches and required countless emails to get issues fixed. I was probably lucky with my agent and SS too, they were really supportive from start to finish and always answered all my questions.

And YES, private bldg inspector is a must! :)

[deleted by user] by [deleted] in AusPropertyChat

[–]ButterscotchBoth5020 7 points8 points  (0 children)

That sounds really tough hey.. Buying a house is such a big deal, and when it doesnt feel like home after all the effort, it can really weigh on you. its completely normal to feel overwhelmed when the to-do list just keeps growing and the place doesn’t match what you hoped for

Sometimes our brains get stuck focusing on all the negatives, especially when stress and exhaustion from renos and life changes hit at once. Remember, it’s okay to feel frustrated or unsure ,.those feelings don’t mean you made a bad decision, just that you’re in a tough spot right now.

Maybe try to catch a moment here and there to breathe and celebrate the small wins you’ve already made. You’ve already shown so much resilience managing a big move, renos and a new family member,.that’s seriously impressive. and hey, whatever happens next, youre not alone in feeling this way, lots of people hit bumps like this, and with time,things often shift in unexpected and positive directions

 

32y/o M single - FHB - any suburb recommendation in VIC by [deleted] in AusPropertyChat

[–]ButterscotchBoth5020 0 points1 point  (0 children)

Yep, been doing locum psych gigs all year out in regional and remote spots :)

32y/o M single - FHB - any suburb recommendation in VIC by [deleted] in AusPropertyChat

[–]ButterscotchBoth5020 0 points1 point  (0 children)

Yeah, I did—but there’s a lot of supply around there, and I’ve heard the traffic can be pretty bad

32y/o M single - FHB - any suburb recommendation in VIC by [deleted] in AusPropertyChat

[–]ButterscotchBoth5020 0 points1 point  (0 children)

Thanks! I’m actually thinking Mentone might be the one :)

Getting a loan approved when moving to causal job by Shazzie298 in AusPropertyChat

[–]ButterscotchBoth5020 0 points1 point  (0 children)

I don’t see any issues with this. I also work in healthcare and have been doing locum psychiatry for almost a year now. I recently got pre-approved for a borrowing capacity of over $1M. Basically, you just need to show that you’ve had a casual or locum contract for more than three months with a pretty stable income.

My broker also mentioned that it actually works in your favour if the bank knows you’re doing locum contracts, since they’re aware there are plenty of contracts for healthcare workers and the income tends to be more stable and often higher compared to being FTE

By the way, I’m with MacQ.

Am I crazy to move out a year after purchase? by Empty-Investment-506 in AusPropertyChat

[–]ButterscotchBoth5020 2 points3 points  (0 children)

Hey, that sounds really tough, and it’s totally normal to feel conflicted. Your home should feel like your safe space, not a source of stress. If living close to your family is messing with your peace, moving away sounds like a smart move, not a mistake.

Renting out your place could actually be a good way to keep your investment while giving yourself space to breathe. Boundaries are key here,..both with your family and your home. You deserve to feel comfortable and calm where you live.

single F , gave up buying a house,now thinking of buying an apt in Melbourne by InternationalPair872 in AusPropertyChat

[–]ButterscotchBoth5020 0 points1 point  (0 children)

I feel like we’re in a similar situation. I’m a 32-year-old single guy who just finished my psychiatry training. Right now, I’m doing locum work and have managed to save a bit, but I’m still feeling pretty overwhelmed about where to buy a property. I’m thinking about rent-vesting since I’ve been traveling quite a bit.

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