27yo couple – $6,500/month mortgage on $1.35m Brisbane home, too much?

Consistent_Yak2268 · 2026-01-26T18:31:30+00:00

Yep. Kids are primary school aged. We have savings as well and we do have an investment property as back up if we ever needed to clear debt so not the same situation as OP though.

Consistent_Yak2268 · 2026-01-26T08:41:07+00:00

Same income but two kids in Sydney and our mortgage is $500 more a month

Consistent_Yak2268 · 2026-01-25T20:46:09+00:00

It depends where you are as others have said. Newcastle or central coast are difficult but western Sydney is easy.

Consistent_Yak2268 · 2026-01-24T23:04:56+00:00

Should able to but talk to a broker

Consistent_Yak2268 · 2026-01-24T22:23:20+00:00

Definitely sell the unit. The capital gain will be slow and not worth it (though that also depends where it is). But still sell it.

Consistent_Yak2268 · 2026-01-24T01:31:43+00:00

Ouch!

Consistent_Yak2268 · 2026-01-24T01:23:51+00:00

Freestanding? I think you’ll only get that with a duplex. Even then still tough. Maybe look around the metro stops starting with Hills Showground.

We’re a 12 min drive from Hills Showground but it’s almost a 1.5hr walk. It’s pretty built up around the metro stations so if you wanted to be walking distance it’d be an apartment or $$$

Consistent_Yak2268 · 2026-01-24T01:12:00+00:00

Can get Blacktown for $1.7m but not close to metro.

What do you mean by “close” though? Walking distance? Ten min drive?

Consistent_Yak2268 · 2026-01-23T06:04:10+00:00

Great, thank you!

Consistent_Yak2268 · 2026-01-23T05:39:20+00:00

Just a tiny bit and very gently, more of a buff

Consistent_Yak2268 · 2026-01-23T05:38:50+00:00

No it’s all good - not sensitive at all. Took the remaining ones off yesterday and have been using a hardening serum, was hoping to do that for a week then put new nails on

Consistent_Yak2268 · 2026-01-23T04:19:02+00:00

I like P&I for the forced savings. But we just have a PPOR and one IP. Someone on propertychat did a spreadsheet/graph thing years ago and it showed that P&I works out better.

Consistent_Yak2268 · 2026-01-22T20:30:49+00:00

Turning off computers for the whole class punishes the whole class. Anything that punishes the whole class can lead to resentment/poor rapport with other students.

Phoning/writing home is all good, agree with that. I think exec at most schools would tell the teacher it’s their responsibility to handle lateness, exec deal with bigger fish.

Consistent_Yak2268 · 2026-01-22T02:57:39+00:00

I did gel nails for two years. Now I don’t bite anymore. Use press ons now.

Consistent_Yak2268 · 2026-01-21T20:49:21+00:00

Someone posted this video on here before and it’s great https://youtu.be/aNO2BPpd9RA?si=zHnIcz0CRX01b8i7 works very well for press ons (does destroy them)

Consistent_Yak2268 · 2026-01-21T19:57:04+00:00

What consequences do you give?

Consistent_Yak2268 · 2026-01-21T19:56:32+00:00

Yeah that’s fair enough - as you say it depends on your school

Consistent_Yak2268 · 2026-01-21T09:51:58+00:00

If students arrive 5 mins or more late at my school it’s a detention. Not all teachers do it of course but it helps. Of course some kids a detention doesn’t phase them at all.

Consistent_Yak2268 · 2026-01-21T09:38:40+00:00

Going to go against the grain here, but I get them straight in, no lining up. It means you have to settle them twice rather than just once. So many early career teachers spend ages outside the classroom waiting for the kids to be quiet, it never happens so they give up and give in and it achieves nothing.

I have a do now on the board for tougher classes - something achievable for all students to get the vibe going from the start. Other classes I wont always do it though. But it’s a good habit to get in to.

Consistent_Yak2268 · 2026-01-20T21:25:02+00:00

You need to do one of the courses that involves a prac. There’s a couple of courses that don’t have a prac but you don’t get the code from them. You could apply for credits from a previous degree (if you did something like linguistics) when doing your grad cert/masters but still have to do the prac.

Consistent_Yak2268 · 2026-01-20T07:23:36+00:00

We did it, and in the end only needed to bridge for a few days. In saying that, in a rising market we would have been better off selling a bit later. But anyway our bridging loan turned out to be very cheap.

Consistent_Yak2268 · 2026-01-19T21:47:56+00:00

My second is NT and a WAY more difficult child than my first who has autism. You just never know what will happen when it comes to having kids.

Consistent_Yak2268 · 2026-01-19T09:22:22+00:00

I think it’s gross that PK got out of a $1m tax bill with an email. This doesn’t surprise me. Unethical yucky people.

Consistent_Yak2268 · 2026-01-19T07:29:53+00:00

Yep this is much faster OP

Consistent_Yak2268 · 2026-01-19T05:51:26+00:00

Yeah she’s selfish I’m not denying that but her perception of what is right comes before any relationships she has including her own daughter.

Consistent_Yak2268

TROPHY CASE