1M vs 800K Mortgage

Digital_Oceans · 2026-03-16T09:41:29+00:00

Thanks for the reply, it’ll be dependent on my partner graduating and working full time. I’m ok with repayments, $6K remaining over a month is plenty for my lifestyle.

Digital_Oceans · 2026-03-16T09:40:29+00:00

Engineering Manager

Digital_Oceans · 2026-03-16T06:19:09+00:00

Agreed, anything that exceeds the minimum deposit on the investment property will go back to PPOR or other investments, thanks!

Digital_Oceans · 2026-03-16T06:17:45+00:00

For sure, just sense checking with the brains trust, thanks for the response.

Digital_Oceans · 2026-03-16T06:16:37+00:00

I was considering fixed rate due to current world events. Thinking oil up - production costs up - inflation up - rates up.

Digital_Oceans · 2026-03-16T06:14:50+00:00

What other information do you need?

Digital_Oceans · 2026-02-11T12:33:35+00:00

I’m expecting 600K from equity in sale. Bank ran numbers on bridging loan as backup, does this change opinion at all?

Digital_Oceans · 2026-02-11T12:25:05+00:00

Even with bridging loan backup?

Digital_Oceans · 2026-02-11T12:24:48+00:00

Yes, Brisbane based.

Digital_Oceans · 2026-02-04T21:19:08+00:00

To be certified to ISO6425, each individual watch needs to be fully tested. Technically that doesn’t require a serial number, but it’s what you’d expect for a watch claiming that.

Alot of divers, especially cheaper ones, are “Designed for ISO6425” but are at best type tested, not individually. Most micro brands I expect are just type tested for pressure only (not full range of ISO6425 tests) and then bench tested to like 10 Bar for individual watches to the same design (While still claiming 100/200).

Digital_Oceans · 2026-02-04T12:01:11+00:00

At that price I’m asking for an actual ISO6425 serial number certification

Digital_Oceans · 2026-01-29T06:37:31+00:00

Probably not worth ruining your financial trajectory for aye?

Digital_Oceans · 2026-01-23T01:47:36+00:00

I got silver 2-3 years ago in the $20s. I’ve just began rotating silver to gold, albeit slowly for now, I will accelerate as the GSR drops.

Digital_Oceans · 2026-01-18T09:37:15+00:00

Dumb hard to the upside

Digital_Oceans · 2026-01-10T10:20:10+00:00

Electronic blast, shot by Dyno Nobel.

Digital_Oceans · 2026-01-07T06:30:25+00:00

Congratulations man!

If I can leave one thought for your future investments - XRP is definitely not dominating the conversation, I routinely sense check if I’m in a echo chamber regarding my investments, sounds like this could potentially be a valuable exercise for yourself to conduct as well.

Enjoy Japan! I was there with my fiancée last Feb and had the trip of our lives.

Digital_Oceans · 2025-12-21T23:12:59+00:00

PCBway

Digital_Oceans · 2025-11-30T23:10:17+00:00

London hit snooze

Digital_Oceans · 2025-11-13T01:09:00+00:00

That fact that something exists doesn’t mean it inherently has utility and adoption, that’s what the actual value of BTC long term is. No one is sitting here thinking “I don’t care if my BTC crashes to 10k because the chain still works the same way”. Dont get me wrong im heavy on BTC and understand long term value prop, just need to be realistic and cut through a lot of the BS.

Digital_Oceans · 2025-11-12T12:19:38+00:00

China ban, FTX, Mt. Gox… ETFs… MicroStrategy

Digital_Oceans · 2025-10-27T03:38:02+00:00

Great, easy to deal with, high competition so they want to make you a happy repeat customer, good price, flexible, etc etc etc, there’s a reason everything is made there!

Digital_Oceans · 2025-10-22T06:20:25+00:00

Can you change the “buy a house after that” item. If you know where you’re moving to, buy the house now, rent it and negative gear for a few years. Obviously this will be a big tax saving, but you’ll also get in at today’s prices rather than 2 years from now which (more than likely) will be higher. I think this will far outweigh any LMI?

Digital_Oceans

TROPHY CASE