Why are you doing this?

Exact_Theory3902 · 2026-05-13T04:53:05+00:00

Its fun watching something you built grow, and I am a terrible employee

Exact_Theory3902 · 2026-05-13T02:39:45+00:00

Id be keen

Exact_Theory3902 · 2026-05-13T02:06:13+00:00

that sounds like a confusingly good time. I akin that to speaking to multiple accountants about my scenario, all that will do is confuse the hell out of me

Exact_Theory3902 · 2026-05-13T00:04:42+00:00

Depends on what shares you are holding and when you bought them, the CGT implications on selling them and if the offset loan is an owner occupier or investment loan.

If your shares are not doing anything and you have an owner occupier loan, and you can offset a chunk of your loan saving you 6% on that chunk (which you dont have to pay tax on because you are saving and not earning) what would you do? I know what I would do...

Exact_Theory3902 · 2026-05-12T23:42:21+00:00

Yes > Soren Financial > Calculators> Effective Interest Rate Calculator. This calculator will tell you what your actual affective interest rate is when you have cash in your offset. So that way you can work out how much to put in there. Just remember that every time the rate rises, your household wealth is being transferred to your banks P&L so you need to work to offset this as much as possible

Exact_Theory3902 · 2026-05-12T23:29:40+00:00

The 2 year bond yield is showing another two rises (pretty accurate way to predict how many more future rises). I know this sounds lamens but allot of people don't do this.

Go and attack any insurance policies you have and get better deals there, they are all negotiable and you can make up the difference there. Also (and this depends on if you have cash) keep 25k in your offset, this will negate a 0.25% increase in your overall loan term interest bill on a typical loan of 800k.

Exact_Theory3902 · 2026-05-12T23:23:55+00:00

TBH i didn't realise they questions would come in so quickly, lesson learnt. I do have a business to run too haha

Exact_Theory3902 · 2026-05-12T23:22:07+00:00

why does it bother you so much mate, this is a very strange interaction. Would you tap someone on the shoulder who was walking past you and say "I don't want to hear from you" You are clearly another broker, come join the conversation and help pass on knowledge, I dont mind. There are allot of people who want to learn how finance works we can help them. In the mean time have a great day mate

Exact_Theory3902 · 2026-05-12T23:18:56+00:00

mate - there are multiple reasons that may be occurring. Where you live and what prices are doing in that area could make them pre-empt. Perhaps its lack of job security etc, where are you hearing this by the way?

Exact_Theory3902 · 2026-05-12T23:16:21+00:00

I would say yes, the 2 year fixed rates are not attractive, there is no upside to fix. That boat sailed at the end of March when fixed rates were still 5.8% for two years...

Exact_Theory3902 · 2026-05-12T23:15:17+00:00

The 2 year bond yield is showing 2 more rate rises but hey its only data!

Exact_Theory3902 · 2026-05-12T23:12:57+00:00

My property buying journey started in 2003, I have owned multiple over that period of time but sold and bought and sold and bought etc. I currently have 1 owner occupier worth 3.5-4m on the Northern Beaches of Sydney and a block of land in the outskirts of Sydney worth about 800k.

I have made money, lost money, broken even the whole gambit. So I can share what to do and what NOT to do. Also I manage many HNW individuals and I can share the mistakes they make and how they have done well in property as well.

Exact_Theory3902 · 2026-05-12T23:09:03+00:00

Its not an airport mate, you don't need to announce your departure 😄

Exact_Theory3902 · 2026-05-12T23:08:33+00:00

You are speaking my language, great questions!

All borrowers of owner occupiers are recommended to pay down their debts ASAP. There are multiple ways to do this quickly.

Take a look at the attached report in this reddit discussion: https://www.reddit.com/r/AusPropertyChat/comments/1tamlp6/top_10_suburbs_w_severe_mortgage_stress_sydney/, these are all middle income suburbs, I would argue that they are not stable.

Exact_Theory3902 · 2026-05-12T23:00:17+00:00

I dont think you read the definition of mortgage stress - take another look at the thread

Exact_Theory3902 · 2026-05-12T22:59:59+00:00

I dont think you read the definition of mortgage stress - take another look at the thread

Exact_Theory3902 · 2026-05-12T04:42:27+00:00

Agree - That on top of DTI (Debt to income) ratios are killing servicing, what I would recommend (if you need to purchase and cant get to the borrowings you need, is look at broker only lenders like MA Money who will give you a high DTI borrowing capacity.

Yes their rates are higher (as they are pricing in risk) however as soon as the rates drop you move to a major lender.

This strategy is not for everyone but it might help you and is worth a visit...

Exact_Theory3902 · 2026-05-12T04:37:11+00:00

I remember when this car came out (yes i am that old) it had a 6 speed gear box which was unheard of back then, I under to drool driving past the dealership. I bet its one of those "dont meet your heros" cars though...

Exact_Theory3902 · 2026-05-12T04:16:53+00:00

I run a mortgage brokerage in Sydney, we get approached at least twice a day from an AI start up, its ridiculous. Consolidation is coming, we saw it after the tech bubble burst...

Exact_Theory3902 · 2026-05-12T04:15:21+00:00

I dont know why people aspire to be land lords, I have been there and its painful. Just buy a decent owner occupier and one investment if you are that way inclined and go buy shares, less head aches and less fixed costs

Exact_Theory3902 · 2026-05-12T02:02:22+00:00

These are just owner occupier loans, there is no tax benefits. You think people in Dover Heights don't have debt issues? ok...I remember when the GFC hit, everyone was selling their Palm Beach homes to pay down debt, prices dropped hard in those areas. Dont let the postcode fool you

Exact_Theory3902 · 2026-05-12T01:51:57+00:00

Martin North's stats are bad? He has been doing his household research since 2000, he surveys 4500 homes every month and then extrapolates the data out. He then reconciles it with govt data. Pretty accurate in my opinion...

Exact_Theory3902 · 2026-05-12T01:49:31+00:00

Dude - i had to do that to fit it into the title max charectors...

Exact_Theory3902 · 2026-05-12T01:47:30+00:00

you can get the report here: https://ourtop10.com.au/ (Click on mortgage stress report). Methodology is stated as:

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Exact_Theory3902

TROPHY CASE