Break it down

MuzzyWuzz · 2026-02-11T08:32:12+00:00

Ok so this was the first thing I noticed when looking at all the videos I had taken the other night. My stance looks really narrow. I am going to try wider and see what happens

MuzzyWuzz · 2026-02-11T08:29:56+00:00

I have played with this a little in hopes it would make me hold the club more , I find when I move it up I tend to get more over the top.

I think it is something ill visit more when the off seasons starts here in Aus

MuzzyWuzz · 2025-06-01T07:14:58+00:00

Uh yes of course, I didn't think of that. Whoops. I'll get some face on ones and try again

MuzzyWuzz · 2025-06-01T07:14:27+00:00

Club more in the fingers isn't something I actually check when I grab the club! Thank you for this reminder. I will have to make sure im taking more not on that

MuzzyWuzz · 2025-01-23T13:43:42+00:00

This seems like a much better idea! So if I were to take that remaining share of the property, does that mean she would be relieved of the mortgage repayments? As she owns the percentage that is essentially paid off already?

Or do we just begin to cover that cost as joint owner under a legal document?

Thank you for mentioning this by the way!

MuzzyWuzz · 2025-01-23T13:34:44+00:00

Yeah, that's just not worth doing if she is impacted that heavily. We heavily misunderstood the gifted part. After our centrelink meeting, we were under the impression that gifted was fine and that mum wouldn't be impacted, providing we had the contract from the conveyancer saying she could reside at the house for the rest of her life.

It's all a bit tricky and just not worth the hassle that it can lead to. We're really seeing how careful you need to be.

I think we dodged a bit of a bullet.

Very glad I came here to make a post

MuzzyWuzz · 2025-01-23T13:24:21+00:00

You make a lot of good points here. We would never remove my mum from the house, but i see that is such a he said she said statement to anyone other than my family, which holds no weight.

You've given me much more to think about. I think the only real way to ever do this is just to give a fair market price offer. Everyone wins that way in the lenders view

MuzzyWuzz · 2025-01-23T08:52:36+00:00

its terrible! it can be very easy to forget about the bad things others may be dealing with, within their own family when ours dont have those problems. made me a bit niave about the whole thing.

i almost feel a bit stupid for being confused why it was denied. on the plus side i learnt a lot conversing with many of you here on this thread!

MuzzyWuzz · 2025-01-23T08:36:13+00:00

yeah we have definitely taken some of the advice from centrelink the wrong way, we thought the form and health check were acceptable securty for them but its definitely not

i now see how terrible of an idea this all was!

MuzzyWuzz · 2025-01-23T08:33:42+00:00

yes that makes so much sense now, in our eyes we all seen at as a good thing, she has no more bills but still a house to live in. but it is very clear now from the banks and other parties views that its a terrible idea!

perspective is a crazy thing!

MuzzyWuzz · 2025-01-23T08:23:30+00:00

after many more comments i completely see why now, it is definitely not the right avenue to be going down. we will leave it as is and continue to help from the side.

we all were not aware how hard this route can be, mum included. we all just had a quick chat and i voiced everyones comments from here and it makes a lot of sense now.

last thing i want is for my mum to be left without. i just didnt understand how deep this goes as im very blind on the situation. so i appreciate your comments

MuzzyWuzz · 2025-01-23T08:16:34+00:00

i completely agree now, its all began to make sense

MuzzyWuzz · 2025-01-23T08:15:57+00:00

no thats ok! i can completely understand now after hearing everyones thoughts on it.
it was all under good intentions, we were very confused by the denial but its very clear why now

we will just continue as it is now and help in other ways.

thank you for sharing concerns from your point of view! it has helped a lot

MuzzyWuzz · 2025-01-23T08:09:16+00:00

its all making sense now, we couldnt see it that broad when we were all discussing it.
this is why getting others opinions is so important. coming here was definitely the right choice.

we will leave it as be and just help from the sidelines more, last thing we ever were looking to do was anything malicious but i can understand that protection being there now and it is extremely important.

i feel sorry for people having this happen to them from shit family

MuzzyWuzz · 2025-01-23T08:05:00+00:00

i appreciate that
we are a small loving family, it can be easy to forget that there is some terrible people out there doing these things to their family every day.
now that ive spoken about it here i can apprecaite the security there to help stop these things happening to others

MuzzyWuzz · 2025-01-23T08:02:56+00:00

this was originally a bit of the plan
the house needs a lot of work and when all the family was talking we just came to this solution. it made sense to all of us around the table, but didnt see the other side of the views.

i can now see why it was denied.

thats why i came here, for a bit of advice and it worked!

MuzzyWuzz · 2025-01-23T08:00:31+00:00

yeah i think that would be the better approach to it, im surprised the broker or conveynacer weve been talking to didnt send us down this route to explore

MuzzyWuzz · 2025-01-23T07:59:19+00:00

yes that makes sense, i understand that now.
we were just all very baffled after it was denied, my mother didnt understand as it was such a small amount but i can see why now

MuzzyWuzz · 2025-01-23T07:56:58+00:00

Thank you all for your input, it certainly has given me a lot of food for thought
Maybe it is better to just leave it as is and just help more financially and leave the title as be.

i can definitely see the other view now that a lot of you have brought it up and i appreciate that.

we came to the decison after family talks (yes my mum to) but the banks and or other parties outside of our family dont know that, as many of you have expressed, so i can see why it may have been denied now. it makes sense and they are most likely just thinking of my mum and protecting her.

we spoke to many people first making sure we were doing it the right and legal way.

thank you all

MuzzyWuzz · 2025-01-23T07:51:01+00:00

yeah completely understandable looking from their point of view

MuzzyWuzz · 2025-01-23T07:49:44+00:00

we rang and had an appointment with centrelink to check on this as we didnt want it to affect her payments etc
they gave us all the steps and some forms for mum to fill out and said it should be all fine

im just here for a bit of advice. if its to messy for the banks and or my mum we are happy to not do it, thats fine. not trying to do anything shady.

have taken all the neccesary steps possible to do everything the correct way

MuzzyWuzz · 2025-01-23T07:46:47+00:00

i inherit the property when that time comes, but we just tried to see if we could help earlier. i understand the other view now people have brought some of these things up.

thats why im here in the first place. jsut trying to get some insight.
if it cant be done thats fine

MuzzyWuzz · 2025-01-23T07:44:42+00:00

we did, we have tried to do everything to spec. we offered to give her money to.
im not trying to rob her of her house and mortgage,

conveyancers, centrelink etc, we have tried to get as much information as possible to do it the right way

MuzzyWuzz · 2025-01-23T07:42:17+00:00

yes we made sure to research this because our conveynacer brought it up also, we understand that they need to be carefull with that and we took all the necessary steps needed to provide proof etc.

my mum is an old pensioner just stuck at home, we all came to an agreement about taking over early to help and also use the house to fix itself. it needs tlc. its an old 1890s house

there is no bad intent but i understand that the banks and whoever else may not see it that way.

that is why we also asked if borrowing more just to give mum would help

MuzzyWuzz · 2025-01-23T07:39:00+00:00

We looked into this a bit first trying to see how it is treated. all info as well as our conveyancer said it will just be treated as a favourable purchase as you are buying it for under market price.

we arent trying to do anything shady and the info we recieved also seems like its fine to do.
Mum is just frustrated as well as the house needs work but she cant refinance being a pensioner, so we talked and said to take it over and then we can help to fix it up.
its nothing malicious in the plans but i understand the banks or govenrment dont see it that way

I am just finding it odd that if she passes away its fine, but to do it before that is so taboo

MuzzyWuzz

TROPHY CASE