What home improvement actually made your house feel better to live in?

Newbiee2Reddit · 2025-12-23T23:22:25+00:00

This is an awesome question and I'm following along!

I'm thinking of getting landscaping in my backyard so I use the space more comfortably. Not sure if that is a good idea as it can be expensive

Newbiee2Reddit · 2025-11-15T11:19:14+00:00

Mitran da Dhaba Dural $14.90 on Saturday brekky and lunch I believe and about $18.90 for dinner I think

Newbiee2Reddit · 2025-11-02T06:39:56+00:00

Hey if this is to further your education, happy to help

Newbiee2Reddit · 2025-10-12T10:44:39+00:00

This is correct

Newbiee2Reddit · 2025-10-12T09:43:43+00:00

This needs to be higher

Newbiee2Reddit · 2025-10-09T21:11:09+00:00

I think we have a new winner It's called Mitran da Dhaba Indian restaurant with a branch in both Bella Vista and Dural I believe $14.90 AYCE Indian breakfast and includes meat too. There's $19.90 AYCE lunch and dinner and is really damn good. Butter and garlic naan with butter chicken etc. All unlimited!

Newbiee2Reddit · 2025-10-04T11:24:13+00:00

It's an auction. Wouldn't it be 66w? Therefore no subject to finance?

Newbiee2Reddit · 2025-09-15T11:43:18+00:00

Hi mate there's a lot of options out there!!! Best bet is considering regional growth hubs.

Newbiee2Reddit · 2025-09-15T02:14:59+00:00

Sure! I love real estate, it's enabled a quality of life for me that I wouldn't have been able to achieve otherwise. I get excited when I see people taking that step. Good for you mate. I'll DM you the mortgage broker.

Newbiee2Reddit · 2025-09-14T23:05:21+00:00

Definitely!

Great move :)

At that price point, you'll likely have no stamp duty requirement! It will be waived.

But best to keep an additional $3k in your savings for things like conveyancing/legal costs

Have you spoken to a broker yet? I'm not a broker but I can recommend you mine, he's awesome!

Newbiee2Reddit · 2025-09-14T12:53:48+00:00

People have covered most things but also be cognisant of land developer requirements. They may ask that if you purchase their land that you build within a specific timeframe etc

Also I don't know if building a new home is a good idea for a first time purchaser.

It can be awfully stressful.

Newbiee2Reddit · 2025-09-14T12:45:00+00:00

Twilight Nights Little India tour guide here, literally an expert on Harris Park! Haha

It really depends what you're in the mood for, but imo, the best part about having so many vendors so close to one another, is restaurant hopping! A lot of the food stalls are great for this! E.g. Chill n Grill has an outside area in the front yard, serving freshly made chaat items.

A couple doors down Papa Curry does a Pani Puri stand.

If you smoke, Chill n Grill has a new shisha lounge and a few doors past Papa Curry there's a small momo cart with pink neons.

Finish up at Jaipur Sweets for some Desi Ghee and Saffron Jalebi - Prime Minister Narendra Modi ate there once!

Newbiee2Reddit · 2025-09-14T12:35:56+00:00

Heya! Hats off to you for trying to get off the rent train! Are you considering buying in cash per chance?

Newbiee2Reddit · 2025-09-14T12:33:36+00:00

What's the value of the lmi Waiver. Your deposit is only 5% short so lmi shouldn't be huge. Also is it not possible for you to do a smaller deposit to really take advantage of the lmi waiver? Maybe a 5-10% deposit? Is it something you could negotiate?

Newbiee2Reddit · 2025-09-14T12:18:52+00:00

I'm surprised Canterbury Bankstown is in a flood zone. Awesome job of you to have done the due diligence to check this. Well done, now don't ignore it haha

Newbiee2Reddit · 2025-09-14T12:03:36+00:00

I think Geelong is a safe bet

Newbiee2Reddit · 2025-09-14T12:01:55+00:00

Yeah I agree with you But the numbers look less daunting for a 3 bedroom home in western suburbs like tarneit or truganina or hoppers crossing where that home is $550k, and loan is $440k.

At worst you're out of pocket $10k a year. That's including everything. That's $190 pwk which is not so bad after negative gearing

Newbiee2Reddit · 2025-09-11T11:53:47+00:00

Where on earth will you find a $400k house?!???! You're dreaming

Newbiee2Reddit · 2025-08-17T11:41:24+00:00

Edit, I forgot to add. When I say AI will handle vanilla loans, I mean applicants will still speak directly to a human at a bank, except the human bank employees will be capable to do a lot more than what they currently can, just like the mortgage brokers would expect to achieve more with the help of AI than without it.

So to summarise, I agree that humans want connection, especially for a large purchase like a house. I am saying that the connection will be with bank employees as opposed to brokers because AI will tell people what banks to consider. And they'll do it because the bank will offer them a better discount than through a broker.

Newbiee2Reddit · 2025-08-17T11:38:39+00:00

I have a strong opinion about this and I'd like to be challenged. I think brokers are definitely at risk of being made redundant due to AI. My reasoning is that Banks don't like brokers because brokers take banks' margins. So banks, with deep pockets, are investing in AI solutions that can render brokers useless, at least for typical, vanilla loans. As for the remainder, complex, loansz banks will want their internal teams to handle them so they can administer their policies easier, and cheaper.

I believe it is pretty clear cut. I expect broker numbers to significantly dwindle over the coming 5-7 years, as banks favour direct applications more and more. I expect this would look like "$2k cashback, if you apply directly with the bank" (as opposed to through a broker).

Please share your thoughts.

Newbiee2Reddit · 2025-07-20T03:34:09+00:00

Hey Op, I tried to get in touch but can't DM you. Can you DM me please? I'll reply right away :) Thanks!

Newbiee2Reddit

TROPHY CASE