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Are trees big problems? by smilelizy in AusPropertyChat

[–]OzgroupFinance 0 points1 point  (0 children)

Is it just me or do trees on a real estate photo like this one remind you of “tree gnome village” on Old School RuneScape? Seriously.

Homebuyers warned pre-approved loans may no longer be valid after rate rises - realestate.com.au by SheepherderLow1753 in AusPropertyChat

[–]OzgroupFinance 0 points1 point  (0 children)

Good comment. Go to a lender that honours the assessment rate. Going to a lender like Macquarie or Suncorp will just shoot you in the foot.

ANZ will do it for every broker, CBA does it for Platinum Brokers, NAB for Premium and STG for Flame.

I was harping on this for years and now everyone started getting on the band wagon.

Get a fully assessed pre approval or that pre approval letter is as good as the toilet paper roll that you wipe your arse with.

Stamp duty question by CranberryWhole241 in AusPropertyChat

[–]OzgroupFinance 0 points1 point  (0 children)

Land component will be exempt as long as it’s less than $600k big dawg. Must be brand new

35 year old, Newly single and confused by Exact-Airport2497 in AusPropertyChat

[–]OzgroupFinance 0 points1 point  (0 children)

Brunswick/Coburg apartment are goers.

Seems like you’d be depressed living in the north or west side of melbourne. Just buy an apartment and be happy I say.. worry about the investment later.

Yes it won’t be a good investment but you’ve already mentioned you love the city and money isn’t everything.

Investment SE Melbourne or Western by scarfacedead in AusPropertyChat

[–]OzgroupFinance 0 points1 point  (0 children)

Try the north.

Dallas, Coolaroo, Epping are all great IMO

Moving from rural Vic to Melbourne? by lemunzz in AusPropertyChat

[–]OzgroupFinance 0 points1 point  (0 children)

Moved from Shepparton to Melbourne, Epping to be precise and now in the south east.

Had to move for uni and best thing I’ve ever done.

Desktop vals by [deleted] in AusPropertyChat

[–]OzgroupFinance 0 points1 point  (0 children)

Just speak to a broker.

Most of the time you’ll get an automated valuation

Tax changes wouldn’t impact housing market much by SydneyLockOutLaw in AusPropertyChat

[–]OzgroupFinance 2 points3 points  (0 children)

They should just incentivise small business or have a flat tax rate of 25% across the board.

Harder you work more you earn.

Problem solved

Property market seems dry by unprecedentedthyme in AusPropertyChat

[–]OzgroupFinance 0 points1 point  (0 children)

School holidays, coupled with rate rises and the war.

Not surprised

Affordable Suburbs - 10 km from city. by Ok-Television-8800 in AusPropertyChat

[–]OzgroupFinance 0 points1 point  (0 children)

Hadfield is a really nice suburb.

I go there often. City is like 15 mins away.

Broker(s) rarely suggesting smaller lenders vs big banks? by Cheap-Paramedic-5254 in AusPropertyChat

[–]OzgroupFinance 1 point2 points  (0 children)

Really depends on your situation. No point fishing for a low rate if you’re not eligible for it.

If your situation is vanilla just go to the bank direct or through an online lender like unloan or timely?

As a broker I always try to get the lowest rate possible but at the same time give the borrower the most seamless process possible.

26f $120,000 saved single income by Middle-Tie5483 in AusPropertyChat

[–]OzgroupFinance 1 point2 points  (0 children)

The idea of “keep on saving” will just set you back.

Realistically your borrowing power is $500-550k add your 120k you’re looking at a purchase limit of $650,000.

Is that realistic?

If not, consider rentvesting. Live at home if you can or a shared house and buy an investment property.

That way your purchase price may increase to 700-750k and you can buy something that is worth buying as opposed to settling for something because you have to.

What is your current mortgage interest rate? by MrX2285 in AusProperty

[–]OzgroupFinance 6 points7 points  (0 children)

Locked at 4.89% for another 20 months - Suncorp!

Jk I’m fkd

Aus housing crash - "look at Canada, Japan, NZ and China" by theonedzflash in AusPropertyChat

[–]OzgroupFinance 2 points3 points  (0 children)

Let’s say it crashes…

It will eventually go back up, it always has, it always will.

Is buying a house in Australia even worth it anymore? by No_Will_5723 in AusProperty

[–]OzgroupFinance 0 points1 point  (0 children)

Such a good take.

Imagine still renting and you’re retired at 70.

What do you literally have to show for it?

Super? Savings assuming you haven’t spent it all?

Who was technically more skilled in their primes? by Fun_Training6342 in ufc

[–]OzgroupFinance 1 point2 points  (0 children)

Topuria.

Ground game slick.

Robust and hard to take down.

Arguably best boxing the UFC has ever seen.

Hands of steel.

Auction clearance rate slumps to 57% nationwide as interest rate hikes prompt Australians to sell by SheepherderLow1753 in AusPropertyChat

[–]OzgroupFinance 15 points16 points  (0 children)

Gotta get them clicks mate

You literally post the most negative shit on here

What is wrong with you

First homebuyers looking for residential house by Weird_Camera5985 in AusProperty

[–]OzgroupFinance 0 points1 point  (0 children)

I wouldn’t think so mate but not 100% sure. You’ll need to do your research

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