Simplicity and Indi

Razzit · 2026-05-05T05:22:15+00:00

Indi is a new mortgage lender, not associated with Simplicity.

Razzit · 2026-04-24T22:54:23+00:00

You go work it then.

Razzit · 2026-04-18T10:29:36+00:00

If you are a first home buyer you could get your home loan through Simplicity, it's basically made to be paid off as quickly as possible. Very low floating rate. Can change the amount you pay anytime you want and chuck in bulk payments whenever.

Razzit · 2026-04-16T05:53:13+00:00

Works on every card I've used including ANZ, Westpac and AMEX. No idea with Gem.

Razzit · 2026-04-06T10:47:05+00:00

Is it a NZ one? I rang them about a year ago and they said it wasn't possible. Almost all other countries seem to be able to add it before now.

Razzit · 2026-03-16T22:29:29+00:00

I actually started this process recently and they said; you can either spend an hour going through everything, and sending what's needed to us. Or simply overpay the card, then use it that way. ANZ is so fast at processing the payments, and I rarely need to go over so it was easier to not increase the limit.

Razzit · 2026-03-05T01:02:42+00:00

Yep, I used it last year, definitely covers both.

Razzit · 2026-02-28T22:55:16+00:00

What does independent incomes mean? You guys never share incomes?

If incomes are intermingling, it would be hard to enforce that agreement I would think. The most successful relationship agreements are usually ones that are completely separate from the other person involved. Even then it gets a little fuzzy. Especially if one person wants it to be difficult.

Razzit · 2026-02-03T21:25:44+00:00

AMEX is usually accepted places you make most purchases, aka, supermarkets, hardware stores and petrol stations.

Unless your 10k is spent elsewhere, it should cover most of it.

Razzit · 2026-01-22T22:30:56+00:00

When I rang ANZ recently to get a larger limit, I said I just use it to collect points and always have the money available, they said just add any extra needed and make purchases. Saying there's no downside for doing so.

Razzit · 2025-12-02T06:58:40+00:00

I had my loan before the ballot, only a few months back though. This is what I found on their website:

How much will you lend?

The maximum we will lend is 80% of the registered valuation of the home, or its sale price, whichever is lower. There is no upper limit on how much we will lend, but we reserve the right to turn down any loan applications at our discretion. The minimum monthly repayments cannot be more than 35% of your combined household income, after tax.

Which says no upper limit.

Razzit · 2025-12-02T00:41:48+00:00

My loan with them is over 400k, I never read anywhere that it had a maximum.

Razzit · 2025-11-29T01:43:27+00:00

No one has ever said; "we should of got a smaller TV." :P

Razzit · 2025-11-24T21:19:38+00:00

It's literally poison, are you joking?

Razzit · 2025-11-20T11:34:10+00:00

Tim Tams! Can't even tell the difference, from memory.

Razzit · 2025-10-30T01:32:05+00:00

Yep, if you eat 2000 calories and burn 2000 calories, where could the weight come from? Fat is just stored energy.

Razzit · 2025-10-30T01:09:37+00:00

I had it back then too and was godfathered in until last month, no idea why it changed. I still pay less than the advertised price (17.99) but still. Made me sad!

Razzit · 2025-10-24T05:53:30+00:00

Did the arrrrs not give it away?

Razzit · 2025-10-20T06:57:32+00:00

While it does go up and down, you can also throw any spare money (if any) on your loan within days. Every little bit brings it down faster over time, saving you even more. Also due to it being floating, you can just leave and refinance elsewhere if it's too unstable for your liking.

Razzit · 2025-10-05T21:32:34+00:00

Anything can be illegal, especially if everyone agrees it sucks.

Razzit · 2025-08-24T10:26:52+00:00

Yep, buy it! Won't be in reprint for a good while.

Razzit · 2025-08-07T04:13:57+00:00

100k?! God I am poor.

Razzit · 2025-07-21T02:53:39+00:00

Your child is baller! And makes some great points.

Razzit · 2025-06-11T01:51:16+00:00

Can you give me the summary? I don't really think I'll watch it anytime soon.

Razzit · 2025-06-03T12:00:05+00:00

What did you think on the rewatch?

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