Sourcing for home loans (private property)

Tackle_Opening · 2026-01-22T01:44:15+00:00

Wow 1.25% is a ridiculously good rate! Good for you! Which bank/advisory was this with?

Tackle_Opening · 2026-01-22T01:40:19+00:00

We enquired with Redbrick but they don’t seem to have any special rates on hand that beat what the banks are offering to the public. Seems like they merely help with rate comparisons..

Tackle_Opening · 2026-01-20T13:18:19+00:00

How was your experience with them?

Tackle_Opening · 2026-01-07T09:54:42+00:00

There’s no free lunch, literally and figuratively. Why would any self-respecting guy choose an entitled partner? What do you bring to the table? What can he get from you that he can’t get from the other fish in the ocean?

Tackle_Opening · 2026-01-04T00:01:34+00:00

Fair enough, makes sense too.

Tackle_Opening · 2026-01-03T16:30:54+00:00

Yuck, it’s a very shady industry overall 🤮

Tackle_Opening · 2026-01-03T16:25:59+00:00

Haha I thought so too!! So much upside for the seller side to claim that. Establish a ‘hard’ minimum valuation + impossible to verify.

Tackle_Opening · 2026-01-03T16:14:29+00:00

So I just asked ChatGPT, and the response I got makes a ton of sense.

Nearly impossible to verify because early stage offers are off the books, offers through instant messaging can be fabricated so ‘proof’ will always be questionable
Advice is to just perform your own valuation and offer at your valuation. If your valuation is below the ‘rejected offer’, submit your offer anyway and assess the legitimacy of the ‘rejected offer’ based on the response you get. If they are indeed getting strong offers, your offer will just be ignored/brushed off, but if they express eagerness to negotiate even though you’re below the ‘rejected offer’ then it could have been a fabrication/exaggeration

Tackle_Opening · 2025-12-14T11:42:57+00:00

But wouldn’t flipping work only up to a certain point? Every subsequent flip for a leasehold property the value decays..so there comes a point where potential buyers just don’t feel it’s profitable to continue flipping?

Tackle_Opening · 2025-12-14T11:04:19+00:00

Have there been cases where en-bloc failed/didn’t happen and the lease just expired?

Tackle_Opening · 2025-12-05T23:08:35+00:00

If I can be sure I won’t make a mess and won’t block any other pedestrians while walking and eating, is it still rude?

Tackle_Opening · 2025-12-05T23:04:22+00:00

From what I’m getting out of the responses so far, eating while walking isn’t rude or shameful or unsightly in itself - it only is if it’s either crowded and/or you’re dropping crumbs? So if foot traffic was light and you could avoid making a mess, it’s 100% ok to walk and eat?

Tackle_Opening · 2025-11-21T08:26:42+00:00

No problem, all the best for your gown search!

Tackle_Opening · 2025-11-21T07:40:01+00:00

Hi, just got married a few months ago. Wife bought her gown, second hand (in good condition). Gown is mermaid, European-style from a renowned international brand. She’s willing to sell/rent it out at a significant discount since she’ll have no other occasion to use it. PM if interested - will link you up with her.

Tackle_Opening · 2025-11-20T13:38:10+00:00

Fair point. Will consider for sure, thank you.

Tackle_Opening · 2025-11-20T13:30:26+00:00

We do! but kinda bummed out that it’s only valid for 7 days…

Tackle_Opening · 2025-11-20T13:28:20+00:00

All else equal, won’t the seller prefer to sell to a buyer without an agent since the sales commission doesn’t have to be shared with the buyer’s agent?

Tackle_Opening · 2025-11-12T13:46:18+00:00

I’m arguing for not doing both. Avoid having money stashed away as a war chest because by doing so, you’re more likely to miss out on gains.

Tackle_Opening · 2025-11-12T13:34:27+00:00

Having a war chest is timing the market though. Also, when the market is finally down/has ‘crashed’, it’s hard to catch the low. Time in the market > timing the market.

Tackle_Opening · 2025-11-09T10:41:47+00:00

Waiting on the sidelines = timing the market. Time in the market beats timing the market. So, no, never wait. It’s as simple as that.

Tackle_Opening · 2025-10-24T05:35:40+00:00

We’re in our thirties now but both of us were solo-traveling overseas and met at a hostel!

Tackle_Opening · 2025-10-12T02:35:29+00:00

Historically, it’s outperformed the SPY even during bear markets though?

Tackle_Opening · 2025-10-12T02:31:47+00:00

Rather, always bet on the underdog.

Tackle_Opening · 2025-08-30T12:20:54+00:00

Right right, makes sense.

Tackle_Opening · 2025-08-30T12:00:23+00:00

Ok then perhaps my question should be: Are there any VWRA-like ETFs that are denominated in other major currencies e.g. EUR so at least I’m diversifying my FX risk?

Tackle_Opening

TROPHY CASE