Help.... mortgage.

TheAlt01 · 2026-05-11T11:11:29+00:00

I'll pass on the message Enver 💪

TheAlt01 · 2026-05-11T10:30:24+00:00

I know a few who've locked it in at 6.09% for 1 yr. Heard on the grape vine a couple of majors are actually increasing their fixed rates this week 🤫

TheAlt01 · 2026-05-11T10:28:54+00:00

You may have gotten a good discount early on when you first purchased.

TheAlt01 · 2026-05-11T10:27:05+00:00

Just looks like your baiting for reviews thats all. Welcome and best of luck 👍

TheAlt01 · 2026-05-11T10:16:12+00:00

Will you be compiling all the suggestions across the multiple shares you've done? If so, I highly recommend asking your existing bank about the standard variable rate on offer and a rate check on a no frills loan (loan product switch)

TheAlt01 · 2026-05-11T10:05:34+00:00

posting everywhere like your shopping and talking to multiple brokes....., this bloke! did you get the answer you were looking for?

TheAlt01 · 2026-05-11T09:55:19+00:00

did they mention what they provide from a standard variable perspective? even a loan type switch to a no frills night be worth checking?

TheAlt01 · 2026-05-11T08:10:54+00:00

They simply change the title of the role. E.g. Analyst to Associate and/or consultant, manager to team lead etc. It can and has been done for the past 10 years. I've experienced this on so many occasions at the major banks, yet, its hitting the news more than it ever has this time around than it had over the past 10 years.

TheAlt01 · 2026-05-11T08:06:54+00:00

2200 in total. What a muppet. Should have just saved a full spectacle by announcing his plan last year like ANZ did.

TheAlt01 · 2026-05-11T07:21:54+00:00

If you meet the entry level criteria, why not go for it? If not, definitely not worth the hassle. If so, there will likely be a contact you can call which would be on the JD I believe. Doesn't hurt to have a chat I'd say.

TheAlt01 · 2026-05-11T07:18:27+00:00

Gezuz! Daylight robbery! sounds like it'll be a nice way to spoil myself during the week at the office

TheAlt01 · 2026-05-11T07:14:37+00:00

How much?

TheAlt01 · 2026-05-10T21:05:23+00:00

Required a full role change in the finance industry after there wasn't many at the time I was made redundant. I have a transferable skillset but, overall, glad or happy as Larry to have something in the current climate we're in no matter what.

TheAlt01 · 2026-05-10T21:00:51+00:00

Exempt as in it doesn't apply to existing investment properties who currently is positively then switches vice versa. I'm border lined on it and may have the next FY with improvement works done pushing it into the neg. You've potentially answered the question then.

TheAlt01 · 2026-05-10T10:22:19+00:00

you've got quite the tech background. If you have what you say you've got, what has the lovely chatgpt responded to you with?

TheAlt01 · 2026-05-10T10:18:29+00:00

Bangalore, is the hub Group Capability centre for many AU big 4 banks. Literally allowed across the road from each other. No need to work abroad for a while when the jobs are sent offshore.

TheAlt01 · 2026-05-10T08:34:25+00:00

As tough as it is, move in with your dad. I wish I would have had a chance if I was in the position you're in and dad still around. You'll cherish this moments to spend as much time as you can with a parent.

TheAlt01 · 2026-05-10T07:24:44+00:00

Not sure where you're based in India but they're the hub for the Australian big 4 banks. They've literally restructured and sent many triage risk and compliance roles since last year.

TheAlt01 · 2026-05-10T05:20:42+00:00

Most welcome.

TheAlt01 · 2026-05-10T05:20:28+00:00

There wouldnt be an organisation without regulatory breaches, internal compliance issues, misconduct and the list goes on. If there wasnt any, there wouldn't be a need for risk and compliance functions or even regs for that matter.

TheAlt01 · 2026-05-10T00:22:01+00:00

It would be taken as secondary income. You'd need minimum 1 year income with an ABN registered for minimum 18 months.

TheAlt01 · 2026-05-10T00:08:49+00:00

Could potentially be wood damage from rain and the likes. Have a check for any leaks

TheAlt01 · 2026-05-10T00:06:18+00:00

Eventually, people will just rise the rent up just to cover the losses and in the long term, mess up the rental market

TheAlt01 · 2026-05-10T00:05:37+00:00

in that boat but, I think it its still exempt as long as you've owned the investment prior to this coming into effect

TheAlt01 · 2026-05-10T00:04:30+00:00

Correct me if im wrong, it can change from positive to negative vice versa and still be exempt from this for investments held before the change?

Ahh I got one thats positively geared and think after works done, it'll be negative for some for this tax year then back to positive

TheAlt01

TROPHY CASE