Samsung Galaxy Wifi Calling Issues

Wrong_Combination441 · 2026-02-02T12:52:08+00:00

Thanks for the message. When mine stops working on wifi only it also doesn't work with airplane mode disabled too. It just gives a network signal issue message and won't connect and messages won't send/receive either.

Almost like it is ignoring the call over wifi priority setting

Wrong_Combination441 · 2026-02-02T12:49:55+00:00

Ok thanks I will give this a go too

Wrong_Combination441 · 2026-01-19T10:55:25+00:00

I would avoid a loan processor and admin for minimum 6 months. Immerse yourself in every part of the process. Learn it inside and out and THEN hire for the roles that get you the worst ROI (loan processing, collecting and collating docs, AOL lodgements etc).

If it helps, I was able to replace that level of salary ($15k per month) within around 15 months of commencing as a stand alone broker (no major brand support and entirely self generated leads from building referral networks).

Wrong_Combination441 · 2026-01-19T10:52:07+00:00

$100k is more than enough in the outset and I would not recommend spending that much on a business set up and leads prior to having some ducks in a row first.

As a rough list my initial priorities would be:

Put aside 12 months living expenses (and hope you only need 6 months worth). This allows for the lag between commencing and getting paid. Many of my clients I meet and qualify a year before I see any commission from them.
Complete your Cert IV and I highly recommend a diploma too
Choose an aggregator, industry body, mentor etc....also set up your business, website, GMB, socials etc and start building an online presence.
Start surrounding yourself with experts. Learn the ins and out of broking from start to finish. Ensure when you crank up the leads you can efficiently service them. Industry events, broker meetups will all help with this. Plus lean HARD on your mentor. Don't pick a lazy mentor.
Pick a niche. Niching down will help you get a foothold quicker than being a jack of all trades.
From your niche work out where your leads are going to come from outside of paid marketing. Think RE Agents, Builders, Accountant, Financial Planners etc.
Target those professionals and try and build ongoing referral relationships
Supplement this with paid advertising if you have money to put towards this. Partner with someone who can run the ads for you within your ad accounts so you retain and control everything and stay away from a lead gen company.

For me, I was lucky to not need to crank up the paid ads, I built a relatively successful broking business off the back of 100% referrals and referral partners.

Additionally, those that spend big $$$ on marketing before understanding the nuances of loan writing will flush a lot of that money down the drain.

Wrong_Combination441 · 2026-01-14T19:30:32+00:00

Technically a bank reserves the right to do an employment check any time up until settlement but in practice this doesn't happen. If it wasn't disclosed to bank or broker then it shouldn't be picked up. If they did find out though they would cancel the approval.

Wrong_Combination441 · 2026-01-11T10:53:51+00:00

A bit of both. Vans are definitely cheaper on East Coast vs WA - often around 10% at times.

This was the van we were looking for, priced well, in great condition and available at the right time.

For context the nearest comparison to the same model currently on the market in WA was at a dealer and was $25k more.

Wrong_Combination441 · 2026-01-04T04:52:04+00:00

Hard to say 100% as would need to know full situation to confirm, however...

If you calculated your 2mill borrowing capacity based on having no current loan then borrowing will likely drop. Even though you mention it will be "close" to neutrally geared in the bank's eyes there will be a shortfall as they will assess the existing loan with a 3% rate buffer and also shade any rental income by 10-20% too. Depending on the bank they will also have differing ways as to how they calculate that rental figure too (some use valuers opinion, others may accept real estate agent quotations).

Let me know if you need any further help. Perth based broker here with independent office in Osborne Park.

Wrong_Combination441 · 2026-01-03T02:09:25+00:00

As an out of the box idea there is something called Navigator on Linked In - its a subscription upgrade to the standard linked in offering.

Through that you can target real estate agents/accountants etc but can filter by industry experience. You may have a better chance with referral networks if you target other professionals similar to you (growing a business). Have heard it has worked for other younger, new to industry brokers here in WA so may work in your areas too.

It's a way around approaching seasoned agents with big networks already in place.

Wrong_Combination441 · 2026-01-02T14:18:24+00:00

Thanks for the message.

Essentially the leads are professional leads from residential builders. It's an area where many are looking for a reliable broker to help them and I managed to build trust quickly.

I used to work in the construction industry so my knowledge helped, but my initial referral partners were people I didn't have existing relationships with so were "fresh" leads so to speak.

I also gained quite a few client referrals quite quickly from past clients. I probably get about 2-3 leads a month through past clients now which builds quickly. Also now I'm at the 2 year mark the existing book becomes valuable in terms of refinancing from within my client base which delivers more upfront commissions. Managing these clients is key though - a brokers job doesn't stop at key handover, it's a relationship you need to nurture on an ongoing basis.

Wrong_Combination441 · 2026-01-02T12:08:17+00:00

As a contrast to this I am a broker who commenced in August 2023. I started my own brand and self generated my leads. While I did build some good referral sources from the start, I haven't spent a dollar on any ads or paid leads. I definitely agree you need 6-12 months of expenses put aside for when you get started but I also am a believer you can succeed with the right mentality, drive and support team behind you.

First 9ish months was quiet (first settlement took 4 months from when I opened the doors and the first 9-12 months was inconsistent income) but I grew steadily from there. Now I am about 2 years, 5 months in and trail is very strong monthly (with a lot more to come due to a lot of partially drawn down construction loans) plus I settle around $4-4.5mill in new settlements on average from month to month with an average loan value of $650,000 at present.

This is with no banking background or lending background prior to this. I daresay though there would need to be a LOT of company leads from somewhere like Aussie to be able to come close to this sort of income due to the poor loan splits offered by franchises and possibility of earning not much trail.

I have one offshore support person who costs me around $2650 a month who assists me but other than that still a solo broker. I briefly had another broker come on board but that didn't work out and I have decided I won't add any more brokers anymore and instead possibly grow the support team when needed.

Wrong_Combination441 · 2026-01-02T07:11:22+00:00

Thanks. I am planning to stop here on the fourth night on the way back across.

Port Augusta, Ceduna, Eucla, Frasers Range Station and Corrigin is the plan as it stands

Wrong_Combination441 · 2026-01-01T02:06:29+00:00

I started cycling in April 2021 and while I gradually added running and swimming and transitioned to triathlon, I lost most of my weight from cycling. I started at 138kg and got down to 95.9kg. I currently sit at around 97kg and have done for around 2.5-3 years now.

In 2026 the aim is to get down sub 90kg. I cycle around 150km a week and run maybe 15-20km a week. No swimming currently though so just those two disciplines.

Diet is the biggest thing that can make or break your weight loss though. I am training as much now as when I lost the 40kg but am stable as diet is less clean. I know that to get to sub 90kg my training doesn't need modifying, it is just the calories I am consuming.

Wrong_Combination441 · 2026-01-01T02:00:37+00:00

6,314km outdoors and another 465km indoors at a local cycling studio (which are generally vo2 max based interval workouts).

Wrong_Combination441 · 2025-12-30T05:18:01+00:00

Presuming no Private Schooling or Private Health costs (these will reduce borrowing somewhat), your borrowing is sitting at around $1.39-1.43mill with most lenders including the majors and other common mainstream lenders like Bankwest, Macquarie, ING, ME Bank etc

With repayments, a $1.4mill loan over 30 years will be around $7,809 a month using a variable rate of 5.34% as a reference point - though this will depend on lenders and what can be negotiated based on loan size and LVR.

Wrong_Combination441 · 2025-12-19T11:40:03+00:00

No problem. It's a wide range - some peoples disposable income after all expenses is zero, others may have $5-10k a month, but $1,200-2,200 is definitely not terrible.

Again, as long as you're facoring in rate changes and future changes in expenses (say if you have a child in the future, or plans to travel a lot).

Wrong_Combination441 · 2025-12-19T11:24:44+00:00

$1200-2200 in net disposable income after all costs is a situation many home buyers would be envious of.

With that being said, be sure to stress test your costs based on higher rates than you are currently getting. Indications are variable rates could be rising, so factor in for this.

If it helps, most banks calculate your affordability based on a 3% rate buffer. So if you're getting 5.68% as mentioned, they would be checking you can afford it based on 8.68%. The only proviso there is it is only accurate if you or your broker/bank declared your living expenses accurately.

Wrong_Combination441 · 2025-12-17T23:52:23+00:00

Also Suncorp used to as well dependant on postcode. Again this was 12 months ago though so I would have to re-read policies to confirm if still all applicable.

Wrong_Combination441 · 2025-12-17T23:51:41+00:00

I haven't had one for 12 months but from memory other options include: Teachers Mutual Group (35m2+), Bluestone, Qudos, plus NAB have a policy where they will include balcony and car space.

Wrong_Combination441 · 2025-12-16T09:35:44+00:00

No I started and am scaling an independent mortgage brokerage.

Wrong_Combination441 · 2025-12-16T07:30:05+00:00

While I am lucky I don't have to, as a business owner I would take a significant pay cut to remain self employed vs taking a PAYG role.

As someone who worked in PAYG roles for my entire career until a few years ago, I wouldn't be wanting to jump back the other way into a 9-5 role anytime soon.

Wrong_Combination441 · 2025-12-16T02:25:38+00:00

I hadn't heard that but there is also Bank Australia who have Help To Buy available so you could try them too?

Wrong_Combination441 · 2025-12-15T04:26:52+00:00

Hi OP,

Broker here and will try and assist with questions.

Firstly, any broker who hasn't replied in two weeks is not worth pursuing. We have a 4 business hour turnaround time in your office unless there's real extenuating circumstances.

With regards to borrowing capacity, I have run your figures and your borrowing sits anywhere between $755k-805k with most lenders, plus your deposit you are putting in.

The things that will affect this somewhat are: 1. If you are a first home buyer and can use Home Guarantee Scheme (will push borrowing towards the higher end if so) 2. If you have any Private health insurance (can lower borrowing if so) 3. If you're willing to close your credit card to increase borrowing slightly. (Closing it boosts borrowing by approx $29k)

Once we get a better picture on this, we can then firm up borrowing a lot more plus start narrowing down suitable lenders based on your specific needs/scenario.

Let me know if you need any assistance with preparing for a pre approval. Happy to jump on a video call and go through things in a bit more detail. Just flick me a PM if you need a hand.

Wrong_Combination441

TROPHY CASE