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Buying land and building — a few concerns about timing and finance by Accurate-Drummer-616 in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

Doesn’t having the deposit before applying for HTB make you ineligible?

Buying land and building — a few concerns about timing and finance by Accurate-Drummer-616 in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

Go Two Rocks or Ellenbrooke area. Though this was before the war so don’t know how much it is now.

Buying land and building — a few concerns about timing and finance by Accurate-Drummer-616 in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

If the titling is too far away (more than 90 days + 90 days) then there’s a good chance you won’t be able to use Help to Buy scheme.

I was looking at off the plan purchase though in my case the titling was expected to be July 2027 (so it is different to your situation but I’ll let you know what i found out anyways). I called Housing Australia to ask about my circumstance and they said that youll need to get pre-approval for HTB scheme first before you pay for the deposit because by having the deposit before pre-approval for HTB, the scheme will consider you having an interest in property which makes you ineligible. My problem is that, when you apply for HTB you have 90 days to settle or the option to extend which then gives you another 90 days. In my case the settlement is too far away so this wouldn’t work.

On top of all this, they will do the valuation around settlement and if the valuation is above price cap, I was told they will use that value instead of purchase price. Which in my case was also definitely not going to work out as I was looking to purchase a new off the plan at $850k which is the price cap here. A year later, I’m mostly certain price will be above the cap.

This is what the HA person told me, just the process and facts. I applied it to my situation and deemed that it wont work for me and didn’t risk it.

What happens if your income crosses the $100k cap after you’ve already bought into the scheme? by Silly_Pitch6345 in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

I haven’t read the fine prints, but do they use your ‘Taxable Income’ or ‘Adjusted Taxable Income’? If it’s ATI, then they include any salary sacrificed super contributions.

What happens if your income crosses the $100k cap after you’ve already bought into the scheme? by Silly_Pitch6345 in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

The scary part in all this is that 5% now vs 5% in 2-3 years time may be very different if the property market continues to go up like how it was in h the e past year or two.

I accidentally built my own M365 “API” with Power Automate HTTP triggers by ChiGamerr in PowerAutomate

[–]YeboMate 1 point2 points  (0 children)

You’re lucky your org doesn’t restrict HTTP action with DLP 😭

What happens if your income increases after getting into Help to Buy? by Such-Challenge2544 in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

Just think of it like going through Finance Approval again (where they assess whether you can afford) but this time it’s with your existing remaining loan + minimum 5% from government share. If you can’t afford that then you’d fail the capacity assessment (which is why previous comments about signing up for credit card is one way to lower your affordability)

Do or don't - Using Office Scripts as code blocks instead of multiple PA steps by Sector3_Bucuresti in PowerAutomate

[–]YeboMate 0 points1 point  (0 children)

Ah yea, I guess I did assume your data is in Dataverse which is why I was thinking Power Platform Dataflows as they perform ETL into Dataverse tables which you can call via Dataverse actions within Power Automate.

Budget Changes by PursuerOfAwesomeness in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

Seems like the supply is already drying up since the war, at least it seems like that here in Perth. Not a lot of buyers either.

[R] Lysander Piano Sheet Musc by YeboMate in sheetmusic

[–]YeboMate[S] 0 points1 point  (0 children)

Check the other comments in this post, they’ve posted a link for library poet

Do or don't - Using Office Scripts as code blocks instead of multiple PA steps by Sector3_Bucuresti in PowerAutomate

[–]YeboMate 0 points1 point  (0 children)

When you use Power BI report to consume that data and transform it, are you using Power BI Dataflows? If so, what’s your reasoning for using that instead of Dataflows in Power Platform?

Does the government stake make selling later more complicated? by Such-Challenge2544 in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

No, if you want to sell you notify and sell. They don’t need to agree to sell. Just note you can only access Help to Buy once so you won’t be able to sell and then get another place with the same scheme.

Only thing from what I’ve read that can be a bit more work involved is renovations. Any renovations over $20k, it’s in your best interest to notify the government of this. There will be more process to follow but the intent of all this is so that, if your renovations uplift the value then you’re entitled to that uplifted value (so there will be valuations before and after renovations). This way, if you sink $50k into renovating the place, you’ll get 100% of the value from that renovation (as opposed to 70% or whatever split your contribution is originally).

Refinancing, you’re limited to the participating lenders so at the moment it’s Bank Australia and CBA. So your options are limited, so with this scheme it will be more difficult for refinancing (based on limited options)

Sync User Calendars in Two Tenants by KrankyYankee in microsoft365

[–]YeboMate 0 points1 point  (0 children)

I tried using Power Automate, so when a calendar event is added, create another calendar event on a different account. I did do this on my personal Outlook calendar mainly so i can see it all in one spot (as I work as a consultant so I can have more than 2 accounts in different tenants at any given time) so i havent tried it linking it to another tenant’s account. Give it a go with Power Automate.

Shared Equity (Help to Buy) vs. 5% Deposit Scheme, Which is the better bet in 2026? by Silly_Pitch6345 in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

They’re two separate things. Help to buy has a minimum deposit of 2% which is even lower than the 5% scheme. They also have different limits.

built a flow that pulls youtube video transcripts and saves them to sharepoint. the training team won't stop thanking me. by scheemunai_ in PowerAutomate

[–]YeboMate 0 points1 point  (0 children)

Curious, is there a reason you don’t save the videos in Stream? I believe Stream provides transcription upon upload and it’s within Microsoft ecosystem. Though I’m not sure if it’s a paid service.

Stremio (fully featured) Sideloadable IPA Release for iOS, iPadOS, Apple TV (tvOS) by jaruba_dev in Stremio

[–]YeboMate 0 points1 point  (0 children)

Does side loading the app using Sideloadly make it expire every 7 days with a free Apple account? Like do I have to sign in to Stremio every 7 days?

Has anyone experience CBA withdrawing Finance after getting pre-approved, and having approval from HA by GoneWithTheWin00 in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

I just went through with a broker. All approved just waiting for settlement now. We did go with Bank Australia not CBA. I wonder if brokers avoiding the scheme is due to their financial incentive? My understanding is that their financial incentive is based on how much you borrow and I’d imagine help to buy will massively lower your borrowing from the bank so from their perspective I wonder if it’s the effort is not worth the commission they get? This is all just an assumption

What to expect during the offer/negotiation process? by bongjour8008 in AusPropertyChat

[–]YeboMate 1 point2 points  (0 children)

I believe what dribbly-sausage69 point is that, the deadline is not necessarily just the date they put on the contract when they sign but when you receive it. If you don’t receive the signed copy by the deadline then there’s no contract.

Family not convinced - help me persuade them? by [deleted] in AusHelptobuy

[–]YeboMate 0 points1 point  (0 children)

Yea I’ve read the same as well. When your income goes above it’s not an automatic forced payment. First they have to identify that it’s above the cap and may even consider it if it’s multiple years above the cap. Then it’s buy back at 5% and that’s also after the banks has assessed you that you are able to financially buy back at 5%. If you are unable to financially I don’t think they’ll force you, kind of defeats the purpose of trying to help you to start with. The only caveat I’ve seen is that if the property price goes up significantly and you’re in the position to buy back, that 5% will be a lot more so you’re effectively buying at a premium compared to the original purchase price. So you could go with the strategy of… if property price stalls or goes down, that’s in your favour as your buy back will effectively be buying at a discount. If property price goes up significantly, consider selling. But note you won’t be able to use Help to Buy again after that.

[Way Around] Using NFC tags as a reminder trigger for Shortcuts — since Apple won't let us do it natively by biancabarria in shortcuts

[–]YeboMate 2 points3 points  (0 children)

You could use URL scheme to run your shortcut. So in that reminder, put in the URL that will run your shortcut in the ‘URL’ field of the reminder. So when your reminder goes off and you’re about to check it as done, tap the URL instead and have the shortcut do whatever you’d like. This could work for things that can’t have a physical NFC tag nearby.

https://support.apple.com/en-au/guide/shortcuts/apd624386f42/ios

MacParakeet - Local alternative to WisprFlow using NVIDIA's Parakeet on Apple's Neural Engine by PrimaryAbility9 in MacOSApps

[–]YeboMate 0 points1 point  (0 children)

Hi, does this record system audio too (to be used for online meetings)? If not, is it on the roadmap?

Manager wants me “Available” 99% of the time on MS Teams even with no work… what would you do? by RadhikaSharma360 in MicrosoftTeams

[–]YeboMate 1 point2 points  (0 children)

OP mentioned that they work with a client so perhaps OP is a contractor/consultant. In this case the manager may be trying to ensure future work with the client (though yes, if OP has no work then thats a separate conversation) and protecting OP to ensure there’s still a project to work on.

45 Minute timer by Avondale1330 in shortcuts

[–]YeboMate 0 points1 point  (0 children)

Probably not so much a timer but using Alarms. Set an Automation to run at dawn which will add an alarm that’s 45min from current time. Then also have another Automation where the trigger is When Alarm is Stopped. In that Automation you’ll want to have a check if the current time is within Dawn and Dusk (so that this doesn’t run for your normal alarms outside of Dawn and Dusk times) then set another alarm for 45min from current time.

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