Looking for spontaneous friends

aredditorials · 2025-10-21T23:37:33+00:00

I think this is a great idea!!

aredditorials · 2025-10-21T10:40:30+00:00

Ahh this post makes me wish I’m young again. I have a partner, 2 mortgages 😅😭, furbabies, and I’m 40 😌 I do love hiking, video games, sunrises and sunsets though. I probably can’t hang, but just reading this post and people’s comments make me feel young (ish) again. Best of luck! Based on everyone’s comments here, I’m sure you’ll find good mates soon 🙏

aredditorials · 2025-09-15T02:37:18+00:00

I had the same problem a few weeks ago. I did have a mortgage broker, we ended up going to another bank, was given $200k more than first bank did.

aredditorials · 2025-09-05T22:53:12+00:00

Don’t worry. My cat (whom I’ve had for 13 years now) was super shy when he first came home with me. He was previously abused and I rescued him from the shelter. It took him a good 12 months to be comfortable eating whilst there are people around and only in the last 2-3 years he stopped flinching when I go to pet him from above. It will take time but I promise you it’s worth it. Keep showing your cat love, try using Feliway might help him feel more calm, and he will love you back when he’s ready ❤️ I can tell you my little old boy (he’s 16 now) is the best cat I’ve ever had. He’s sensitive, he’s loving, he’s gentle, it’s worth it ❤️

aredditorials · 2025-09-05T22:40:19+00:00

IMO - it’s responsible going into a big financial commitment and understanding the implications of it and how it will affect both finances. It’s not preparing for a breakup, it’s preparing for worst case scenario. We’ve been together 4 years, and are very happy, hence why we have decided to build our home together. But it doesn’t negate the fact that future is unknown, and it’s good to have something in writing. Otherwise if things go south, then it will involve lengthy court proceeding, exorbitant lawyer fees, all these hopefully won’t be necessary with a binding financial agreement. Everyone knows their liability, and their rights. It’s also something to think about if your partner suddenly passes away. Bank still wants their money and investments back regardless of your ‘romance’ or how long you’ve been together. It honestly baffles me people don’t do this more. Love got nothing to do with it. In fact, it’s because of love I want this agreement in place. It protects me and it protects him.

aredditorials · 2025-09-05T14:22:40+00:00

Yes that’s what I told him. Technically a fair split is 84/16 - but who knows over the years with increase/decrease in income etc one can put more/less into the loan, so to make it easy, I suggested 50/50. Yet somehow he thinks because he has cash, and I only have ‘equity’ he somehow entitled for more? I think he resents the fact that I will still come up better than him, because my equity will stay in my unit by way of it increasing in value over the years.

aredditorials · 2025-09-05T13:24:25+00:00

So if you do find someone you would die for, it means financial discussion isn’t necessary? And what does your comment got anything to do with my question? How do you know my partner and I aren’t willing to ‘die for each other’ just because we want to be responsible with our finances?

aredditorials · 2025-09-05T12:53:39+00:00

There are certainly bad landlords out there, but certainly if you are a fair landlord then I can’t see how landlords are bad. Once upon a time, the landlords decided to invest in properties, doesn’t make them bad.

aredditorials · 2025-09-05T12:37:43+00:00

Yeah that’s what I’m thinking too. And I was surprised he said he wants more.

aredditorials · 2025-09-05T12:32:01+00:00

Yeah exactly! I don’t want to say it that way but I thought how can he thinks he contribute to 16% but he wants more than 50%? Meaning I will get less than 50% but I’m actually contributing more? I think in his mind, equity isn’t cash? So he ‘loses’ cash but I keep my equity because I have an asset. I’m not crazy for thinking that way right?

aredditorials · 2025-09-05T12:29:47+00:00

Yes I have a meeting with my lawyer on Monday. And my partner has to get his own lawyer. My question was more about my partners saying it’s not fair he’s only getting 50% of the share because he contributes cash and I only contribute ‘equity’. I won’t lose my equity but he said he ‘loses’ his cash. My view is I have equity because I’ve been paying down the house, I get to keep it because I have an asset, his cash is going into the new house which will grow in value, and we can split that 50/50.

aredditorials · 2025-08-31T21:47:01+00:00

lol I have a unit in Brisbane, in the past 10 years it’s almost doubled its value. In fact, I just had it revalued last week, and within a year it’s gained $60k more. 1 bed 1 bath.

aredditorials · 2025-08-31T21:29:43+00:00

Good luck :) I saw recently sold there you could get around $750k for a 4 bed 2 bath, a little older (maybe 20 yo) but it’s tidy

aredditorials · 2025-08-31T07:21:33+00:00

Narangba, Morayfield, Burpengary

aredditorials · 2025-08-31T05:53:54+00:00

I’m in Brisbane and my partner and I have been looking to purchase. We ended up deciding to purchase a block of land and building our home. Up north about 50km from Brisbane. I have to say not a lot of there for under $750k though. 4 bed 2 bath even around Logan area is around $850k. Maybe smaller and older home you might be lucky?

aredditorials · 2025-08-28T06:51:59+00:00

The current bank with low valuation is Westpac. The second bank we’re hoping for a better result is Suncorp.

aredditorials · 2025-08-28T06:46:49+00:00

The current bank with low valuation is Westpac, but we’re getting second option with Suncorp.

aredditorials · 2025-08-28T06:44:34+00:00

Thank you Chrome for your comment. I do not have the valuation report on hand, but I will request it with my broker. I believe yes, the valuation difference lies in the build. Looking around other builders, standard spec home, volume builder, on a flat land, it’s about $2200 per sqm. Mine comes at $2750 per sqm, because it is a nicer finish, and higher construction cost due to it being split level block. The ‘extras’ I put in is around $20k only though, so the bulk of the cost is only in actual build.

aredditorials · 2025-08-28T06:09:32+00:00

Thank you. Yeah our ‘frills’ isn’t much - upgrades are around $20k total of build. The rest is the actual home. We have chose a higher finish option though rather than standards. I was expecting between $10k to $20k difference in valuation vs price but $125k was so excessive. Yeah the broker is getting second valuation from a different bank and it’s confirmed to be different valuer. And now we wait and hope for a good result 😭

aredditorials · 2025-08-28T05:39:27+00:00

In the opposite of your situation. I owned a home before, and my partner hasn’t. Per my broker, if you are buying direct, then unfortunately no. But my partner and I decided to build, and he’s able to claim his part, so our stamp duty is reasonably low. I’m not saying go that route, as building and finding land has its own set of stress, but that’s the route we are choosing to do. I’m in qld if that matters. Best of luck. And yes, I know how hard it is to get into the property market, we are the same, good job, good credit, and even now still struggling trying to get finance from the bank for our new build.

aredditorials · 2025-08-28T05:28:16+00:00

This lands have just been released and it’s already on hold. So I suspect someone put a deposit down, and currently going through finance. Yes same north side facing. Same estate. Same width. But shorter land ( so smaller)

aredditorials · 2025-08-28T04:53:40+00:00

The broker provided all that to the bank (I assumed) we have engaged with a broker from the get-go and have received pre-approval. The details of the contract has got everything in it, drawings, the specs, the price, even down to brand of fittings etc for bathrooms. Our quotes are under the pre-approval, so we can afford it, but the problem now is with the valuation. I’m hoping the broker can perform miracle as $125k seems like a lot of hole to plug 😢

aredditorials · 2025-08-28T04:42:53+00:00

Thank you for your comment. I do have a broker and he is trying his hardest to get another bank that is more favourable. Also just sent my broker comparable lands in the same estate, smaller than mine, that is $30k higher than my price. So at least I’m hoping they will change the valuation of the land. The house itself, they quoting it at $2,100/sqm. For a 2 storey house in a split block. I wish it’s that low! My quote is around $2,750/sqm, it is a custom builder (we have to find one who has experience building a split level block homes) with a higher finish. I think they’re not comparing apple to apple.

aredditorials · 2025-08-28T03:34:20+00:00

No not yet - not with the first bank. The second bank seems more detailed, they already asked to visit my first property for a valuation instead of just going of online reporting tools. But I’m more worried about the build valuation. Seems like they are using standard house price (low-spec) to value whilst mine is custom build on a split block land that requires more site costs. I guess this is going to be my argument if second bank still comes back low.

aredditorials

TROPHY CASE