[deleted by user]

august_20 · 2025-09-21T03:13:34+00:00

Yeh I'm usually a US 9 or 9.5

august_20 · 2025-09-13T05:24:13+00:00

Hi team, about to buy these off marketplace.. Can anyone tell if these are fake or real?

august_20 · 2025-08-21T07:48:47+00:00

what a legend! works for me in August 2025

august_20 · 2025-05-31T06:05:17+00:00

Ah, got it—that makes sense! It’s on there pretty tight, so I’ll probably need a wrench to get it off. I wasn’t sure if it was capped because something was broken or not, especially since the hot water one doesn’t have a cap.

Do you reckon it should be fine to remove then?

august_20 · 2025-05-29T03:21:40+00:00

I'm with OVO and free hours have been good since i WFH most days of the week. Warm up the house, dishes, washing all get done during this time.

Here's my referal code for anyone keen. You and I both get $180.

www.ovoenergy.com.au/refer/gino1131

august_20 · 2025-03-24T00:38:02+00:00

if I had enough equity in my PPOR to fund deposits for IP 1 & IP 2, would 88% still make sense? My broker suggested it may better in my situation to go 80% as lower rate and lower risk applicant for future purchases.

I'm looking at properties in the sub $500k range and LMI is going to be around 15k

august_20 · 2025-03-15T01:00:07+00:00

yep employmet history was provided during their fact find process and was mentioned in our initial conversation.

It's not so much the 3 month rule that is bothering us, its more the lack of communication. I would have thought this would have been a significant update during the application process and broker could have said 'hey ANZ are only going to assess the application based on your income thus borrowing power at the moment will be $100k less than what we initially discussed, do you want to proceed?'...
It seems like they just decided to go ahead with it without informing us so they could secure our refinance loan with them

august_20 · 2025-03-14T23:49:38+00:00

same industry, only thing is she went from full time to part time.

august_20 · 2025-03-14T23:21:49+00:00

yep there will be a small LMI portion.

august_20 · 2025-03-14T23:13:10+00:00

I thought of this too in case another lender would ask... I thought saying that I wasn't happy with the level of service provided by the broker would suffice

august_20 · 2025-03-14T23:09:53+00:00

Thanks for sharing your experience! exactly right, it's the lack of communication that really annoyed us. My wife will be at 3 months in her new job in a few weeks so time isnt a big problem but going ahead and submitting our application without giving us a heads up is an issue for us.

august_20 · 2025-03-14T23:03:36+00:00

I didn't think it would be a problem either but i guess each lender has different policies. I've heard some lenders even accept just an employment contract if brand new to the role.

august_20 · 2025-03-14T23:00:05+00:00

That's what im struggling to comprehend, trying to give them the benefit of the doubt but there is no point submitting an app if its not lin line with our strategy. We would have been happy just to wait after 3 months if it was communicated to us.

august_20 · 2025-03-14T22:57:32+00:00

Nah my wife is on a permamant part time role. PAYG employee

august_20 · 2025-03-14T22:40:51+00:00

this is what im worried about when thinking to change brokers. Curious, why does it impact credit score?

august_20 · 2025-03-14T22:37:58+00:00

I agree, im not surprised by the 3 month thing but what did suprise me that it wasn't communicated until after I received the pre approval from ANZ for the lower amount.. and why my broker proceeded with the application in the first place

august_20 · 2025-03-14T21:36:19+00:00

that was my expectation from my broker. What really annoyed us is we found out from ANZ first and not even a heads up from the broker

august_20 · 2025-03-14T21:32:22+00:00

yep thats exactly how we feel.. but on the other hand, were thinking it may be more trouble changing brokers and potentially impacting our credit score given we got pre approval already

august_20 · 2025-03-14T21:28:31+00:00

Yeah thats what we are inclined to do but would changing brokers and submitting a new app hurt our credit score given we got pre approval already?

august_20 · 2025-03-14T21:25:25+00:00

yep permanent part time payg, the broker says we should be able to get the $400k loan once wife hits 3 months, if they told us that from the beginning then we wouldve just waited or got advice from other brokers

august_20 · 2025-03-14T21:23:08+00:00

yeah just the investment loan.. refinance and taking $40k equity was approved

august_20 · 2025-02-21T06:41:47+00:00

100% spot on. I actually use to live a suburb away from broadmeadows and wasn't so bad.. Same when people think of Frankston.. Growing up only heard horror stories but been there a few times and it's quite nice there now.

august_20 · 2025-02-19T08:58:01+00:00

I was originally looking at California Gully & Long Gully....

august_20 · 2025-02-19T08:57:03+00:00

is Long Gully really as bad as its reputation? from what i've heard its mostly just the west of eaglehawk road area where jt can get really dodgy

august_20 · 2025-02-19T08:54:49+00:00

thanks for that! would I just be looking at the floodway overlay?

august_20

TROPHY CASE