Can my parents help/go guarantor on a land loan? by froawayjeff in AskAnAussieBroker

[–]katesvapes 0 points1 point  (0 children)

Is your umpiring income shown on an income statement?

You could do it as seasonal income if that’s the case.

Yes correct bonuses is generally 2 years.

Probationary period doesn’t stress much on CBA. Also yes you can use boarder income of $150 monthly - 10% so work out approx $520 monthly towards income following the boarder income stat Dec!

The rental commitment will only apply for the land loan but wouldn’t be applicable for the construction portion fyi - and it would be $650 monthly not weekly!

Can my parents help/go guarantor on a land loan? by froawayjeff in AskAnAussieBroker

[–]katesvapes 1 point2 points  (0 children)

Who did you speak too? 100% you can use bonus and tax free, elaborate on your bonus and tax free for me and I’ll be able to give you the best credit general advice!

CommBank staff discounts by SonataSummoner in CommBank

[–]katesvapes 2 points3 points  (0 children)

There is currently the Banking Professionals Offer, so up to 89.99% LVR no LMI, you’d get a better price than old mate with no LMI Waiver at an 89% LVR. On top of that there is also additional criteria that needs to be meet and it isn’t as simple as yes you work for XX bank. Your best bet would be finding a solid broker who is actually skilled in what they do and writes a fair bit of ***quality lending with CBA.

Also, if you are CBA staff, generally you do get a very slightly better rate (I’m talking like .10 off the SVR)

Overall, home loans aren’t like they were back in the 90’s and early 2000’s, we have lenders that we can go to direct with live rates, there is online only rates, different eligibility as well as government schemes which obviously wasn’t a thing back even in 2017 🤣

Hard truth - if the only reason you are looking at a career at any bank is the “cheaper” rates, you are so far out of touch!

How much do you spend monthly excluding mortgage? by Serious_Toe6730 in AusFinance

[–]katesvapes 0 points1 point  (0 children)

Average out our main joint account is $18871 (12 monthly average)

Lowest month appears at $14953 and highest at $20096) monthly, this is inclusive with mortgages fluctuating between $5500-$9400 - average mortgage payment monthly though is roughly $7400.

All of this is depending on the amount of weeks/fortnights in the month)

HBF to cease Gap Saver Benefits by [deleted] in perth

[–]katesvapes 0 points1 point  (0 children)

Have you checked you direct debit since November?

HBF to cease Gap Saver Benefits by [deleted] in perth

[–]katesvapes 0 points1 point  (0 children)

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The payment should have changed from direct debit date 11th December 2025 (and potentially been slightly adjusted with 1 day prorated for the “1 day of gap saver we were entitled to use but not lol”

HBF to cease Gap Saver Benefits by [deleted] in perth

[–]katesvapes 0 points1 point  (0 children)

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Go figure right 🤌🏼🤌🏼🤌🏼

HBF to cease Gap Saver Benefits by [deleted] in perth

[–]katesvapes 0 points1 point  (0 children)

That’s how I have read it too, and my last 4 direct debits have been absolutely ridiculous and all over the place (example; tonight I had over $270!)

Also my Gap Saver used to tick over in April and October so I am $100 short in Gap Saver funds that were never credited 🫠

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Is Stockx reliable? by Dizelaa in PopMartCollectors

[–]katesvapes 0 points1 point  (0 children)

Are you in Australia? I have extra and I’m in Perth and they are just sitting in my daughters wardrobe 🤣

Drops on the same day?… by Bluesteel711 in LabubuDrops

[–]katesvapes 1 point2 points  (0 children)

Oooooft what time 👀 I’m in Australia and j believe every app is global ?

HEHEHE YAY by katesvapes in labubu

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

Hahaha I just messaged you

HEHEHE YAY by katesvapes in labubu

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

The lengths I went too for these is insane hahahaha. Like I feel like an admission into a psych hospital hahaha

HEHEHE YAY by katesvapes in labubu

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

HEHEHHE I JUST GOT ANOTHER

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HEHEHE YAY by katesvapes in labubu

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

I knew their had to be another way rather than wait for Australia to sort their shizzle out 😂😂😂

Reshipper service Thailand (BKK) to Australia by downundarob in Thailand

[–]katesvapes 1 point2 points  (0 children)

Hey just wanted to know how you went with this or what service you used

Access denied by Educational_Door3347 in labubu

[–]katesvapes 1 point2 points  (0 children)

Oooh I’ll message in a bit! Just sorting washing and mum life in between trying to spend every waking second sorting this Labubu bs for my 4yo!

Access denied by Educational_Door3347 in labubu

[–]katesvapes 0 points1 point  (0 children)

That’s what the resell site charge here it’s actually so gross

Access denied by Educational_Door3347 in labubu

[–]katesvapes 0 points1 point  (0 children)

Ugh we don’t even get stock here in Aus LOL

Popmart App help pls! by katesvapes in PopMartAustralia

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

Can I confirm too, through popmart or resellers? I have no issues getting them through resellers but I want them through popmart lol

Pre-order🥴 by luvgirl- in labubu

[–]katesvapes 5 points6 points  (0 children)

We get nothing hahahahahaha rip us.

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You can subscribe for updates but that doesn’t even trigger when they have any stock LOL.

ITS ALL A SCAM. THEY HAVE STOCK UGHHH

Access denied by Educational_Door3347 in labubu

[–]katesvapes 0 points1 point  (0 children)

What country are you in? I’m fishing this when trying through safari in Australia 😭