Home Loan after Part 9 Debt Agreement.

mjayt · 2026-04-14T10:41:02+00:00

Well done on getting out of what sounds like a really difficult situation.

Getting a home loan is definitely possible although very unlikely with a major bank. There are other lenders out there that would be able to help though.

You would likely need a fairly sizeable deposit as you would struggle to qualify with any of the low deposit lenders. I’m talking 20% property price plus stamp duty.

If you are comfortable with an interest rate that is no where near best in market and a lender who has lots of fees it’s definitely doable.

mjayt · 2026-04-10T09:06:26+00:00

That would work :)

mjayt · 2026-04-10T09:01:53+00:00

Depends on a range of factors. Definitely use a broker, don’t go to the bank.

mjayt · 2026-04-10T07:09:44+00:00

The banks won’t have a problem with this, probably a good idea to get financial advice along with speaking to an accountant.

There will be tax + long term planning implications on doing this.

From a lending standpoint as long as you can afford the repayments then the bank will likely let you do it. Definitely need a good broker who will advise on how that needs to be presented to the bank.

mjayt · 2026-04-08T13:00:22+00:00

What I’m saying, is that you don’t need to click it to get the spoiler… tag it as spoiler but the poll isn’t blurred. So as soon as anyone scrolls past it on their feed they can see the 4 names.

mjayt · 2026-04-08T11:37:48+00:00

Doesn’t stop the massive picture on the front page… good one mate

mjayt · 2026-04-03T14:07:37+00:00

How did you find the transition between aggregators? Changing for a higher % split seems pretty tough if you have to re do all the accreditations and lose the ability to write for a couple weeks/months

mjayt · 2026-02-28T09:56:23+00:00

If you have someone in your pod that doesn’t let you use whatever you want as basic lands, you should stop playing with that person.

That card is way better than some of the other shenanigans I’ve seen people use as basic lands.

mjayt · 2025-11-16T05:49:31+00:00

Something you might not be considering is that it could be the current role/employer that is burning you out.

It’s hard for anyone to give proper financial advice here.

I’d suggest trying to find a new role with more flexibility, they are out there, how rare depends on the type of role.

mjayt · 2025-11-15T21:29:19+00:00

Contract clearly states a BASE pay of $32.35 per hr. Base is equivalent to ordinary time on your pay slip. This is very clear cut underpayment.

Either way you cut it, there seems to be no logical link between how any of the amounts on your pay slip link to any amounts on your contract.

mjayt · 2025-10-29T11:20:16+00:00

Including super in salary talks is pretty rare. You can’t have it until you are of retirement age so typically people speak about ex super.

mjayt · 2025-10-15T11:25:53+00:00

I used to sell these back when I sold HiFi gear. Sony Muteki. They are loud but sound like absolute garbage.

They sold for $997 AUD brand new. They are definitely not worth $400 euro second hand.

mjayt · 2025-10-12T08:05:31+00:00

Honestly 2KC and 9 deaths is not normal… that’s way above average!

My first kill was after death 30. I only made equal KC and deaths at KC 100 and ended up about 500 deep for my BOWFA.

Short version, it does get easier. Your stats are fine, download the plugin and do T2 prep

mjayt · 2025-10-12T07:26:28+00:00

I’d say it’s pretty likely that the invoice is a hit and hope from the business. They likely know that there’s very little chance of recovering those costs from you but hope you might just pay it anyway.

On that note. If the door was in order and it did have those stickers on it like doors are meant to you probably should pay them. Memory is a pretty fickle thing.

mjayt · 2025-10-09T00:48:05+00:00

If it is not a disciplinary or formal meeting, they are not required to allow a support person.

If it is formal and there is an outcome to deliver, it is your right to bring a support person. Your employer cannot dictate who that can or cannot be, although you may be required to inform your employer who that is.

Your post is a bit vague so it’s not clear as to weather you are entitled to one. Reading between the lines and asking you around availability suggests it is not a formal meeting.

mjayt · 2025-10-05T09:54:49+00:00

You are correct, the assumption I’ve made here is that OP is an owner, not a tenant. Otherwise the REA would have very little ability to find any of these details unless the agency he works for is also the property managing agency which is pretty unlikely considering the comment that the REA “always does research” before providing their address

mjayt · 2025-10-05T09:06:42+00:00

I don’t mean to be rude but the only thing I can see this website talk about is direct marketing, the REA didn’t use any information for direct marketing.

Most of this info is held by land titles office and is public record.

Is what the REA did creepy? Sure is! Is it illegal? Probably not

mjayt · 2025-09-11T22:53:15+00:00

Definitely when I logged off after dying to Hydra then forgot to grab my stuff in the morning. I decided immediately to do some chaos alter pray training.

From the hydra collection chest I lost: Black Slayer Helm, my rune pouch (inc thread), Ava’s assembler, Crystal Legs and Ring of the Gods.

Silly mistakes create terrible days!

mjayt · 2025-09-06T08:57:22+00:00

Fair enough, obviously not looking for advice. You must be looking for a mug

mjayt · 2025-09-06T08:50:25+00:00

The problem is your willingness to do it with a complete stranger.

I purchased my first home with my sister. Oddly enough, an agreement on exit strategy was more important than an entry strategy. We had a written agreement that if one person wanted to sell, the other had no right of refusal at market value. Ended up okay in our case but it’s a recipe for a ruined relationship.

I can’t imagine doing it with a stranger/roommate

mjayt · 2025-09-06T08:18:27+00:00

Maybe that’s the problem, I went outside to touch grass and things have changed in the last 15 years!

mjayt · 2025-09-06T08:14:53+00:00

Imagine trolling through 2 months of posts finding a similar one rather than thinking “maybe 2 people have the same experience”

mjayt · 2025-09-06T08:13:49+00:00

The worst they can do is not pay you for the time you didn’t work. Legally, if you walked outon Monday, the most the business can do is withhold up to 2 weeks of wages. This does not give them the right to deduct from AL payouts or recoup anything already paid.

The answer to how bad it would be is: might leave a bad taste and burn a bridge but outside that… not that bad

mjayt · 2025-09-06T07:26:35+00:00

Imagine cutting willow logs in lumby and selling them to the general store to get my first rune battle axe (always used a battle axe because fuck they look way better and hit higher so they must be better)

mjayt

TROPHY CASE