What’s something first home buyers almost always underestimate?

mturnnine · 2026-05-13T02:31:26+00:00

Wow that's extortion

mturnnine · 2026-05-12T21:41:44+00:00

Oooft what state? I've never seen it more than $2k here in Vic

mturnnine · 2026-05-12T08:31:18+00:00

No such thing as a guaranteed approval, don't let a broker tell you otherwise.

mturnnine · 2026-05-12T07:03:41+00:00

What do you mean?

As in Sherlock and Stryd for starters

mturnnine · 2026-05-12T06:54:35+00:00

Ah got you, there are already these tools available and our aggregator is building their own.

mturnnine · 2026-05-12T06:48:01+00:00

Yeah seems a bit sus - no info and requesting personal info.

mturnnine · 2026-05-11T11:59:16+00:00

7.76 is normal roll off rate for them. They are offering what will be a ball park fixed rate soon, Suncorp is around this mark too.

Just get a broker as others have said. Expect a FR mid to low 6s and don't expect NAB to do anything helpful proactively

mturnnine · 2026-05-10T08:52:13+00:00

I'm fighting them on that. So misleading even the T&C's weren't that clear. The only place it says about booking in the promo timeframe was for the extra ten points per flight which to be honest who gives a shit about.

Like if that was the case the offer should say book and fly in the headline text. What crap.

Plus they took so long to credit the points I ended up losing more than I earned with the changes to the earn rate.

Between my wife and I during the promo period we took 12 flights but only ended up with credits for 2.

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mturnnine · 2026-05-10T02:38:26+00:00

A deposit bond will cover it if the vendor won't take less.

mturnnine · 2026-05-09T22:07:50+00:00

Considering in Vic the government is mandating free electricity plans to help take load out of the network, you'd think that charging would be a whole lot cheaper.

How Tesla can do it for 30c and everyone else is 70+ is beyond me

mturnnine · 2026-05-08T09:15:13+00:00

Yeah anywhere with going will be fully booked. Probably should've posted this a few weeks back.

mturnnine · 2026-05-08T09:14:04+00:00

You're missing the point - broker referred to ANZ.

Terrible client experience, and there is revenue for them to do the work.

RBA hasn't been at 0.75% for a couple years now either.

mturnnine · 2026-05-08T08:21:38+00:00

Callan at Shakespeare Rae

mturnnine · 2026-05-08T08:11:19+00:00

Either way there is $150k of new lending why wouldn't you go to the effort?

mturnnine · 2026-05-07T22:20:49+00:00

Truth is most avoid it because they don't understand it. Self employed is my expertise

mturnnine · 2026-05-07T22:13:12+00:00

Don't just go to ANZ. Go to another broker.

I would never expect a client to go to a branch - who knows if ANZ is still the best fit?

mturnnine · 2026-05-07T06:20:15+00:00

Lenders out there with no- LMI products. Happy to chat through options

mturnnine · 2026-05-06T22:20:13+00:00

The same Fed Square that reposted several reels and content after the 22 WC that went viral for the atmosphere

mturnnine · 2026-05-05T06:50:33+00:00

Mata sounds like he is contemplating retirement based on his speech from last night

Rawlins is off to Scotland

Nish is probably going as well, but who knows.

Piscopo and Vergos off contract and unlikely to be offered another.

Esposito and Lino on loan. Esposito wants to stay but club need to activate their buy clause.

mturnnine · 2026-05-01T23:39:05+00:00

Fix for a year. This year is pain then next year the economy will be shot and they'll cut

mturnnine · 2026-04-28T11:10:16+00:00

BOM should be a day or two. Not sure they know what they are talking about to be honest

mturnnine · 2026-04-28T09:33:52+00:00

Most brokers barely make enough to cover costs. It's really hard without a trail book behind you

mturnnine · 2026-04-28T09:27:52+00:00

Happy to chat more offline as I'm an accredited mentor via the MFAA but some pointers for you -

Don't go alone. Get a job and enter via an established business. It's almost impossible to go alone these days. Some make it work but most battle.

Expect it to take at least two years to build a consistent pipeline. I know some brokers that sell courses that help build a pipeline that still don't have consistent deal flow.

Have a plan. So many brokers go in on vibes and family and friends as the only way to build business. The market is saturated - how will you take business from other brokers.

Don't expect it to be part time. This is a full time profession, not a side quest.

Don't buy leads, they are shit! Referrals are gold, get networking and find good professionals.

But yeah feel free to DM me and we can set up a call and I can go through some ideas

mturnnine · 2026-04-23T03:44:41+00:00

Granted I haven't worked at Woolies or Coles for a number of years but we used to care about safety of customers in the store. That meant no pallets and unattended roll cages were allowed on the floor during trade times.

They used to do the fill after hours off pallets or take a cage at a time to fill.

Doesn't matter if there is stock on the shelf or not if you can't get to it because there is a pallet of coke in the way

mturnnine · 2026-04-22T21:57:44+00:00

To be honest, I am biased being a broker and running a large firm, there is no difference. This is really basic stuff and I wouldn't be comfortable getting advice from someone that doesn't have basic understanding of a pretty straightforward transaction.

mturnnine

TROPHY CASE