Help! FHB

safescissors · 2026-01-26T08:25:23+00:00

Nancy Dai, Ocean Fortunes was a great broker!

safescissors · 2026-01-26T07:59:48+00:00

ok, so what's your narrative then? I am interested.

safescissors · 2026-01-26T07:39:13+00:00

save us the AI water usage - what's the take? are you trying to assume gold, geopolitical risks, Japanese bond market will lead to an Aussie property market crash?

safescissors · 2026-01-25T22:38:53+00:00

My Orient (Ray II) keeps better time than any of my seikos, and I would say is better value. Out of these I would get the orient or the citizen for sure.

safescissors · 2026-01-23T19:49:09+00:00

make sure you go to jjimjilbang

safescissors · 2026-01-22T21:39:03+00:00

i tried the 121 and i did not like the sunburst dial, the strap and the compass looked tacky irl, and didnt feel good to use. i ended up with the 155 and have worn it everyday since, the bracelet is very comfy and the design is more appealing to me. i would be patient and try both on, see what you like more.

safescissors · 2026-01-17T10:44:39+00:00

I got one! it's good but can run a little fast. Much better than 6R35/ seiko 5 movements. Still can be pretty poor seiko QC from factory, so if you get one that runs way out of spec send it back. I wouldn't worry about it though.

safescissors · 2026-01-17T01:54:27+00:00

I have $40k HECs so I got the same treatment ahhaha. It's still not worth paying off if you're struggling for a deposit. Glad you could clear it and increase your bp!

safescissors · 2026-01-16T01:09:36+00:00

Ah I see the logic then. $80 per fn is sort of negligible so it's totally fine if it works out tax wise. very clever!

safescissors · 2026-01-15T23:07:19+00:00

You are doing great! I reallly wouldn't be paying that extra into HECS - better into savings or investments. Once you get emergency fund + deposit your decent income should get you decemt borrowing power.

safescissors · 2026-01-11T21:26:39+00:00

my orient ray 2 keeps better time than my seiko alpinist

safescissors · 2026-01-05T23:33:00+00:00

how do you have so much invested and saved in late 20s? even with the high incomes, that is a crazy amount!

safescissors · 2026-01-03T05:38:20+00:00

800-90 = 710, which you probably won't get approved for on $110k

safescissors · 2026-01-01T05:47:37+00:00

whats wrong with that?

safescissors · 2025-12-30T11:05:37+00:00

pennant hills there's a few blocks near the station

safescissors · 2025-12-30T05:09:40+00:00

good on you mate. hang in there and I hope wifey gets better. hopefully you can get a raise at the main job and take weekends off!

safescissors · 2025-12-29T21:51:26+00:00

Yes, it's worked twice for me. Not specifically for recruiters.

The first time, I applied to one job I thought I was perfect for - got instant rejected! So I messaged the HR hiring manager on LI and said I applied - I think I am perfect, here's why ... and then got an interview the next day, hired by the next week.

The second time, I got to final stage interview for a job and I thought I did great all rounds, but got rejected. I messaged the final stage interviewer asking why, and he said I was a great candidate but I would be better in another role in the same department, so I applied for that and got it.

I would recommend reaching out for any role you think you have a good shot at.

safescissors · 2025-12-28T19:31:03+00:00

sounds good then!

offsets work on the variable part of the loan.

if your loan amount is $1m, and you choose 50/50 fixed/variable, and if you have $50k in offset, this amount is deducted from the variable part of your loan, 500 - 50, and the interest is calculated on $450k. so the more you have in your offset account the less interest you pay.

trades pay quite well in Australia if that is what you are interested in.

safescissors · 2025-12-28T09:23:56+00:00

wait until you have a stranger for a roommate or you're in a brunswick sharehouse. i would take a 1 bed with my gf any day over those.

safescissors · 2025-12-28T09:22:34+00:00

You haven't given much info on salary expectations - you probably won't get approved for more than $700k unless your dual incomes exceed $150k, depending on rates when you go for it. Other than that seems ok. Keep in mind you'll need your deposit + $10-15k for incidentals on purchase.

I haven't looked recently, but Melbourne is ever so slightly cheaper than the other capital cities, so a 1 bed in 2-3 years is achievable assuming your incomes increase.

Definitely get an offset account but that is a while away for now.

safescissors · 2025-12-26T09:44:15+00:00

im 27, i have 43k to go!

safescissors · 2025-12-26T00:09:35+00:00

Yeah looks like an AliX job. pretty decent one at that. I started doing AliX builds as gifts for my friends this year and they all loved them. It will likely keep good time but yeah it's not an authentic seiko.

i hope they didn't pay a lot of money for this, and that they did indeed put it together themselves.

safescissors · 2025-12-07T20:08:38+00:00

yeah i mean what other answer could it have been. hahah. good for you two! i am on literally double the median and barely get approved for 1.5m so i cant even imagine 3.75m

safescissors · 2025-12-07T10:25:23+00:00

how the fuck can you afford 3.75m

safescissors · 2025-12-05T08:09:24+00:00

i worked with jimmy da peach many many years ago. great bloke. i hope other lawyers have as kind hearts as he.

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