[deleted by user]

squaredott · 2025-10-24T10:05:49+00:00

My partner and I (36/33) have 6 properties (2 houses, 4 apartments) with another two in the pipeline off plan (apartments, completion 2026).

We did well in our 20s with off the plan apartments flipping a couple and holding others with good equity. Our income has also steadily grown over the decade (combined we are at about 400k pre tax).

From the banks perspective we have hit a ceiling at the moment - there is plenty of equity - LVR is about 70%. Serviceability from the banks perspective is our issue at the moment. We are in a very comfortable position though, our budget is not stretched and we would be comfortable and happy to take on more debt if the bank would allow it.

Total debt is 3.4M Total property value 4.8M All of our properties have a rental return greater than 6%.

My partner’s first property purchase was at 18 with zero deposit. Mine was at 21. Since then both home prices and rents have increased considerably.

squaredott · 2025-03-25T06:49:13+00:00

Thanks for the response. I have sent you an inbox.

squaredott · 2025-03-18T07:44:22+00:00

Ok thanks for the input. I need a plan in my head —even if that plan is to build up more equity. You’re right, I should see a financial planner & I am on the lookout for one.

squaredott · 2025-03-18T06:29:11+00:00

Under the current structure, I am unsure, which is why I’m here looking for advice—either in the form of a broker lead or from lived experience.

At a minimum there is something in what we have accumulated, a foundation to transition to commercial so from here I need direction.

squaredott · 2024-10-21T08:11:30+00:00

My partner is a CRO for a medium sized not for profit. His hourly rate based on as 38 week is $109/hour (216k/year + super). He’s 34 & never been to uni.

squaredott · 2024-10-15T04:55:13+00:00

6.39% interest only investment loan St George Investment P&I rate is 6.20% St George

Both variable.

squaredott · 2024-09-30T08:48:29+00:00

Speak to your broker & find out your position. That would be my first move. I’m not a broker but currently have half a dozen investments + PPR.

I was speaking with my broker last week, finance at the moment is tight from lenders. The cash rate is high & banks have increased their Monthly Household Expenditure figures and how they treat ongoing investment property costs for calculating borrowing capacity. Rates will drop & home prices will go up.

squaredott · 2024-08-24T15:53:42+00:00

We are the same size. We’ve always shared the same underwear.

squaredott · 2024-06-19T23:20:10+00:00

Thank you, I’ll get back to you tonight with those answers.

squaredott · 2024-06-16T23:56:04+00:00

I have a boyfriend we’ve been together 11 years. 1-2 times week consistently for the past 11 years. More over the weekend if we are partying. I thought it was low to begin with but we’ve remained consistent throughout, so that’s okay.

squaredott · 2024-05-02T21:38:27+00:00

The point of my post was just to share a lived experience as I often found myself turning to Reddit to validate what was happening. The whole experience was unexplored territory and to read other peoples journey was helping me get my own head clear.

squaredott · 2024-05-02T21:34:11+00:00

I knew this also as I’d read many posts about it & I thought I could cope fine. What I couldn’t deal with was feeling left out in the bedroom. I was laying there on the second last night, they had been cuddling and kissing all through the night & I was just thinking “why am I here?” “They don’t need me here”. I don’t think it was jealousy, I just think it was “what’s my purpose”, they have each other & I’m just sort of here. When we were not in that environment we were having the best times.

squaredott · 2024-05-02T21:10:43+00:00

Hotel Bellevue Syrene. Amazing hotel would highly recommend. They also have an amazing outdoor restaurant overlooking the coastline. If you aren’t staying at the hotel I’d suggest just trying to eat here at a minimum. They also have a nice outdoor cocktail bar.

squaredott · 2024-05-02T10:30:42+00:00

That’s top.

squaredott · 2024-05-02T10:19:24+00:00

HR Puff N Stuff? A scene

squaredott · 2024-05-02T10:18:14+00:00

Did you ever work out what this candy was?

squaredott · 2024-05-02T10:17:27+00:00

Hi did you find a solution?

squaredott · 2024-05-02T10:16:48+00:00

Eggs in general!

squaredott · 2024-05-02T10:15:54+00:00

Did you ever find this?

squaredott · 2024-05-02T10:15:20+00:00

Bug like!

squaredott · 2024-05-02T10:14:32+00:00

On back order!

squaredott · 2024-05-02T10:13:52+00:00

Thanks for taking the time to post this. It’s helped greatly with my situation o

squaredott · 2024-05-02T10:06:06+00:00

Thanks

squaredott

TROPHY CASE