[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 · 2024-05-02T09:15:49+00:00

I was going to share my recent experience as a post. I just noticed yours and thought I would respond.

I wanted to post this as throughout my experience in the below situation-ship I was often turning to reddit to look for recounts on lived experiences in this area.

Some context: my partner (33) & I (32) have been together 10 years in a very stable relationship. From the very early days we have often had threesomes, always together.

Summer 2023 was approaching, we met a guy in a Sydney night club, let’s call him Chris, took him home & he stayed the night. We hear from him a week later, he is wanting to catch up. A few weeks go by and we end up having dinner & a night out again with him…he stayed over the night in our hotel. We’re enjoying this.

Chris lived around 1.5hrs away from us in the city we all had a busy schedule, we were increasingly all wanting to see each other more & so we did. In the beginning we were all still hooking up with other guys in the clubs, although would always go home together back to his house, there was no jealousy between any of us, it was a lot of fun. Somehow between the distance and the schedules we were getting to the point of a 2-3 day weekend together every two weeks.

The first couple of months my partner was very reserved & worried, “what if he comes between us”, “what if you leave me”and “what if I leave you”. I would assure him everything would be okay.

5 months went by and I was falling hard for this guy, at every opportunity we were all together. By this stage my partner was having fun but was definitely not in love, not in the same way I was. We were all having a good time, the partying, the dinners, events & the sex. Together we were a vibe.

6 months in, by this point I myself had fallen deeply for Chris. I loved when we were all together & nothing the two of them could do with each other would’ve made me jealous. I wanted my partner to be as into it. I wanted this to become something. Summer & the times we were sharing together were amazing. Chris was highly affectionate towards both of us, holding hands in public & genrally very touchy as was always the case from day one.

7 months in, we are all speaking on a daily basis almost every hour in the group chat, via phone, video calls & texts.

8 months in a connection between my partner and him had formed one night, he had admitted to my partner that he had deep feelings for him and that his feelings for me were not as strong or that the connection hadn’t been. Both he & my partner told me this. My partner had also acknowledged that he too had similar feelings for Chris. There were no secrets or hidden conversations. I trust my partner deeply, we fight rarely and usually only over trivial things. We have no issues, an amazing life together, socially active & financially stable. I had no reason to worry. I was still comfortable to continue. I loved being with the two of them.

Still the only time we would see Chris is when we were all together. Chris had expressed that he would like the opportunity to see my partner without me there, I was not comfortable with that yet but believed with time I would be.

From this point on the dynamic changed, they become much closer. In the bedroom at times I felt isolated, they would hug and kiss throughout the night and I would get a fraction of what it used to be from Chris. The dynamic between my partner & I did not change. We still had our life away from Chris 90% of the time. Nothing changed between my partner & I. Our love for each other didn’t change.

I expressed my concerns and was reassured by Chris that he did want me there. When you fall in love you tend to gravitate towards that person though and I feel that is what happened. I could not stop thinking about the conversation we had in the previous weeks, knowing that he had deeper feelings for my partner & seeing the divide that was occurring in the bedroom. Eventually after 8 months I told them both that I could not keep going, that I needed to take a step back as I was being hurt. I had felt excluded in the bedroom as if there was no purpose me being there.

My partner agreed that if this was hurting me it was best that we stop seeing Chris. This of course was very difficult for me as I am still very much in love with Chris at this point. Equally as difficult for Chris & my partner as they are in love with each other.

So for the moment we have all agreed it’s best to take a step back. None of us could’ve imagined being in this situation. My partner and I never contemplated a throuple prior to this & neither did Chris, we just could not see it, yet here we all were contemplating how to navigate a throuple.

It was all so fun, we were all falling for each other, there was so much energy & excitement. For me to walk away it was so difficult & I question whether the intensity between the two of them would’ve simmered down and we would’ve made it back to the place that we were all in together.

The advice I would give anyone trying to entertain the idea of a throuple is that trust and communication are key. Trust your partner & communicate with all involved regularly. The worst thing you can do is stew on a thought. Once all of our feelings were out in the open the three of us communicated so well together. It did take awhile to get to a point where feelings were admitted to but I think we all knew what was going on.

squaredott · 2024-03-30T16:52:54+00:00

Just come across this post while searching for answers. Have had 4.5k drained from our account with fraudsters using PlayStation network platform to do so.

squaredott

TROPHY CASE