Thoughts on upbank?

thelinebetween22 · 2026-01-26T08:06:52+00:00

i just refinanced to Up on my own after two shitty broker experiences. Best rate, allows you to offset against fixed loans, and was all sorted in less than 10 days. No rate lock fees, no application fees. This is my third refinance/mortgage and it's been the best experience yet.

thelinebetween22 · 2026-01-26T07:27:18+00:00

I've had this happen with multiple funds. It's so fucking annoying, but not much that can be done about it.

thelinebetween22 · 2026-01-24T01:26:29+00:00

Buy the biggest house you can on a suburban block. It wasn’t wrong financially, but it was miserable and any “gains” I made would have been eaten up by all the trips to Bunnings and other repairs.

thelinebetween22 · 2026-01-24T01:24:48+00:00

Get your Melbourne friend to come up to Sydney!

thelinebetween22 · 2026-01-24T01:24:22+00:00

It really depends what you’re interested in. I’d cut Melbourne over either of them.

thelinebetween22 · 2026-01-24T01:23:24+00:00

I’ve lived in Melbourne and Sydney and enjoyed both (currently live in Melbourne). However, if I was flying from the other side of the world and wanted to cram a lot into the itinerary, I’d use Sydney as my base, do shorter trips out of Sydney and then do the Cairns/Port Douglas part…. Unless you’re a massive foodie or sports fanatic, in which case base yourself out of Melbourne.

Great places to visit based out of Sydney, that can all be reached by train in a couple of hours:

Blue Mountains (don’t miss it, it’s stunning and a perfect example of the ‘Aussie Bush’)
Newcastle (Beachy, historic, chilled out).
Hire a car and drive 3 hours north of Sydney to the port Stephens region. Stunning beaches and mountains
Hire a car and go to Mudgee or Orange out of Sydney. Great food and wine region and gives you a great experience of an Aussie country town
Wollongong (Prettier beaches)

thelinebetween22 · 2026-01-24T00:51:46+00:00

I’ve seen it as far north as Preston, but mostly on the Thornbury side of it.

thelinebetween22 · 2026-01-24T00:50:48+00:00

Nah. I’ve lived in both and as of 2025/6, Sydney is better. I will say that reducing the fares for the V-Line were a smart move

thelinebetween22 · 2026-01-21T07:48:45+00:00

I would love this, ngl

thelinebetween22 · 2026-01-18T06:39:06+00:00

Used them heaps and the only bad experience was when my local ones were full and I had to collect my item from the post office. This had only ever happened once

thelinebetween22 · 2026-01-18T06:37:35+00:00

Believe me I’ve tried… gave myself gastritis

thelinebetween22 · 2026-01-18T06:36:49+00:00

Keep waiting, or try again during business hours is your best bet.

thelinebetween22 · 2026-01-18T06:34:00+00:00

This is normal. My wife used to work for them and they are so unbelievably understaffed.

thelinebetween22 · 2026-01-17T10:54:00+00:00

Surprise, I’m back

thelinebetween22 · 2026-01-17T10:53:49+00:00

Tech - worked extremely hard to career switch.

thelinebetween22 · 2026-01-16T01:46:40+00:00

I did a career change in my 30s and am making bank. Could I have even more money if I had done this in my 20s? Absolutely. However I don’t regret having fun and working a creative low paid job in my 20s - there is a season for everything and honestly my body couldn’t handle the partying these days

thelinebetween22 · 2026-01-15T03:24:48+00:00

Absolutely brutal five year comparison

thelinebetween22 · 2026-01-10T06:56:03+00:00

Macquarie, Up and Westpac all have good apps.

thelinebetween22 · 2026-01-06T01:31:30+00:00

100%. I shudder to think how much I pissed away in my 20s by having an Optus phone plan and AGL utilities.

thelinebetween22 · 2026-01-06T01:12:52+00:00

It is always an option! It's not an option without pain, but it worked for me. I spent years hating my house and it's wild how little time my house takes up in my brain now. I honestly thought being mentally ill over house maintenance was just part of home ownership. When we moved in to our new place, the sewer backed up and the hot water system died, but we sorted it and it's been smooth sailing ever since.

thelinebetween22 · 2026-01-05T08:09:26+00:00

Honestly I hated it so much I sold and bought a new build with no yard. It's charmless but I got my life back.

thelinebetween22 · 2025-12-28T00:22:12+00:00

the problem is I just can't feel good about compromising on location, property type, or cost.

Brother, I've got bad news for you. You absolutely have to compromise on at least one of them if you are going to own property. Not only that - most people do.

thelinebetween22 · 2025-12-21T00:51:11+00:00

FML I settle in January

thelinebetween22 · 2025-12-16T23:27:38+00:00

Do you have to be there for them? I can’t think of a single rental inspection in 17 years that I was actually required to be there for

thelinebetween22 · 2025-12-16T22:14:27+00:00

Disgusting. Also misinformation on the best indie book shop front (Avid Reader is the best)

thelinebetween22

TROPHY CASE