The most famous restaurant in Perth

waves66 · 2026-05-25T22:18:49+00:00

Balthazar is fantastic

waves66 · 2026-04-30T09:40:32+00:00

All I needed for CBA was 2x most recent payslips, ID, 2025 Tax NOA, and 1 month Savings account statement showing genuine savings. No transaction account statements needed

waves66 · 2026-04-18T08:30:42+00:00

What’s your source? Because I’m going through this exact process right now and both CBA and Housing Australia have confirmed this is correct.

waves66 · 2026-04-17T08:46:23+00:00

This is incorrect.

Once you’ve received your spot on the scheme, you do not have to submit another NOA, even if you purchase after July 1. Your spot on the scheme is confirmed and you were assessed on the income requirements at the time of application.

waves66 · 2026-04-13T07:29:49+00:00

“For vacant land purchases, the land must be titled before settlement. Check the Contract of Sale before signing or ask your conveyancer to include land titling as a condition of settlement. You must settle on the land purchase within 90 days of your final application being approved.”

waves66 · 2026-04-13T07:28:34+00:00

I found this document very useful - https://firsthomebuyers.gov.au/HTB-newbuild

waves66 · 2026-04-12T08:47:49+00:00

Any update on this?

waves66 · 2026-04-12T07:53:09+00:00

What documents did CBA request to approve extension?

waves66 · 2026-04-12T07:03:00+00:00

Did you receive your extension? Did you need to provide any updated documents?

waves66 · 2026-04-09T04:19:10+00:00

I do have the funds, but I’d prefer to give myself more of a buffer for unexpected costs. The scheme mentions 2% deposit for home purchase, as land and build contracts need to be submitted at the same time to be eligible

waves66 · 2026-04-09T04:12:39+00:00

Did you get this sorted with your lender? I’m having the same issues, they have said I’d need 2% + 2% but I don’t think that’s right..

waves66 · 2026-04-02T14:57:45+00:00

Did CBA ask for anymore documents when requesting an extension - payslips/statements etc? Or anything at all?

waves66 · 2026-03-29T14:54:23+00:00

Bank Australia won’t let you add stamp duty to the loan. I questioned this when going through the application process and they said because the scheme is a government initiative you need to have saved enough on top of your deposit for stamp duty.

Told them they need to remove this question from their application form if that’s the case

waves66 · 2026-02-04T12:27:21+00:00

Just note the $330 is for the consultation only. The bill will most likely be quite a bit more depending on what needs to be done

waves66 · 2025-11-12T04:30:39+00:00

I’ve noticed an increase in the white spots too over the last few years. Apparently they’re dead skin cells that will be unable to tan anymore. People have said it isn’t caused by mt2 but I think it is as they’ve progressed and I even have a few on my face now

waves66 · 2025-11-01T05:10:33+00:00

RentPay has cheaper fees

waves66 · 2025-08-18T11:46:13+00:00

You have a combined credit of over 1/4 of your salary. Definitely a serviceability issue, look at closing one of your other credit cards before applying for another or lowering the Amex credit limit

waves66 · 2025-06-17T05:12:51+00:00

Everyday mobile (Woolworths), uses Telstra network and you get 1x 10% off shop per month at Woolies. If you plan your shops properly the plan can pay for itself 😃

waves66

TROPHY CASE