Birds

Looking at them now - they do look to have the best comparison rates. No free lunch though - from a shallow look they seem to offer stripped down products and less overheads to achieve the rates. When I was talking to a couple of brokers about finance, for what I wanted to borrow (basically the max I could on my single income) with an offset account, extra repayments and fast approval, both recommended NAB (maybe they pay the most commission lol). Can always refinance down the track; I think the exit is $350.

Talking about the rate; I have no idea when you obtained a loan.

We comparing our loans or what was available to me at the time?

But muh NAB vouchers

Mortgage insurance is proportional to your LVR and there's a law of diminishing returns to it, which starts to get awfully shitty when borrowing at high LVRs. Here's a good example - you have 70k saved up as a first home buyer, it could be allocated as such: A. 600k property, 5% deposit of 30k, LMI of 26k, stamp duty 15k = initial upfront of ~70k and your LVR is 95% on 570k borrowed B. 500k property, 10% deposit of 50k, LMI of 9k, stamp duty 11k = initial upfront of ~71k and your LVR is 90% on 450k borrowed So whilst 100k difference between the purchase price of the two places, the more expensive one actually requires you to borrow 120k more due to money spent on LMI (and some for the extra stamp duty). One loophole you could use to avoid this - get a relative to borrow and "gift" you enough to make up a 20% deposit and cover the stamp duty - you finance the other 80% = no mortgage insurance and you just service both loans. Or they can go guarantor on the loan and you technically don't need any deposit or LMI.

With this I got the NAB first home buyer rate which is apparently the best in the market right now - fixed for two years. Also get about $1800 worth of shopping vouchers.

Park - only have one neighbour.

A friend of mine bought a two storey townhouse in Mt Waverley a year or two ago...the number 8...for 800k iirc. He put a bid in not expecting to win cause there were Chinese buyers present...nek minut He is Singaporean though, so we still laugh that he probably looked like "that guy" on the day to everyone else

A small house in the south east on my income - 80% LVR / no LMI, 50% stamp duty Small as in...no backyard. But when your fence is a giant gate with acres of park land behind it that you don't have to maintain...

Engine is built

Cheers gents I budgeted funds for it, so that won't be the hold up at least...

Officially a home owner Suddenly I have an opinion that the current generation of first home buyers are all a pack of entitled and whinging layabouts who should suck it up about the ever increasing prices and stop buying smashed avocado

RIP actual comedy

I feel that you don't know Hamish like I do

Got nothing on a chateau le blanc 68 Which by the way is supposed to be served chilled

inb4 corked

These kind of attacks have been commonplace in the Middle East for decades Significant increase in Europe over the last 5-10 years Imported people > imported problems Whether pro-refugee people want to admit it or not, the problem simply would not exist in these locations if these countries didn't have such open border policies that allow the bad seeds to flow in with the goods That religion is not compatible with western values

Rimon?

One at a time

What's wrong with that?

Ima take a guess at too dear, or maybe your location (Tas?). Gorgeous example you have there, but 350s in manual guise can be had for half the price and are almost as nice as the 370s. But I don't know the 370 market and what they usually go for, so...that said...it's only been a few weeks...might be the kind of car you just need to wait a couple months for the right buyer or if keen to move on start dropping the price a bit. Advertise on other forums and eBay/Gumtree too? GLWS

Pfft wardrobe MULIGs and ALGOTs will store everything

Terry, Fascinating thinking about this dynamic over different instrument types too - woodwind or piano for instance, where the hands work together to produce notes and chords, in contrast to stringed instruments where one hand (usually the left for right handed players) leads the right. So which requires more dexterity? The fretboard hand or the hand playing? Gonna guess the hand playing just because we tend to use our dominant hand for it. Never thought about the synergy required between the two hemispheres. Plenty of positives for learning and keeping the mind well trained I'm sure, and crossover of the creative side with the logical - but to get slightly philosophical - could there be any possible negatives from the hemispheres working together in such a way? Confused neural pathways etc.? TOO open minded? Haha...

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