Jump to content
SAU Community

Recommended Posts

7 hours ago, TiTAN said:

 


So a massive gate and massive sliding/folding glass doors across the whole back of the place?

It seems like a fine stage from which to show off your efforts in the gym, at least thats the first reason you would want it that comes to mind.

 

you_got_me_breaking_bad.gif

24 minutes ago, emts said:

small side garden I see to work on.

 

the empty lot next door is that part of the park or will some-one build on it? 

Park - only have one neighbour.

first home buyers duty reduction. you get 50% off if it your primary place of residence.

 

if you put the full 80% down them you don;t need to pay loan mortgage insurance.

 

simples

 

 

You mean 20%

 

If you put down 80% up front on your first house you have done well.

 

Going 20% deposit also gets you lower interest rates on top of not having to pay mortgage insurance.

3 minutes ago, TiTAN said:

 

You mean 20%

 

If you put down 80% up front on your first house you have done well.

 

Going 20% deposit also gets you lower interest rates on top of not having to pay mortgage insurance.

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.

Oh shiiiit

Don't tell him/her that you earned the money with CSGO skins

 

I prefer independent jewellers (bcoz hipster) because the people and artists actually know what they're doing, and they have no reason to lie to you, the items do all the talking so to speak. It's not just a spec sheet.

 

I've used e.g. etal in the CBD a couple of times. More designer stuff, but guaranteed unique and brownie points for the wimminz (compliments and envy galore amongst peers). Also got quality custom necklace from Ralf Finch in The Basin (chose a design, picked necklace and got to choose the pearls to use).

 

Edit: diamond earrings is a tough choice. Easily lost, small, mostly are studs so super subtle.

 

 

 

3 minutes ago, Leroy Peterson said:

Oh shiiiit
Don't tell him/her that you earned the money with CSGO skins

I prefer independent jewellers (bcoz hipster) because the people and artists actually know what they're doing, and they have no reason to lie to you, the items do all the talking so to speak. It's not just a spec sheet.

I've used e.g. etal in the CBD a couple of times. More designer stuff, but guaranteed unique and brownie points for the wimminz (compliments and envy galore amongst peers). Also got quality custom earrings from Ralf Finch in The Basin (chose a design, picked necklace and got to choose the pearls to use).

"Pearl necklace" sure sure 

Ok cool so there's no decent online shop gotta get off my ass and go somewhere? 

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.

 

I'm on 3.81% at the moment, zero annual fees.

 

Looks like the comparison rate for that 3.69% deal is 4.38%

 

Pretty sure ubank and loans.com.au are still the actual comparable cheapest as they have no annual fees on their variable rate loans, with a once off few hundred $$ fee if you want to go fixed rate. But you have to have minimum 20% deposit to get those deals.

1 hour ago, UNR33L said:

Where's a good place to buy some diamond earrings? 

Don't mind spending a bit but not stupid amounts, birthday present.

 

Inb4 subtle, VWL6fig, 800k etc.

http://www.bbc.com/news/world-europe-39943470

48 minutes ago, TiTAN said:

Il stick with my pay less interest and fees In the long run than get some vouchers up front plan.

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

8 minutes ago, TiTAN said:

 


It was available to you too? You said you went in on 20% or more deposit?

 

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

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now



  • Similar Content

  • Latest Posts

    • I used this https://osgiken.com.au/product/os-giken-os-250r-lsd-gear-oil-80w250-1-litre/   shut my nismo 1.5 pro up by heaps…. Not silent though. Gives the car character and personality. It ain’t a carolla. If you want silent, put a quaife in it.
    • It's about the same time for me from Bunnings, or the Fasteners. My big push away from takeaway food, and gluten in general keeps me away from the Bunnings Snags too! Weather up here, I've been out for two walks today in the beautiful sunshine. Had a few little drizzles, and some wind, that honestly, a tin of beans and I could compete on how harsh she blows Thankfully, being this bit inland, we're not getting anything much really. Will probably pick up a bit more when/if Cyclone Alfie decides to come ashore. A few areas in the GC though, and south into NSW are really getting smashed though! Right now, I'm just annoyed Alfie hasn't hit, as I'm not allowed to crack into the BBQ foods like the bacon and eggs until the Cyclone hits "In case we lose power"...
    • I love fastener joints, the price difference between them and joints like Bunnings or Super Cheap is amazing, and they either have exactly what you want, or they can get it to quick They have even given me some for free when I only needed a couple of specific size In saying this, I have paid premium for fasteners from Bunnings if they have the sizes I need, but only for convenience really, as my local is only 10 minutes away, the Sushi joint near them is also a consideration  How's the weather Matt? Stay safe mate
    • Wideband is worth setting up if only for tuning purposes. I would not mess with the ignition system unless there's a misfire. HKS crank trigger is popular out here for the relatively easily sourced Denso crank sensor, not a bad idea to install as well regardless of power level on a standalone. Boost leak test is worth thinking about. Oil pressure sensor tied to a fuel cut isn't a bad idea either. Getting the tune figured out is a good idea. Without putting eyes on it and getting under it there's no way for us to tell you exactly what it needs but most likely you're down to the last 10% that will make a big, big difference in how happy you are with the car.
    • Doing a refresh of my 33 and can see a few websites stating they sell the entire main carpet for our cars, but they all have generic photos which is fine, i understand they are custom made to order.  Just seeing if anyone has got it done or had any experience with this, as i would only want to do it if the fit and finish was as good as oem https://carmatsdirect.com.au/products/moulded-carpet-or-vinyl-for-nissan-skyline-r33-1993-1998-coupe https://knoxautocarpets.com.au/moulded-carpets/nissan/skyline/skyline-r-33-1993-1998/
×
×
  • Create New...