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The Bar For non Automotive Related Chat |
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18-06-2023, 09:55 AM | #2701 | |||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,434
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Quote:
I'm at 6.52%. Asked the broker to knock it back into the 5s as comparable product is mid 5s if I were to refinance. Let's see how that goes but you ask for nothing you get nothing |
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18-06-2023, 03:41 PM | #2702 | ||||
FF.Com.Au Hardcore
Join Date: Jul 2005
Location: Melbourne
Posts: 6,918
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Quote:
How does one pay a mortgage that size? Easy. Cut down on the smash avos and ask those who survived the early 90s for advice. Quote:
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~~~~~~~~~~~~~~ Rides (past and present) Current: 2004 Ford Falcon 5.4L 3v Barra 220, Manual Past: Mitsubishi Sigma (m), Toyota Seca (m), Toyota Seca SX (m), Toyota Vienta V6 (m), Toyota Soarer 4L v8 (a), BA XR8 ute (m), T3 TE50 (m), BMW Z4 (m) AFF motto - If contrary views trigger, please use ignore button. |
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18-06-2023, 05:47 PM | #2703 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 22,352
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The imported crowd are going absolutely gangbusters in my area again now, it’s almost at the point where you’re afraid to leave the house in case they demolish it “by accident” while you’re at the shops. No council oversight worth a cracker, no notifications, no footpath permits or pedestrian measures, just the Wild West all over again.
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18-06-2023, 05:53 PM | #2704 | ||
Bolt Nerd
Join Date: Jan 2005
Location: Ojochal, Costa Rica (Pura Vida!)
Posts: 14,818
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Great time to be considering a career as a mortgage broker?
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Current vehicles.. Yamaha Rhino UTV, SWB 4L TJ Jeep, and boring Lhd RAV4 Bionic BF F6... UPDATE: Replaced by Shiro White 370z 7A Roadster. SOLD Workhack: FG Silhouette XR50 Turbo ute (11.63@127.44mph) SOLD 2 wheels.. 2015 103ci HD Wideglide.. SOLD SOLD THE LOT, Voted with our feet and relocated to COSTA RICA for some Pura Vida! (Ex Blood Orange #023 FPV Pursuit owner : ) |
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18-06-2023, 07:41 PM | #2705 | ||
Experienced Member
Join Date: Sep 2006
Location: Australasia
Posts: 7,657
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I live out near the western suburbs of Melbourne, and I can assure you house building is going gang busters to the number of new homes popping up daily, interest rate hikes don't seem to be slowing anything down as to what I see.
Plenyt of McMansions being built in the mix. |
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18-06-2023, 10:29 PM | #2706 | ||||
Where to next??
Join Date: Oct 2006
Location: Sydney
Posts: 8,893
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Quote:
Quote:
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___________________________ I've been around the world a couple of times or maybe more....... |
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19-06-2023, 03:51 AM | #2707 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 22,352
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Not sure if it’s a correct perception, but the last few weeks it seems there’s been less use of late night Uber rides in my area, and on the roads generally less food delivery scooters/bikes throughout the day. Are people actually trimming a little fat from their spending, or is it just a seasonal lull?
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19-06-2023, 06:20 AM | #2708 | |||
FF.Com.Au Hardcore
Join Date: Dec 2009
Posts: 3,608
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Quote:
To be expected if your rent or your mortgage payments increase you have to cut back. |
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19-06-2023, 08:47 PM | #2709 | ||
BANNED
Join Date: Jul 2012
Posts: 2,886
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One of my sons did it 5 years ago...now on a shed load of money.
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19-06-2023, 08:48 PM | #2710 | |||
BANNED
Join Date: Jul 2012
Posts: 2,886
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Quote:
yeah knew that...was going to say 7% but the trolls would have a feeding frenzy
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21-06-2023, 08:10 PM | #2711 | ||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,434
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3 business days and not even an acknowledgement of my email. Not even a "yep we are on it"
Bloke at work shows me email from his broker where they automatically reviewed it and got him a cut without even asking See what they come up with eventually but based on last time I'm not optimistic and maybe should kick em to the kerb and go back to my old broker since the restraint of trade is over. |
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23-06-2023, 09:35 PM | #2712 | |||
FF.Com.Au Hardcore
Join Date: Apr 2005
Location: Canberra
Posts: 13,434
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Quote:
Maybe I scared them too much with my expectations |
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24-06-2023, 12:42 PM | #2713 | |||
FF.Com.Au Hardcore
Join Date: Jul 2005
Location: Melbourne
Posts: 6,918
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Quote:
Just got a note from my bank saying I'll be moved on to 6.4 when I fall off that cliff, and that's apparently with a "loyalty discount". My broker has already found me 6.1 with another couple of banks, both with cashback offers that is hard to refuse. I thought banks had stopped with the cashback offers, but apparently its still going.
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~~~~~~~~~~~~~~ Rides (past and present) Current: 2004 Ford Falcon 5.4L 3v Barra 220, Manual Past: Mitsubishi Sigma (m), Toyota Seca (m), Toyota Seca SX (m), Toyota Vienta V6 (m), Toyota Soarer 4L v8 (a), BA XR8 ute (m), T3 TE50 (m), BMW Z4 (m) AFF motto - If contrary views trigger, please use ignore button. |
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27-06-2023, 09:55 PM | #2714 | ||
BANNED
Join Date: Jul 2012
Posts: 2,886
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With other countries raising 50 basis points last week,
I am tipping another RBA increase next week. Aus rates are amongst the lowest in the world....still
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27-06-2023, 10:38 PM | #2715 | ||
FF.Com.Au Hardcore
Join Date: Feb 2005
Posts: 5,070
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28-06-2023, 06:44 AM | #2716 | ||
FF.Com.Au Hardcore
Join Date: Sep 2014
Location: A.C.T
Posts: 1,606
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Nope.August at the earliest. 1 in 4 chance of them being raised.
__________________
2022 Honda HRV e:HEV in Premium crystal red. |
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28-06-2023, 06:52 AM | #2717 | ||
FF.Com.Au Hardcore
Join Date: Sep 2014
Location: A.C.T
Posts: 1,606
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Correct, we are well in the top ten, around 5th to 7th position.
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2022 Honda HRV e:HEV in Premium crystal red. |
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28-06-2023, 09:14 AM | #2718 | ||
FF.Com.Au Hardcore
Join Date: Jul 2005
Location: Melbourne
Posts: 6,918
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Monkey see no monkey does.
13 rises and barely makes a dint in inflation. Let's go for 20.
__________________
~~~~~~~~~~~~~~ Rides (past and present) Current: 2004 Ford Falcon 5.4L 3v Barra 220, Manual Past: Mitsubishi Sigma (m), Toyota Seca (m), Toyota Seca SX (m), Toyota Vienta V6 (m), Toyota Soarer 4L v8 (a), BA XR8 ute (m), T3 TE50 (m), BMW Z4 (m) AFF motto - If contrary views trigger, please use ignore button. |
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28-06-2023, 09:20 AM | #2719 | |||
FF.Com.Au Hardcore
Join Date: Jan 2007
Location: Port Lincoln, SA
Posts: 5,134
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Quote:
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cheers Shaun Current SY FPV F6X Territory #214 Previous FG MkII G6E Turbo built by Heinrichs Performance and Tuning BFII FPV TORNADO #0021 351rwkw - Heinrich Performance and Tuning "Milk is for babies. When you grow up you have to drink beer" - Arnold Schwarzenegger |
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28-06-2023, 09:35 AM | #2720 | ||
DIY Tragic
Join Date: Apr 2018
Location: Sydney, more than not. I hate it.
Posts: 22,352
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They’re offering pretty good term deposit rates as well. Almost to the point where I wonder if it’s sustainable.
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28-06-2023, 10:05 AM | #2721 | ||
FF.Com.Au Hardcore
Join Date: Apr 2012
Location: Taromeo
Posts: 10,584
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We are lucky with our home loan. We locked it in before the pandemic at 2.54% until the end of 2025. Hopefully it should be paid out by then.
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28-06-2023, 11:20 AM | #2722 | ||
The 'Stihl' Man
Join Date: Jan 2005
Location: TAS
Posts: 27,584
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Well we are potentially in the market in the next 6-12 months so I may just hold out renting for a bit longer to see how things fall out around the end of the year. Maybe even wait to the end of next year at worst.
@Zilo you are correct, most of the new builds are rubbish in my opinion so we would most likely opt for something from the 80's/90's. For us the entry level is 700-750 and I just dont see the quality at all.
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28-06-2023, 11:37 AM | #2723 | |||
FF.Com.Au Hardcore
Join Date: Sep 2014
Location: A.C.T
Posts: 1,606
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Quote:
__________________
2022 Honda HRV e:HEV in Premium crystal red. |
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28-06-2023, 11:41 AM | #2724 | ||
Cabover nut
Join Date: Aug 2015
Location: Onsite Eastcoast
Posts: 11,270
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I guess that would depend on where you are looking. But agree most new builds are shockers.
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heritagestonemason.com/Fordlouisvillerestoration In order that the labour of centuries past may not be in vain during the centuries to come...... D. Diderot 1752
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28-06-2023, 11:45 AM | #2725 | ||
FF.Com.Au Hardcore
Join Date: Sep 2014
Location: A.C.T
Posts: 1,606
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Every state is on the rise, there is just no way of avoiding it, all the major capitals are experiencing it. I have to disagree on new builds, we bought last year, cannot fault the home, very well built, quality inclusions.7.2 star energy rating.
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2022 Honda HRV e:HEV in Premium crystal red. |
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28-06-2023, 12:00 PM | #2726 | |||
Cabover nut
Join Date: Aug 2015
Location: Onsite Eastcoast
Posts: 11,270
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Quote:
I tend to look beyond the pretty finishes, and look at timber frame quality, slab construction and ground work but that's just me being in the construction industry. Funny how when you mention "depends on where it is" and everyone assumes you are talking about cities. Not everyone wants to live in the cities.
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heritagestonemason.com/Fordlouisvillerestoration In order that the labour of centuries past may not be in vain during the centuries to come...... D. Diderot 1752
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28-06-2023, 12:22 PM | #2727 | |||
FF.Com.Au Hardcore
Join Date: Sep 2014
Location: A.C.T
Posts: 1,606
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Quote:
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2022 Honda HRV e:HEV in Premium crystal red. Last edited by hackney; 28-06-2023 at 12:28 PM. |
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28-06-2023, 01:10 PM | #2728 | |||
Cabover nut
Join Date: Aug 2015
Location: Onsite Eastcoast
Posts: 11,270
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Quote:
Just far enough to keep the ever demanding commuters out. Low prices = low rates and a lower cost of living. I reckon if I still lived in $ydney I would be earning upwards of 1/2 million bucks a year but would need double that to live my lifestyle, while being stuck working 7 days a week. All to buy an overpriced roach invested/termite ridden dump in the burbs. It's like the old saying, how to make a successful million $ a year business, start with 2 million.
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heritagestonemason.com/Fordlouisvillerestoration In order that the labour of centuries past may not be in vain during the centuries to come...... D. Diderot 1752
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28-06-2023, 02:03 PM | #2729 | |||
Kicking back
Join Date: Dec 2013
Location: Western sydney
Posts: 8,675
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Quote:
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28-06-2023, 02:21 PM | #2730 | |||
Cabover nut
Join Date: Aug 2015
Location: Onsite Eastcoast
Posts: 11,270
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Quote:
There are jobs in every part of the country if you are willing to take them. Doesn't matter whether you are in trades, professional or unskilled, people are too worried about chasing big money most of the time along with greed. You usually do not require the same amount of hours/work living in a country town as the costs are lower unless you've bought into the whole consumerism lifestyle. I would rather travel 1500km and stay very close by or onsite while doing a job, than commute in a city. This way you get to experience different places and not stagnate in one place/job holding out for retirement, to go buy a place in the country so you can relax or buy a grey nomad lifestyle when its too late. I like to think we've done all this in reverse.
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heritagestonemason.com/Fordlouisvillerestoration In order that the labour of centuries past may not be in vain during the centuries to come...... D. Diderot 1752
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