ROB83R Member 1,632 Member For: 8y 7m 16d Gender: Not Telling Location: Radioactive wasteland Posted 02/02/17 01:48 PM Share Posted 02/02/17 01:48 PM 2 hours ago, Ford Freak said: hmm yer I will investigate over the weekend. I dont even know what my rates are atm. :/ Gotta stay on top of that shagga. Throwing cash away otherwise to these greedy kents. 3.9ish is where you should be. Link to comment Share on other sites More sharing options...
skidxr6t skids Donating Members 2,754 Member For: 12y 7d Gender: Not Telling Posted 02/02/17 11:45 PM Share Posted 02/02/17 11:45 PM (edited) 16 hours ago, k31th said: you can put yourself into serious financial trouble if you spend too much at the wrong times. yeah, I agree on that matter..... a few years back I wasn't responsible and I discovered that the bank would let me overdraw my credit card by thousands of dollars. got into abit of poo when it was thousands of dollars over the limit and the big golden money tap was turned off. also was on one of those points cards for qantas and quickly switched to one with reasonable interest costs. now I still have that card but the balance was paid off in full recently (not with proceeds from my car). Edited 02/02/17 11:45 PM by skidxr6t Link to comment Share on other sites More sharing options...
.Stripes. All stock bar the k&n panel filter Silver Donating Members 8,061 Member For: 12y 9m 22d Gender: Male Location: Perth Posted 03/02/17 05:21 AM Share Posted 03/02/17 05:21 AM So apparently the engineer now doesn't think the way the new beams are bolted in is sufficient, so wants them seam welded on the top. Really glad I got this put in the contract!Seller also tried to stooge me when I said he needs to replace the smoke alarms coz they're out of date and need new ones hard-wired in, saying that he's already having to spend much more on the patio than he'd originally intended, so if I wanted smoke alarms that's probably something I'd need to do myself. I sent him a very polite and well worded email informing him is a legal requirement for HIM to get it done when selling a house and attached a couple of documents from my settlement agent stating as such. Got an email back saying sparky coming out mid next week. 2 Link to comment Share on other sites More sharing options...
Puffwagon Puff Gold Donating Members 16,024 Member For: 9y 11m 6d Gender: Male Location: South Australia Posted 03/02/17 05:39 AM Share Posted 03/02/17 05:39 AM Gee they must be bolted in pretty crappily to warrant them being welded. After so many attempted stoogings I'm sure you'll make sure you don't get stooged. 1 Link to comment Share on other sites More sharing options...
bossmang FREAKY Donating Members 12,433 Member For: 15y 10d Gender: Male Location: Melbourne Posted 03/02/17 06:01 AM Share Posted 03/02/17 06:01 AM 18 hours ago, Puffwagon said: Ha my missus reckons I should call the bank tomorrow. haha what have I started 16 hours ago, ROB83R said: Gotta stay on top of that shagga. Throwing cash away otherwise to these greedy kents. 3.9ish is where you should be. yer I will find out what mine is I think. agree they all kents. fek im paying high 4. something. they will reduce to 4.0 and without hesitation anything so far. that's without any offset account bizzo. ntb. they will ring again monday to look into offset account thingo and ill bargain some more. they were about to close so just got in time. ahah apparently I have 2 seperate variable accounts with different rates fml. I guess pays to keep on top of what they are doing. didnt get the time last year fkn work was hecktic didnt think about it. whats everyone else done? one big loan or 2 separate ones with different rates n features and what not? as you can tell this is not my speciality. :( 1 Link to comment Share on other sites More sharing options...
.Stripes. All stock bar the k&n panel filter Silver Donating Members 8,061 Member For: 12y 9m 22d Gender: Male Location: Perth Posted 03/02/17 06:47 AM Share Posted 03/02/17 06:47 AM I'm on the fence atm about splitting mine into two and locking in a chunk of the mortgage into a fixed rate for a couple of years...but just not sure coz that could screw me over if the things keep going well with the missus and we ended up going in together before that point... 1 Link to comment Share on other sites More sharing options...
bloodycrashboy Feeling the Love :-) Bronze Donating Members 4,421 Member For: 11y 9m 4d Gender: Male Location: Not in Cairns anymore Posted 03/02/17 08:25 AM Share Posted 03/02/17 08:25 AM Always good to not have all your eggs in one basket.Half of your loan fixed is always a viable option, just ask anyone who had a variable rate loan in the late 80's/early 90's Link to comment Share on other sites More sharing options...
Wilko16 Donating Members 1,672 Member For: 17y 1m 14d Gender: Male Location: Melbourne Posted 03/02/17 08:56 AM Share Posted 03/02/17 08:56 AM Yeah but late 80's/90's most people didn't have $400,000 loans That's the average these days Also my home loan is 4.19% fixed for 5 yearsWith 100% offset So definitely push your bank and see what you get, how long have you had the loan? Sometimes a refinance will save you a sh*t ton of money as well Link to comment Share on other sites More sharing options...
Puffwagon Puff Gold Donating Members 16,024 Member For: 9y 11m 6d Gender: Male Location: South Australia Posted 03/02/17 09:07 AM Share Posted 03/02/17 09:07 AM I grew up in the 80's fwiw. I made sure that I can pay a month's worth of mortgage with less than a week's wage. Plus fark paying the bank any more interest than I have to. 2 Link to comment Share on other sites More sharing options...
bloodycrashboy Feeling the Love :-) Bronze Donating Members 4,421 Member For: 11y 9m 4d Gender: Male Location: Not in Cairns anymore Posted 03/02/17 10:06 AM Share Posted 03/02/17 10:06 AM 1 hour ago, Wilko16 said: Yeah but late 80's/90's most people didn't have $400,000 loans I know people who lost their homes cos they could not keep up with the interest rate. loans may have doubled but so have wages Link to comment Share on other sites More sharing options...
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