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Valen
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Joined: 07 Jul 2004
Posts: 4431
Location: Sydney


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Depending on having housemates to pay the mortgage isn't a great plan (And the bank probably won't factor their input in too much).
Make sure you can service the loan by your self if you need to, and still live.
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Mechanical engineers build weapons, civil engineers build targets

Post Mon Nov 30, 2015 12:06 pm 
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kato



Joined: 11 Dec 2010
Posts: 92
Location: 4505


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Don't be afraid to go bank shopping. If you get a better deal somewhere else, make sure you go back to your original bank and ask them to sharpen their pencil - they won't "beat it by 10%" like Bunnings but might be able to drop a point or two.

Post Mon Nov 30, 2015 2:37 pm 
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Knightrous
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Joined: 15 Jun 2004
Posts: 8490
Location: NSW


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Factor in these few things:

Rates - The council sends you these nasty things every few months. I pay around $2500/yr on rates on my properties in QLD.

Maintenance - You will at times need to do some work on your house. It could be as simple as painting the house, replacing a hot water system or a leaky roof.

Unemployment - Come up with a plan in case you suddenly become unemployed. Some banks do offer insurance for these situations.

Insurance - Depending on your bank, this will most likely be mandatory to get your loan, but it's something you should have regardless.
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Post Mon Nov 30, 2015 2:55 pm 
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Valen
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Joined: 07 Jul 2004
Posts: 4431
Location: Sydney


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oh, fyi lenders mortgage insurance, isn't for you, it insures the bank against you defaulting on the loan.
The bank (or insurance company) will still take your house
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Post Mon Nov 30, 2015 6:00 pm 
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Philip
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Joined: 18 Jun 2004
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Location: Queensland near Brisbane


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Paris climate change conference

How ironic is it when thousands of people fly around the world to work out how to burn less fossil fuels. Teleconference perhaps.
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So even the rain that falls isn't actually going to fill our dams and our river systems

Post Sat Dec 12, 2015 6:36 am 
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Knightrous
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Joined: 15 Jun 2004
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Re: Paris climate change conference

quote:
Originally posted by Philip:
How ironic is it when thousands of people fly around the world to work out how to burn less fossil fuels. Teleconference perhaps.


That might be possible if we had a fiber optic based national broadband network which could be a sophisticated infrastructure back bone to provide Australia with such functionality.

Heck, with a fiber network, you could even do Video Conferencing Shocked
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Post Sat Dec 12, 2015 3:15 pm 
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Loyd



Joined: 06 Feb 2018
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LOL

Post Wed Feb 07, 2018 7:23 pm 
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