u/dustbowlbride

If you’ve used the scheme - what price did you purchase your property for and what were your total out of pockets including the 2% deposit when all was said and done?

Hi,
I am just finishing my last unit before the exam unit and I have a few questions:

- Do you only get one attempt at the exam?
- Is the pass rate 80%?
- If you get a 2nd or 3rd attempt, do you need to redo the whole exam or just what you got wrong?

Interested to hear everyone’s experiences.

Help! I am in the queue but haven’t received a code. I signed up for the artist presale.

Hi. Does anyone have any recommendations for dash cam hardwiring installation? Was quoted $300 by a couple of places - is that standard? It’s for a front and rear camera and comes with the hardwire kit. Located southeast suburbs!

Hi. My broker is asking for documents to start the process of getting onto the scheme but I still am another 5-6 months away in my savings. How long do you have to buy a property once approved? I am anxious there will be no spots left by the time I am ready...
For context, I have enough for a 2% deposit now but want to have some extra savings behind me for any unexpected costs or emergencies.

Hi,
I am trying to decide which scheme would be best for my situation as I am hoping to buy an apartment or unit within the next year.

I am a 30 year old female on an income of 86k, full time. Currently at the end of a diploma to upskill in my current job, but it’s not guaranteed yet. I have had an initial appointment with a broker who said I’d be approved for a loan of up to 450k (this was back in March) but we would aim for 1 bed apartments/units around 350-380k. Ideally would like a 2 bed but they are not in my price range.

I am stuck between whether the 5% deposit scheme or the help to buy scheme would be best for me and my scenario.

I currently put away $1,000 a fortnight into my house deposit account so I know I can afford a mortgage of that size, however I am keeping in mind that there will also be additional costs such as rates, bills, and body corp fees potentially. I am fortunate right now to live with family, so with the exception of my car, phone bill, and my own groceries, my expenses are currently low. I did rent for 5 years prior to this so am aware what costs I am up for but realize it was also a different world prior to this and I didn’t have to pay rates etc as a renter.

I don’t want to leave myself “house poor”, although I do realize I will have to potentially pick up a 2nd job for the first couple of years at least of the mortgage if my income at my full time job doesn’t increase. I am happy to do this.

Although I do prefer the idea of the 5% scheme, I am interested to know how much money I could save by going with the HTB scheme. But then I am worried about the implications of what would happen if my income did exceed 100k? Or if I meet someone down the line and want out of the scheme?

Would love to hear some advice. Thank you!

Hi,
I am trying to decide which scheme would be best for my situation as I am hoping to buy an apartment or unit within the next year.

I am a 30 year old female on an income of 86k, full time. Currently at the end of a diploma to upskill in my current job, but it’s not guaranteed yet. I have had an initial appointment with a broker who said I’d be approved for a loan of up to 450k (this was back in March) but we would aim for 1 bed apartments/units around 350-380k. Ideally would like a 2 bed but they are not in my price range.

I am stuck between whether the 5% deposit scheme or the help to buy scheme would be best for me and my scenario.

I currently put away $1,000 a fortnight into my house deposit account so I know I can afford a mortgage of that size, however I am keeping in mind that there will also be additional costs such as rates, bills, and body corp fees potentially. I am fortunate right now to live with family, so with the exception of my car, phone bill, and my own groceries, my expenses are currently low. I did rent for 5 years prior to this so am aware what costs I am up for but realize it was also a different world prior to this and I didn’t have to pay rates etc as a renter.

I don’t want to leave myself “house poor”, although I do realize I will have to potentially pick up a 2nd job for the first couple of years at least of the mortgage if my income at my full time job doesn’t increase. I am happy to do this.

Although I do prefer the idea of the 5% scheme, I am interested to know how much money I could save by going with the HTB scheme. But then I am worried about the implications of what would happen if my income did exceed 100k? Or if I meet someone down the line and want out of the scheme?

Would love to hear some advice. Thank you!

Hi,
Does anyone know how much gene testing, specifically for familial dilated cardiomyopathy costs in Melbourne? And where to go? Recently have found out this runs in my family on my father’s side. Thank you!

Just picked up my 0.5 minoxidil tablets but terrified to start. Have been using topical for a year with not much success. I’m worried about side effects. I had a not great experience on 25mg of Spiro a year ago (not sure if it was interacting with my antidepressant at the time) and I’m scared the same thing is gonna happen with the OM.

I wish medication wasn’t the only way 😢