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  1. #191
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    SpecialPatrolGroup is offline T-rex is cranky until she gets her coffee.
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    Default Re: pets and renting

    Quote Originally Posted by Kimberleygal1 View Post
    What has staying at home with kids got to do with renting over having a mortgage? If one can afford to pay rent then surely they can afford to start somewhere by buying a home. Whether they have kids or not is irrelevant.
    It's a little thing called a deposit that causes people difficulty. I agree that you clearly are not really in a position to be speaking for the average 'little Aussie battler'. I own my home, not outright but I bought it, but I don't believe I would be in this position had my parents still been alive, but they are not and my sister and I had to sell or family home after dad died. Otherwise DH and I would likely still be renting

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  2. #192
    London's Avatar
    London is offline “I think we're losing our sense of humor instead of being able to relax and laugh at ourselves" - Betty White
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    By the time this argument is over OP would have bought a dog and trained it to dig for treasure so she can buy a home and not have to hide the dog.

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  4. #193
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    Default pets and renting

    I have a much higher than average income and I only JUST managed to buy a house in the cheapest, crappiest suburb 50km away from my work, family and friends because my parents used their home to guarantee my mortgage. I am here to tell you it is simply out of reach of many many people.

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    Quote Originally Posted by Kimberleygal1 View Post
    We will have to agree to disagree then. I believe anyone that's rentingcan buy particularly with the first home owners grant.
    For what price? Tell me how an average worker can afford 450k?
    Thats not in a good suburb.
    Im sorry but im not moving to the cheapest area which have junkies, gun crime, assault etc simply because I can afford To buy there.
    I live in a working class suburb which has a really bad rap already and is looked down upon and you will not find a house here under 450k. (not that it's actually a bad place just the stigma attached)

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    Default pets and renting

    Quote Originally Posted by Kimberleygal1 View Post
    We will have to agree to disagree then. I believe anyone that's renting can buy particularly with the first home owners grant.
    Maybe we could have before so many people started buying investment properties to secure their children's future.

    All the first home owners grant did was help artificially inflate house prices.

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    Default pets and renting

    In the city I live, you cannot get a house for a family for under $400k and finding one at that price is not easy. I'm not talking a huge house, I'm mean a basic 2-3 bedroom house or townhouse out in the burbs.

    A 10% deposit is 40k (and almost all banks require at least 10% these days) + 13k stamp duty + 2k in legal fees and loan application fees = $55k for a deposit at a minimum. Take away 7k first home buyers and thats $48k. With an average mortgage payment of about $2,000 a month.

    There is just no way everyone who rents can afford to save up $48,000 and then pay $500 a week on a mortgage.

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    Quote Originally Posted by Clementine Grace View Post
    In the city I live, you cannot get a house for a family for under $400k and finding one at that price is not easy. I'm not talking a huge house, I'm mean a basic 2-3 bedroom house or townhouse out in the burbs.

    A 10% deposit is 40k (and almost all banks require at least 10% these days) + 13k stamp duty + 2k in legal fees and loan application fees = $55k for a deposit at a minimum. Take away 7k first home buyers and thats $48k. With an average mortgage payment of about $2,000 a month.

    There is just no way everyone who rents can afford to save up $48,000 and then pay $500 a week on a mortgage.
    Yes you are right.
    The repayments on 400k are around the $700 a week mark or more depending on interest plus a 50k deposit. Then Childcare costs, before after school care, insurance, car, food, bills, council, water etc

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  12. #198
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    headoverfeet is offline The truth will set you free, but first it will **** you off. -Gloria Steinem
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    I haven't read past this comment but had to reply..

    Quote Originally Posted by Kimberleygal1 View Post
    We will have to agree to disagree then. I believe anyone that's renting can buy particularly with the first home owners grant.
    Can you please tell me how? We earn over $120,000 a year we have no debt yet we still cannot buy our own home because my partner is a contractor, he has been looking for a fulltime job since he was fired after a work place accident that left him burnt over 2 years ago. We are stuck renting because of this.

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    Default pets and renting

    Could you tell me how to save my deposit while paying rent? Coz over half our income goes towards rent so how do we save a deposit? You have a very naive view if you think anyone is capable of saving up a deposit and also getting approved for a mortgage!

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    Default pets and renting

    Quote Originally Posted by Janesmum123 View Post
    Yes you are right.
    The repayments on 400k are around the $700 a week mark or more depending on interest plus a 50k deposit. Then Childcare costs, before after school care, insurance, car, food, bills, council, water etc
    Plus what if the fridge breaks, your elderly mother needs help paying for medical treatment, your child needs to see a specialist, you need to go to the dentist, the roof needs fixing. If every cent goes to a mortgage there would be nothing left.

    For SO many families $500-700 a week for a mortgage is just not possible.

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