ugh, or the 'assist this guy with a new and exciting job' thread

[Apostrophe Spacemonkey]

Only problem with that is sorting out that 60k deposit for a reasonable home in Auckland.......

Yeah, I had some fun with that, but there are options availible

Are the options..

- Rob 60-100K from bank.
- Arrange meeting with same bank and loan the remainder of the house.

Actually, I used a guarantor on the deposit - which the bank was happy with, no money actually changes hands, just the bank is guaranteed on the deposit

Yes, this is a good idea.

If you can convince someone to go guarantor. i.e. like your parents, then the Bank will loan you the difference against their house.

How I think it works;

10% is what you could pay for a deposit

10% is what is loaned using the guarantor assets (i.e your mums house)

80% is loaned against your house.

[Apostrophe Spacemonkey]

So, which one of you guys wants to go guarantor for me?


I'm good for it. Trust me.

[Pyromanik]

Fuck buying a house.

Don't want no mortgage, son.

I'd rather be paying my own mortgage, then renting and paying someone else's mortgage.

So you're going to buy a house and rent it out while renting another place?

OR DID YOU MEAN THAN

[Apostrophe Spacemonkey]

I have shamed myself. Can you bring yourself to forgive my grammar?

[The Demon Lord]

Only problem with that is sorting out that 60k deposit for a reasonable home in Auckland.......

Yeah, I had some fun with that, but there are options availible

Are the options..

- Rob 60-100K from bank.
- Arrange meeting with same bank and loan the remainder of the house.

Actually, I used a guarantor on the deposit - which the bank was happy with, no money actually changes hands, just the bank is guaranteed on the deposit

Yes, this is a good idea.

If you can convince someone to go guarantor. i.e. like your parents, then the Bank will loan you the difference against their house.

How I think it works;

10% is what you could pay for a deposit

10% is what is loaned using the guarantor assets (i.e your mums house)

80% is loaned against your house.

Close - I did this (Parents through the same bank as me)

they loaned us 100% of the mortgage, however 15% of that - the 'deposit' was guaranteed against the equity of my parents house - their mortgage payments don't change, no money is changed hands from my parents to the bank - it is just guaranteed (until such time as I have payed off enough of the mortgage/houe price increases that I can get them removed as guarantor)

[Pyromanik]

some bread winnin' money.

Just give up and learn to code at night like Swindle did/is/tried.
http://codebabes.com (worst idea for a website ever, but whatevs).

[winter]

Only problem with that is sorting out that 60k deposit for a reasonable home in Auckland.......

Yeah, I had some fun with that, but there are options availible

Are the options..

- Rob 60-100K from bank.
- Arrange meeting with same bank and loan the remainder of the house.

Actually, I used a guarantor on the deposit - which the bank was happy with, no money actually changes hands, just the bank is guaranteed on the deposit

Yes, this is a good idea.

If you can convince someone to go guarantor. i.e. like your parents, then the Bank will loan you the difference against their house.

How I think it works;

10% is what you could pay for a deposit

10% is what is loaned using the guarantor assets (i.e your mums house)

80% is loaned against your house.

Close - I did this (Parents through the same bank as me)

they loaned us 100% of the mortgage, however 15% of that - the 'deposit' was guaranteed against the equity of my parents house - their mortgage payments don't change, no money is changed hands from my parents to the bank - it is just guaranteed (until such time as I have payed off enough of the mortgage/houe price increases that I can get them removed as guarantor)

Well shit, which bank? or did you already answer that and I'm blind.

[Apostrophe Spacemonkey]

Only problem with that is sorting out that 60k deposit for a reasonable home in Auckland.......

Yeah, I had some fun with that, but there are options availible

Are the options..

- Rob 60-100K from bank.
- Arrange meeting with same bank and loan the remainder of the house.

Actually, I used a guarantor on the deposit - which the bank was happy with, no money actually changes hands, just the bank is guaranteed on the deposit

Yes, this is a good idea.

If you can convince someone to go guarantor. i.e. like your parents, then the Bank will loan you the difference against their house.

How I think it works;

10% is what you could pay for a deposit

10% is what is loaned using the guarantor assets (i.e your mums house)

80% is loaned against your house.

Close - I did this (Parents through the same bank as me)

they loaned us 100% of the mortgage, however 15% of that - the 'deposit' was guaranteed against the equity of my parents house - their mortgage payments don't change, no money is changed hands from my parents to the bank - it is just guaranteed (until such time as I have payed off enough of the mortgage/houe price increases that I can get them removed as guarantor)

Well shit, which bank? or did you already answer that and I'm blind.

All Banks should do it.

I know Westpac does.
http://www.westpac.co.nz/home-loans/your-home-loan-options/family-springboard-/

[winter]

Only problem with that is sorting out that 60k deposit for a reasonable home in Auckland.......

Yeah, I had some fun with that, but there are options availible

Are the options..

- Rob 60-100K from bank.
- Arrange meeting with same bank and loan the remainder of the house.

Actually, I used a guarantor on the deposit - which the bank was happy with, no money actually changes hands, just the bank is guaranteed on the deposit

Yes, this is a good idea.

If you can convince someone to go guarantor. i.e. like your parents, then the Bank will loan you the difference against their house.

How I think it works;

10% is what you could pay for a deposit

10% is what is loaned using the guarantor assets (i.e your mums house)

80% is loaned against your house.

Close - I did this (Parents through the same bank as me)

they loaned us 100% of the mortgage, however 15% of that - the 'deposit' was guaranteed against the equity of my parents house - their mortgage payments don't change, no money is changed hands from my parents to the bank - it is just guaranteed (until such time as I have payed off enough of the mortgage/houe price increases that I can get them removed as guarantor)

Well shit, which bank? or did you already answer that and I'm blind.

All Banks should do it.

I know Westpac does.
http://www.westpac.co.nz/home-loans/your-home-loan-options/family-springboard-/

Radical, I'll look into this! cheers I should just springboard off of Demon's home, since we're family here right, Right?!

[The Demon Lord]

Only problem with that is sorting out that 60k deposit for a reasonable home in Auckland.......

Yeah, I had some fun with that, but there are options availible

Are the options..

- Rob 60-100K from bank.
- Arrange meeting with same bank and loan the remainder of the house.

Actually, I used a guarantor on the deposit - which the bank was happy with, no money actually changes hands, just the bank is guaranteed on the deposit

Yes, this is a good idea.

If you can convince someone to go guarantor. i.e. like your parents, then the Bank will loan you the difference against their house.

How I think it works;

10% is what you could pay for a deposit

10% is what is loaned using the guarantor assets (i.e your mums house)

80% is loaned against your house.

Close - I did this (Parents through the same bank as me)

they loaned us 100% of the mortgage, however 15% of that - the 'deposit' was guaranteed against the equity of my parents house - their mortgage payments don't change, no money is changed hands from my parents to the bank - it is just guaranteed (until such time as I have payed off enough of the mortgage/houe price increases that I can get them removed as guarantor)

Well shit, which bank? or did you already answer that and I'm blind.

All Banks should do it.

I know Westpac does.
http://www.westpac.co.nz/home-loans/your-home-loan-options/family-springboard-/

Radical, I'll look into this! cheers I should just springboard off of Demon's home, since we're family here right, Right?!

Pfft, I don't have enough Equity in my house yet - but yes, all banks should do it - although looking through the westpace site, the do it differently to how we have done it with our bank (PM'd Winter with this) - we just have one homeloan, none of this split business

[Apostrophe Spacemonkey]

Pfft, I don't have enough Equity in my house yet

I wondered what happened to Equity, haven't seen him post for ages.

[winter]

Pfft, I don't have enough Equity in my house yet

I wondered what happened to Equity, haven't seen him post for ages.

  miss u equity.

[Retardobot]

Pfft, I don't have enough Equity in my house yet

I wondered what happened to Equity, haven't seen him post for ages.

Half of him is in TDL's house.

[Apostrophe Spacemonkey]

Pfft, I don't have enough Equity in my house yet

I wondered what happened to Equity, haven't seen him post for ages.

Half of him is in TDL's house.

TDL wears his skin as clothes.

[The Demon Lord]

Pfft, I don't have enough Equity in my house yet

I wondered what happened to Equity, haven't seen him post for ages.

Half of him is in TDL's house.

TDL wears his skin as clothes.

Has anyone got some kidney beans with a nice Chianti?

[winter]

Well, I suppose I should update this since the update is relevant.  Going to be buying our first home using part of our inheritance as a deposit AND I'm going for a new job as an IT coordinator (junior engineer) for a big company doing what I'd studied in all of those years ago ahah.

Fingers fuckin' crossed.

[Pyromanik]

^ Hawt diggity sheeat bro, good lucks!

Pfft, I don't have enough Equity in my house yet

I wondered what happened to Equity, haven't seen him post for ages.

  miss u equity.

After years of being a classic joker living the breasy life, he got all serious face and became a teacher.
Plus no one plays CS:S anymore.

[Apostrophe Spacemonkey]

Well, I suppose I should update this since the update is relevant.  Going to be buying our first home using part of our inheritance as a deposit AND I'm going for a new job as an IT coordinator (junior engineer) for a big company doing what I'd studied in all of those years ago ahah.

Fingers fuckin' crossed.

That's awesome.

There's a new IT coordinator at our company, but he has no beard, so he can't be you.

[Apostrophe Spacemonkey]

After years of being a classic joker living the breasy life, he got all serious face and became a teacher.
Plus no one plays CS:S anymore.

I don't play any games anymore. I'm all grown up and responsible and stuff, but for some reason still hang out here.

[winter]

Well, I suppose I should update this since the update is relevant.  Going to be buying our first home using part of our inheritance as a deposit AND I'm going for a new job as an IT coordinator (junior engineer) for a big company doing what I'd studied in all of those years ago ahah.

Fingers fuckin' crossed.

That's awesome.

There's a new IT coordinator at our company, but he has no beard, so he can't be you.

Hah, I haven't started or gotten the job yet anyhow! If I have to get rid of my beard I will sob manly tears.
Which I think are saw dust and bits of jib.

[Speakman]

THE BEARDS - SHAVED OFF HIS BEARD

[Tiwaking!]

The company Intergen had its annual recruiting drive here in Invercargill today

You can check out their graduate requirements if you want. It might give you some idea of what you would be interested in

http://www.intergen.co.nz/graduates/


Introducing Intergen 2013