u/Aromatic-Switch4908

Have been continuously rejected even after offering max price, in 12 months the area we’ve been looking at has gone up by about 140k according to cotality… this is also an area that is well outside our comfort zone for how far away we wanted to move (1hr away from city/work) at this point what is the point? Continue to exhaust ourselves and face rejection after rejection and be priced out of housing even an hour out or should we just say fuck it and move to somewhere like Thailand or Bali and find an online job and actually have a more free life… seriously what is the point? (Our price range is up to a million as well) if we have our offer accepted, we’d be paying an overstretched mortgage for 30 years when only a year ago the same house would have gone for 860k… this level of price rise should be illegal and seems inherently and obviously beyond unfair. How is it even allowed?

What is the point? I’m losing my mind… why do we all subscribe to the scam of the housing market here? Is this really what it means to be in the lucky country? Coz it sure as shit doesnt feel like we are very lucky. Seems like we’ll be working til our last breath just to have a modest roof over our head.

My partner and I have a pre approval for a home with NAB through a broker and have made an offer on a house, however the real estate agent wants us to put down an unconditional offer when it comes to finance. It’s also to use the 5% FHB deposit scheme.

My issue is that I am one month in to a probationary period at a new full time role with a probation of 6 months, my current boss says I have nothing to worry about and go for it (make the offer on the property)

Work history is all in the same industry, from

Nov 2022 until August 2024 I was casual (full time hours) with company A

August to end of November 2024 I was full time with company B

Career break from December 2024-mid April 2025

April 2025 to April 2026 casual (full time hours) with company C

Now 1 month in to a new job which is on a 6 month probation.

Is NAB likely to have any issues with my employment history here when it comes to final unconditional approval on a house? Mainly my career break and the fact I’ve mostly been casual even though it was always full time hours? Should I be risk averse just in case and leave the subject to finance clause in? How far back to they check your employment history when you are on a probation and what kind of evidence do they ask for? Payslips or just income statement? (I’ve already submitted income statements as part of pre approval).

Please let me know your advice and thoughts, thank you.

We are in our early 30s and wanting to buy our first home and limited to $950k with the 5% deposit scheme (we have about 17%). Our income is about 195k a year combined. Looking at something that is minimum 3 bedrooms but 4 is ideal.

I’m a Tradie, my partner is a childcare teacher, and my Parents in their early 60s live in Ferntree Gully area hence why the pull to potentially be closer to them in Boronia.

Having said that, we have also been eyeing off Frankston.

What are people’s thoughts on either Frankston/ Boronia, which one would you choose for overall benefits like lifestyle/faster equity gains / distance from the city.

Is Frankston likely to explode compared to boronia? Is the lifestyle that much better than Boronia as it’s near the beach? Does Boronia/surrounds have any factors that will increase its value more over time that I’m not considering?

Please let us know your thoughts if you have anything to add. Thanks.

P.s. we also have people saying don’t buy at 950k and buy 800k older house and renovate it to build value, but this seems like I may as well spend the higher amount in the first place and not have to go through renovations no?

We are in our early 30s and wanting to buy our first home and limited to $950k with the 5% deposit scheme (we have about 17%). Our income is about 195k a year combined. Looking at something that is minimum 3 bedrooms but 4 is ideal.

I’m a Tradie, my partner is a childcare teacher, and my Parents in their early 60s live in Ferntree Gully area hence why the pull to potentially be closer to them in Boronia.

Having said that, we have also been eyeing off Frankston, Victoria.

What are people’s thoughts on either Frankston/ Boronia, which one would you choose for overall benefits like lifestyle/faster equity gains / distance from the city.

Is Frankston likely to explode compared to boronia? Is the lifestyle that much better than Boronia as it’s near the beach? Does Boronia/surrounds have any factors that will increase its value more over time that I’m not considering?

Please let us know your thoughts if you have anything to add. Thanks.

P.s. we also have people saying don’t buy at 950k and buy 800k older house and renovate it to build value, but this seems like I may as well spend the higher amount in the first place and not have to go through renovations no?