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March 31, 2022

Why won’t lenders give you a 100% home loan any more?

Your parents could give you deposit money as a gift or you could inherit the money.
You could sell an asset, such as shares, to fund your deposit.
You could use equity in another property you own.
A first home owners grant can count as part of a deposit.

The genuine savings rule is the tricky issue with the options above (and the fact that not everyone can take advantage of gifts or assets). But if money from a gift, sale or inheritance has been sitting in your account for three to six months most lenders will accept it as genuine savings regardless.

Get a low deposit mortgage

Lastly, you can save a 5% deposit the old-fashioned way and look for a low deposit home loan. There are many mortgages out there which you can get with a 5% or 10% deposit.

How do you spot a low deposit home loan? Look at the maximum insured loan to value ratio (LVR), which should be 90–95%. A 90% LVR means a 10% deposit.

by Chambergate Admin

March 31, 2022

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March 31, 2022

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March 31, 2022

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Etiquette for Sending and Requesting Snapchat Nudes and Naked Pics

If you’re new to Snapchat, you must first download the Snapchat app. Then, you can directly link to the “Add Friend” page. Some Snapchat accounts may have an approval process that requires a brief waiting period.

Once you’re added, you can see the “free” content like nude photos, nude “stories” (which are only up for a limited time) and perhaps other free features.

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But of course whenever you hear the trigger words “Yes, you can send nudes!” it’s important to read the asterisk note and make sure you’re doing it right! Failure to follow etiquette could get you blocked by a very friendly pornstar.

Do NOT send nude snaps as soon as you are approved by the account holder. Instead, look around, view their free content and check their profile. Do you have to subscribe inner circle before you chat? Are there other steps to take before opening a chatbox?

The safest approach is to start flirting first and then establish a rapport with your new Snapchat friend.

by Chambergate Admin

March 31, 2022

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Get a low deposit mortgage

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Sending Snap Nudes to your Favorite Models

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