I recently bought a 4 bedroom investment property in Wyndham Vale after 1 year of looking in the market. I am not sure if this is the right decision as this is only one of the few suburbs I could afford. I was looking to buy in Clyde north but it was too out of my budget. The house I bought is decent in size and close to train station and amenities What are you thoughts moving forward in terms of property investment growth in this suburb?

I’m thinking about relocating from Victoria to Quesnel, I saw some nice places for sale near at good price and thinking about doing this as a financial move. What is the cost of living look like? What does the job market look like there? I’m from sales/hospitality/banking. I’m male single in my early 30s, what’s the dating scene look like? Is the rental market tight? I’m looking to become a landlord and gain some passive income if I do buy a property. Thanks

-Will bank allow it? Conditions?
-Leaving the house empty?
-If to be let, what are the conditions with the bank? Potential issues on the event of needing to use the house for myself in the future.
-To just resell? Don't think it's possible after using it for 4 years only.
What else?
​
*Moving to Australia as a permanent resident but might come back to Ireland.

This article explores the reasons why opting for non-combustible cladding is a legal requirement in many jurisdictions and a smart decision.
In recent years, the construction industry globally has witnessed several devastating incidents caused by the rapid spread of fires in high-rise buildings. These incidents have shed light on the crucial role of cladding materials in fire safety. Non-combustible cladding has emerged as a sensible and responsible choice for modern buildings, offering numerous advantages over combustible alternatives.
This article will explore the reasons why opting for non-combustible cladding in Australia is not only a legal requirement in many jurisdictions but also a smart decision to ensure the safety and well-being of occupants in Australia.
Fire Safety Regulations and Codes
Following tragic fire incidents, governments and regulatory bodies have implemented stricter fire safety regulations and codes for building construction. In many regions, these regulations now mandate the use of non-combustible cladding in high-rise structures. By complying with these regulations, building owners and developers demonstrate their commitment to protecting the lives of occupants and mitigating the risks associated with fire outbreaks.
Superior Fire Resistance
Non-combustible cladding, such as metal or mineral-based panels, offers superior fire resistance compared to combustible materials like timber or plastic-based composites. In the event of a fire, non-combustible cladding acts as a barrier, preventing the rapid spread of flames and limiting the potential damage. It significantly reduces the risk of fire engulfment, buying valuable time for the evacuation of occupants and enabling emergency response teams to effectively control the situation.
Reduced Fire Load
One crucial advantage of non-combustible cladding is its ability to minimise the fire load within a building. The fire load refers to the amount of combustible materials present in an enclosed space. By opting for non-combustible cladding, building owners can reduce the overall fire load and limit the potential fuel available to a fire. This proactive measure is essential in preventing the rapid development of fires and their devastating consequences.
Enhanced Structural Integrity
Apart from its fire-resistant properties, non-combustible cladding contributes to the structural integrity of buildings. Materials like steel or stone-based cladding systems are known for their durability and strength. They offer excellent resistance against external factors such as weather, impact, and deterioration, ensuring the long-term stability of the building. By choosing non-combustible cladding, architects and engineers can enhance the structural performance of the building, providing occupants with a safer environment.
Improved Insulation and Energy Efficiency
Non-combustible cladding options, particularly those incorporating insulation materials, can provide excellent thermal performance. These systems help regulate temperature, minimising heat loss during colder months and reducing heat gain in warmer climates. By improving insulation and energy efficiency, non-combustible cladding not only promotes environmental sustainability but also enhances occupant comfort and reduces energy consumption.
Positive Public Perception and Value
Choosing non-combustible cladding for modern buildings also has significant implications for public perception and value. With the increasing awareness of fire safety, prospective buyers, tenants, and investors are more likely to show a preference for properties with non-combustible cladding. Buildings equipped with such cladding systems convey a sense of reliability, responsibility, and commitment to safety. Consequently, these structures tend to attract higher market values and enjoy a competitive edge in the real estate industry.
Conclusion
Given the rising concerns regarding fire safety in buildings, opting for non-combustible cladding Australia is undoubtedly a sensible option for modern construction projects. Non-combustible cladding materials not only comply with fire safety regulations but also offer superior fire resistance, reduced fire load, enhanced structural integrity, improved insulation, and energy efficiency. Additionally, such cladding choices positively impact public perception and property value.

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I currently have a mortgage on a house that pays for itself in my home country (Ireland) and will soon be moving to London for career progression.
If I decide that I want to settle in London and buy an apartment but still hold onto the Irish property, in applying for mortgage in London would I have to disclose the existence of the Irish property, even though it is in a separate jurisdiction and tied to a separate bank account?

Before I dive into everything that has happened over the last couple of weeks I want to get a couple of things out of the way. I moved to this town four months ago because of a job offer: I was supposed to start working with a construction company. Second, I am not going to give you my last name. But I will tell you my first name, it's Tom. I am telling you all this, just in case. Ya know?
Anyway, I moved here four months ago. At first, the job offer seemed too good to be true. I was promised an apartment, full benefits, and grocery delivery twice a month. I was told the town was small, and honestly, it is! I am not used to living in a place like this. I mean, I saw the stars for the first time in my life the day I got to my new apartment.
The apartment itself is nice, I have two bedrooms and a good-sized bathroom. I have no complaints about any of the accommodations. Two weeks into moving here I was told that I would be starting at the end of the month. My boss told me that rent would be covered and gave me a list of things I needed for my first day.
As the end of the month came around I decided to go out and buy a new pair of work boots. I figured this would give me a good chance to get a look around town and maybe meet some people. I was mostly right.
The store was only a couple of blocks from my apartment building so instead of taking my truck I decided to walk. The town is cozy, ya know? Like everyone seems normal. Everything felt like it came out of a classic American novel though. So anyway, I went and got my boots and on the way home I decided to stop at a store and pick up the local newspaper.
When I got home and sat on my couch to crack open the newspaper, I could tell something was off right away. The story on the front page read “New Mayor Elected” and right below that, “Strange Lights in the Sky.” By itself, those two things would not raise red flags, but the pictures looked off. It’s hard for me to put into words but the photo of the new mayor looked both old and new. I scanned the page for a date and couldn’t find one. I figured that maybe something went wrong with the printing or something. After I gave the front page a good read I put the paper down and went to bed.
For two days I stayed home to make sure I was well rested. At this point, I had not purchased a tv yet and decided to jump on the opportunity and read more. On my way to pick up new boots, I noticed the town library and thought why not? I could get a couple of books and a new paper. The library itself is beautiful. The wood looks well maintained and the giant stone lions on either side of the staircase were extremely cool to look at the first time I saw them.
Heading into this library was just like walking into any other library. I don’t know what I was expecting. The outside was cool so I thought the inside would be more done up. As I walked through the aisle and scanned the books I could feel the hairs on my arms stand up. It was a weird feeling, something I had not experienced before this: It was almost like I was scared for no reason. As I pulled a book off of the shelf and read the cover I was extremely puzzled, for reference I was standing in the history section. The book read, “To Mars and Back. How America pioneered space travel.” It sounded more like a science fiction book to me, and there were a lot of other books like this. “They live among us, humanity's first contact with God.” or “The secret history of the Roman empire.” As I went through and examined more books I started to notice little scratches on the bookcase. They looked like tally marks. I followed them down the shelf until I found some writing. “Turn back” and “Go home” were scribbled on the shelf. I quickly stood up and clenched the book I was holding.
As I turned around I took one last look at the book in my hands before heading off to speak with a librarian. As I approached the counter I swear to god the woman behind the counter took my breath away. She was so beautiful, but it didn’t seem natural. I could feel the hairs on the back of my head stand up as I got closer to the desk. I decided to put the book down and leave. There was something inside of me, screaming at me to not speak to the woman. As I headed out of the building and walked down the staircase I noticed my hands were shaking. I was confused because technically, nothing happened.
I never bought a paper that day. Instead, I went home and went to sleep. Technically it was midafternoon, I had no idea why I was tired in the first place.
When I woke up the next day and went to check the mail, I found a rolled-up newspaper at my front door. I shit you not I have been getting a newspaper every day since that day. At first, I was interested in reading them, but the more I read the more I didn’t want to read. At the end of the month, I was waiting for a call from my boss, but the call never came. I tried to call him but his phone was disconnected.
As the next month rolled around I kept getting the newspapers. I stopped receiving normal mail, and I stopped wanting to live in this damn apartment. Two weeks into the new month I decided to call it quits and move back. I was not getting this job and my time here had been nothing but uncomfortable. So I packed my bags and stormed outside to climb into my truck. I was planning on leaving that day however, my tiers had been slashed.
I did what anyone would do, right? I called the damn police. They came promptly and once again I was met with the same feelings as when I saw the librarian. These men did not look real. Every inch of their faces looked…fake. I mean yes they were people but there was not a hair out of place. They were perfectly symmetrical in every way. The whole time I was filling out the police report my hands were shaking. My body was so tense I thought I was going to fall over on the spot. Once the situation was handled I ran back to my apartment. I was skipping steps as I went back upstairs. I felt like I could not get upstairs fast enough.
A couple of hours later I heard pounding at my door. I can’t stress this enough, the pounding scared the shit out of me. “WHO IS IT?!” I screamed. “Please! I need help!” A woman called back to me. I went to my front door, I wish I could tell you I did not hesitate but I did. I eventually opened the door for the women. She was an absolute mess, her makeup was running down her face and she was wearing pajamas. It will sound fucked up but I was so happy to see this woman, her crying gave me comfort. She did not look like the others, she looked real and natural. I asked her what happened and she told me her daughter had gone missing. I asked her if she called the police and she told me no. She said she wouldn’t, she told me her daughter wouldn't go to them either. I asked her what her daughter's name is, she told me her name is Zoey. We talked for what felt like hours before I told her I would keep my eyes open. She thanked me and went back to her apartment in tears. As I closed and locked my door I went to the pile of newspapers and opened the most recent one. I wanted to see if there was any mention of Zoey in the paper. The front page read, “Local man found dead outside of his home. No suspects.” below that there was another heading, “Local girl missing.” I checked for a name but it wasn’t Zoey. They are the same age though. As I scanned the paper I heard a scream come from down the hallway. I stood up quickly and rushed to my door, this time without hesitation I ripped it open and looked down the hallway. And that’s where I saw…it. One of the cops except it wasn’t a man. He had tight skin, he almost looked like a walking skeleton. His eyes were bulging out of his head, and his arms were larger. “Sir…” The thing said to me. I quickly turned and slammed the door shut. I locked all four locks and put the kitchen table up against the door. I haven’t left this apartment since. I did call my ex, she said she would come and get me but I don’t know how long I will be waiting. If this is fear, I have had enough. I can’t sleep and I am too scared to eat. It feels like my heart might explode like my whole perception of reality has changed.