#first home loan in gold coast

[must-home]

https://musthome.com.au/location/gold-coast/

Getting pre-approved for a home loan is key  when buying property on the Gold Coast. Must Home Loans' experienced broker team helps buyers secure loan pre-approval to give you a competitive edge. As an independent brokerage with access to over 20 lenders, we compare rates and products to get you the best loan terms and service level. Pre-approval shows sellers you are a serious, ready buyer and locks in a rate.

Contact Must Home Loans on +61 468 784 663 - we streamline the process to have you pre-approved fast. Start your Gold Coast property search today.

[le-monchou]

𝐔𝐧𝐝𝐞𝐫 𝐭𝐡𝐞 𝐒𝐞𝐚 || 𝐑𝐮𝐠𝐠𝐢𝐞 𝐁𝐮𝐜𝐜𝐡𝐢 || 𝐏𝐫𝐨𝐦𝐩𝐭: 𝐌𝐚𝐫𝐢𝐧𝐞 𝐋𝐢𝐟𝐞

literally a continuation of my day two: sea of lights this fic crossed my word limit twice (first 500 and then 700 so now i'm making it 1000 words) also tagging @midnightmah07 and @owlisbuffering

as you expected, you don’t see ruggie bucchi for quite a long time after rescuing him from those fishermen- no matter how long you stroll by the sea coast, the only response to his name is the gentle sea foam, something he called the tears of the moon. despite his self-attested illiteracy, the merman whose hair was as golden as the strands of silk woven by the moon from the sun had many stories to tell, and in the short time you knew him, you dared to think of him as more than a friend. 

you groan as you push your hands onto your face, blood rising in the places where they smacked you a little too hard. am i really so starved for romance that i decided to go after ruggie of all people? he’s not even a person!!!! he’s like spongebob- he lives at the bottom of the sea! you sigh as you remove your hands from your face, watching the sky turn a beautiful orange with the sun’s setting, the moon already risen a little bit in the distance. the area around you reminds you of the day you set him free, and you can’t help the second sigh that escapes your lips. 

taking the boat you’d been lent by one of the fishing crews, you set out into the ocean once again, looking for a nice place to sit and admire the moonlight on the water, waiting for a young man who’d probably never come. sitting on a comfortable-looking rock, you toss the petals of a flower ruggie had mentioned liking the look of when he was restricted to your small bathroom onto the surface of water and scream as bubbles pop up, accompanied by a shishishi you found all too familiar. 

“you!” you seethed as ruggie laughed, doing cartwheels with his entire body on the surface. “miss me?” ruggie teased, sharp canines glistening. “i mean, who else are you waiting for on this rock?” you roll your eyes as ruggie laughs once again before quieting down. “anyway, this is really good timing from both our ends- i’m gonna show you my place so you don’t have to worry!” 

“ruggie. how am i going to breathe underwater?” 

—

“oh woah,” you breathed in the air bubble ruggie had managed to create via a spell he asked the prince about (or so you assumed, because you were reading his lips and he was very distorted underwater), bouncing up and down in the tiny menagerie as ruggie dragged you towards the cave system. “this is where i live,” ruggie mouths as he pushes another vial of potion through the bubble, letting you leave the thing for a bit to swim with him. “this is my home.” 

“it’s wonderful, ruggie.” you smile as he flushes. “i’m serious. you could do so much with a cave system as big as this. show me more!” ruggie harrumphs with flushed cheeks before he grabs your hand and leads you inwards towards his room. at least, if he were human, that’s technically what it’d be, with all the human junk arranged around you and this gigantic skeleton hanging from the ‘ceiling’. “what do you think? arranged it all myself. i mean, leona and jack helped too, of sorts, but it was mostly me.” 

“this is lovely, ruggie!” you beam. “honestly, if i were a mermaid, i’d love to come here and chill with you. too bad i can only swim like this,” you chuckle as ruggie rolls his eyes fondly before kissing you on the cheek. “well, if not now, then maybe in the future,” ruggie starts as he leads you deeper into the cave system, showing you all the marvellous trash from the surface along with the little gems and pearls and gold they find. and as the two of you keep exploring, ruggie realises again that your time together with him is up, so he brings you back to the surface all too reluctantly as you kiss him close to his lips. 

“i loved tonight, ruggie.” you smile as you climb back onto the rock, the boat you loaned still bobbing on the waves of the ocean. “i know it’s a little too early to say this… but i love you, and i hope to see you soon.” something twists on ruggie’s face, something nice and hopeful, and he says nothing as he kisses you goodbye and dives back into the water all flushed, but you think you’ve found your happy ending. i love you, ruggie bucchi.

[ausetkmt]

An August poll by UC Berkeley found that most Californians oppose paying cash reparations to the descendants of the enslaved.

As a supporter of reparations, I found the results disappointing. But not surprising. Most of the state’s 40 million residents probably don’t know our dark history of enslavement. The poll didn’t provide that context, making it hard for people to feel responsible for something that happened long ago.

I grew up thinking mistakenly there was no slavery in California.

I got that impression in the fourth grade, the time when California students study our state’s history. My 1963 textbook, “California: Story of Our Past,” presented an idealized version of the conquest of California, with Indians delighted to meet the “kind and brave captain,” Juan Cabrillo, the first European to explore the coast. There was no mention of the deliberate killing of Native Americans or how they were forcibly kept at the 21 missions.

Fortunately, students today learn a more nuanced view of California history, including how Native Americans resisted colonization.

But the history of African Americans in California is not widely taught. And that is influencing public policy.

California was admitted to the union in 1850 as a free state, one where slavery was illegal. But slavery was integral to California’s origins, as two new studies, the recently released report by California’s Reparations Task Force as well as “California, A Slave State” by Jean Pfaelzer, illustrate.

As many as 1,500 people were enslaved in California, brought by their Southern enslavers to work in the gold fields. When some miners went bust, they sold off the men they enslaved. A June 17, 1852, notice in the San Francisco Herald advertised a “Negro for Sale” for $300, according to Pfaelzer.

California not only neglected to enforce the state’s slavery ban, it also passed harsh laws curtailing the rights of African Americans. The first governor of the state tried to ban African Americans from settling here. California’s version of the Fugitive Slave Act was more onerous than the national law.

I am a fifth-generation Californian who has written two books on the state’s history, but I didn’t learn about its slave-holding past until I read the task force’s report in June.

The lack of knowledge of the harm government did to Black residents may account for the poll, which shows that 59% of those queried oppose cash payments, even though 60% believe that Black Californians are still affected by the legacy of slavery.

A main reason for the opposition is “it’s unfair to ask today’s taxpayers to pay for wrongs committed in the past.”

But the poll didn’t detail the “wrongs committed in the past,” leaving respondents to rely on information they had already acquired.

One of the important aspects of the task force’s report is its exploration of how harms to Black Californians continued long after the Civil War. Government policies denied African Americans access to homes and loans through redlining, segregated them in substandard schools, and over-policed them.

The task force recommends numerous remedies, not just cash payments, to repair this harm, such as easy access to home loans, free education, and community-based health and cultural centers. None of these options were mentioned in the poll.

In 2019, Gov. Gavin Newsom apologized to Native Americans for the state’s role in nearly obliterating them. It’s time for California to acknowledge the harms it did to its Black residents.

So far, Newsom has been mostly mum on the task force’s recommendations. He may be waiting until January when the Legislature will address the report.

But that is too late. If an important part of repair is shedding light on historical harms, officials must educate voters about California’s dark history. Only then will people realize that reparations are not handouts, but a debt owed for past harms. And without that fundamental realization, support for reparations will remain low.

[meaganproperty]

Buying Property in North Maclean: A Guide for First-Time Investors

Investing in property is a significant decision that can yield long-term financial benefits. For first-time investors, understanding the local market and knowing where to look for opportunities are crucial. If you're considering entering the real estate market in Queensland, property for sale North Maclean presents an attractive option. This serene and growing suburb offers a unique blend of peaceful living and potential for investment growth, making it an ideal location for newcomers to the property investment scene.

In this guide, we will explore the benefits, key considerations, and steps for buying property in North Maclean.

Why Consider Buying Property in North Maclean?

1. Growing Suburb with Strong Development Potential

North Maclean is a growing suburb that has seen increasing interest from both homebuyers and investors in recent years. Its proximity to larger cities like Brisbane and the Gold Coast makes it a prime location for people seeking affordable housing options with easy access to urban amenities. Property for sale North Maclean is appealing due to the area's potential for future development, which is expected to continue as demand for housing in this region grows.

2. Peaceful and Scenic Environment

Unlike the hustle and bustle of more crowded urban areas, North Maclean offers a quiet and relaxed lifestyle. Surrounded by nature and green spaces, it is an ideal place for families or retirees seeking a peaceful retreat. The tranquil environment and affordable living costs make it a sought-after area for those looking to escape the noise of city life while still being within commuting distance.

3. Strong Investment Growth Opportunities

For investors, property for sale North Maclean provides ample opportunities to take advantage of the suburb's rising popularity. With ongoing infrastructural developments, the suburb is poised for long-term growth. In particular, as more people move to North Maclean in search of affordable housing, property values are likely to increase over time, making it a promising area for capital appreciation.

Key Factors to Consider Before Buying Property in North Maclean

1. Budget and Financing Options

Before diving into the property market, it’s crucial to establish a clear budget and understand your financing options. Assess how much you can afford to invest and determine if you will need a mortgage or loan. Research local lenders and banks to find the best deals for your financial situation. Knowing your budget will also help narrow down the list of property for sale North Maclean that suits your investment needs.

2. Property Type and Purpose

Understanding the type of property you are looking for is essential when exploring the property for sale North Maclean market. Are you looking for a residential home, townhouse, or a piece of land to develop? The purpose of your investment will significantly influence the type of property you should focus on. Consider your goals—whether they are to rent out the property, sell it for a profit, or develop it into something more valuable.

3. Property Condition and Inspection

Once you've found a potential property, it's crucial to conduct thorough inspections. The condition of the property will impact its long-term value and any potential repairs or renovations you may need to carry out. Always hire a professional inspector to assess the structural integrity, plumbing, electrical systems, and other key aspects of the property. This step ensures you're making a sound investment and avoids any costly surprises down the road.

4. Market Trends and Property Valuation

To make an informed investment, it’s essential to research the local property market trends. Track recent sales data, rental yields, and future projections for property for sale North Maclean. Understanding how property values have changed over time and what experts predict for the future can help you make a more calculated decision about when and what to buy.

5. Amenities and Infrastructure Development

When evaluating property for sale North Maclean, always consider the suburb's current and future amenities and infrastructure. The presence of schools, public transport, medical facilities, and shopping centers can greatly affect property demand. Additionally, keep an eye on upcoming infrastructure projects, such as roads or commercial developments, which can drive future growth and increase the value of your investment.

The Buying Process: Step-by-Step

1. Research and Compare

Start by browsing online listings and exploring all available property for sale North Maclean. Research various properties that fit within your budget and match your investment criteria. Use property listing websites and real estate agents to help you compare prices, features, and locations.

2. Engage a Real Estate Agent

A local real estate agent who knows the North Maclean market can help you find the best properties that suit your goals. Agents can provide valuable insights into the area, as well as negotiate on your behalf to ensure you get a fair deal.

3. Secure Financing

Once you've identified your preferred property, get pre-approved for financing if you're taking out a loan. This will help streamline the buying process and give you a clear understanding of your financial options.

4. Make an Offer

After finding the right property, the next step is to make an offer. Your agent will help you prepare and submit an offer that is in line with market prices, ensuring that your bid is competitive.

5. Finalize the Deal

Once your offer is accepted, a contract of sale will be drawn up, and you'll enter into the final stages of the purchase. Ensure that you’ve arranged for property inspections and appraisals before officially signing the contract. It’s also important to review all terms and conditions with a legal advisor to avoid any legal complications.

6. Settlement and Transfer of Ownership

After the legal processes are complete, the final step is the settlement. This is when the property officially transfers ownership to you, and you can begin managing your investment as you see fit.

Conclusion

Purchasing property for sale North Maclean presents a solid opportunity for first-time investors seeking long-term financial growth. The suburb’s tranquil atmosphere, affordability, and potential for future development make it a smart choice for those looking to capitalize on Queensland’s real estate market. By understanding the local market trends, setting a budget, and carefully evaluating properties, first-time investors can make informed decisions that set them up for success in the property market.

If you’re ready to make your move, the key to a successful investment is thorough research and a keen understanding of the property for sale North Maclean landscape. With the right approach, your investment in this growing suburb could offer substantial returns for years to come.

[refinance-home-loan-sydney]

Unlocking The Potential: Understanding Interest Only Home Loan

In the realm of real estate financing, the landscape is vast and varied, offering a multitude of options tailored to individual needs and preferences. Among these, interest only home loan Gold Coast stand out as a distinctive choice, presenting both opportunities and considerations for homeowners.

How Does Interest only Home Loan Work?

Interest only home loan is a type of mortgage where the borrower is only required to pay the interest on the loan for a certain period, typically for the first few years of the loan term. Here's how it works:

Initial Period: During the initial period of the loan, payments are typically lower than they would be for a traditional mortgage because the borrower is not paying down the principal balance.

No Principal Repayment: With interest only home loan, the borrower is not required to pay down the principal balance during the interest-only period.

Lower Initial Payments: Because the borrower is only paying interest, the initial payments are lower, which can be attractive to borrowers who want to minimize their monthly expenses during the early years of homeownership.

Adjustment Period: After the interest only period ends, the loan typically converts to a traditional mortgage, and the borrower must begin making payments that include both principal and interest.

Risk and Benefits: Interest only home loan can be beneficial for some borrowers, especially those who anticipate a significant increase in income in the future or plan to sell the property before the interest-only period ends. However, they also carry risks, such as the potential for higher payments once the interest-only period expires and the possibility that the property may not appreciate as expected.

Considerations and Risks

When considering an interest only home loan, borrowers should be aware of several key considerations and risks:

Potential for Negative Equity: During the interest-only period, borrowers do not build equity in their homes since they are not reducing the principal balance. If property values decline or remain stagnant, borrowers may find themselves in a situation of negative equity, where the outstanding loan amount exceeds the property's value.

Higher Long-Term Costs: While interest only home loan offers lower initial payments, they can result in higher overall costs over the life of the loan. Once the interest-only period ends, borrowers face increased monthly payments as they begin repaying the principal, potentially leading to financial strain if not adequately planned for.

Interest Rate Risk: Interest only home loan may carry adjustable interest rates, leaving borrowers vulnerable to fluctuations in interest rates. If rates rise significantly after the interest-only period, borrowers could experience a sharp increase in monthly payments, impacting affordability.

Interest only home loan represents a unique financing option with distinct advantages and considerations. While they offer lower initial payments and potential benefits for investors and high-value property buyers, borrowers must carefully weigh the risks, including the potential for negative equity and higher long-term costs. By understanding the nuances of interest only home loan, borrowers can navigate the complexities of real estate financing with confidence and clarity.

[jackcliffelectrical]

Can Solar in Gold Coast Truly Lower Your Electricity Bills?

Introduction:

In recent years, solar energy has emerged as a promising solution for homeowners in Gold Coast looking to reduce their electricity bills while also contributing to a greener environment. But amidst the buzz surrounding solar installations, many homeowners wonder: Can solar in Gold Coast truly lower their electricity bills? In this comprehensive guide, we'll delve into the intricacies of solar energy and its impact on your utility costs.

Understanding Solar in Gold Coast:

Before we explore its cost-saving potential, let's first understand how solar energy works in Gold Coast. Solar panels installed on rooftops capture sunlight and convert it into electricity through photovoltaic cells. This electricity can then be used to power your home's appliances and lighting, reducing your reliance on the grid-supplied electricity.

Factors Influencing Electricity Bill Savings:

The amount of money you can save on your electricity bills with solar in Gold Coast depends on various factors. These include:

Size and efficiency of the solar system: A larger, more efficient solar system can generate more electricity, leading to greater savings on your electricity bills.

Energy consumption patterns: Homes with higher energy consumption may benefit more from solar installations, as they can offset a larger portion of their electricity usage with solar-generated power.

Feed-in tariffs: In Gold Coast, homeowners can earn credits for excess electricity generated by their solar panels and fed back into the grid. Favourable feed-in tariffs can further enhance your electricity bill savings.

Initial investment and financing options: While installing solar panels requires an upfront investment, various financing options such as solar loans and leasing programs can make solar installations more affordable and accelerate your return on investment.

Benefits Beyond Cost Savings:

Apart from lowering your electricity bills, solar in Gold Coast offers numerous additional benefits. These include:

Reducing your carbon footprint and contributing to environmental sustainability.

Increasing the value of your property.

Providing energy independence and protection against rising electricity prices.

Conclusion:

In conclusion, solar in Gold Coast has the potential to significantly lower your electricity bills, provided you invest in the right system size, optimise your energy consumption patterns, and take advantage of favourable feed-in tariffs and financing options. By partnering with a reputable solar installer like Jack Cliff Electrical, you can harness the full cost-saving potential of solar energy while enjoying a cleaner, greener future for your home in Gold Coast.

[realtorjamier]

5 Smart Ways To Leverage Your Home Equity!

A home is many things: A shelter from thunderstorms, a place to throw backyard barbecues, a place to play hide and seek with your kids, but also (and perhaps not as intuitively) – it’s an asset. And just like your stocks, bonds, Bitcoin or bars of gold, it can be put to work in helping you achieve your future goals. 

What Is Home Equity:

Home equity can be understood simply as the difference between how much your home is worth, and how much you owe on your mortgage. If your mortgage balance is lower than your home’s value, you have equity – and you may be able to employ it through a home equity loan, line of credit, or cash-out refinance. 

How You Can Leverage Your Home Equity:

What you do with that equity is entirely up to you, but here are five ways we’ve seen people make the most of their home:

Make Home Improvements – Your home is an asset. Why not invest in it? Home improvements are a double whammy as an equity investment: Your day-to-day quality of life improves, and your asset gains value – translating to more equity.

Consolidate Your Debt – Managing multiple credit card debts (all at different interest levels) is a lot like herding cats – it’s a huge headache and you hate the experience. In comparison, managing one line of credit (your home equity loan or line of credit) may be substantially easier, thanks in no small part to generally lower interest rates.

Medical Expenses – In just about any either/or situation you can think of, your loved ones’ health and well-being is going to win – never mind the cost. Home equity can be the solution to covering any subsequent medical bills, especially if your other option is high-interest credit card debt.

Pay for College – When it’s finally time for your kids to leave the nest, knowing that your nest doubles as a nest egg can make tuition prices less daunting.

Build an Emergency Fund – The central pillar of any financial security plan is the emergency fund: An interest-bearing account containing enough money to cover several months’ worth of expenses. For many Americans, that can be tough to accumulate.  A home equity line of credit may be a smart stand-in – in a pinch, it can often provide quick access to money that you can then pay back over time.

Of course, these are just the five best ways to leverage equity that we’ve seen; perhaps you have your own idea as to how home equity could help. And that’s what Atlantic Coast Mortgage is all about – putting people first so that they can achieve their goals. It might sound simple, but it’s just one of the ways we’re revolutionizing homebuying.

[deepinmummymatters]

House-Hunting: How to Find the Perfect Property

House-hunting can be an exciting yet daunting endeavour. Whether you're going through this ordeal for the first time or you have already changed a couple of addresses, finding the property that truly suits your needs requires careful consideration and very thorough research. From location to budget, amenities to future potential, each aspect plays a vital role in making the right decision. Let us take a look then at some of the simple and useful tips that should nudge you in the right direction and make your hunt for the perfect property, if only a bit easier. Define Your Needs and Wants Start by outlining your priorities and requirements for your new home and make a list of essential features, such as the number of bedrooms, bathrooms, and things you will absolutely not tolerate. Differentiate between needs and wants, focusing on what is essential to your lifestyle. This clarity will guide your search, helping you narrow down the options and find properties that align with your preferences. It will also prevent you from making rash, emotional decisions and falling for the properties that have some red flags, but also help you find value in the properties that are not so flashy at first glance. Set a Realistic Budget Establishing a realistic budget is crucial to avoid disappointment and financial strain. Purchasing a property always puts huge piles of money on the table. Making leaps of faith without knowing just how far you can jump can cause some long-lasting financial problems. So, be sure not to overshoot with this one and set a budget that will be well-adjusted to your personal finances. If you need help from a professional advisor to do that, find one. Consider additional costs like maintenance, property taxes, and insurance. Having a clear budget in mind will help you focus your search on properties within your price range, ensuring a smooth house-hunting process. Have your Financing Options in Check Very few people are purchasing properties up-front. So, before you engage in any of the specifics, start preparing for raising the loan and getting your finances in order. You should also try to learn about different mortgage options, see what works best for your situation, and potential hidden costs. Once you are armed with this knowledge, start shopping around for the best offers. It’s always good to start with local vendors since they can considerably streamline the application and approval process. If you are, for instance, purchasing a house in Queensland, Australia, looking for the best mortgage broker in Gold Coast should be a prudent move. Research Neighborhoods This research should give you an idea of whether the neighbourhood in question suits your lifestyle. Consider factors such as proximity to amenities, schools, transportation, and safety. Visit neighbourhoods at different times of the day to gauge the ambience and observe the community. Online resources and local publications can provide insights into neighbourhood demographics, property values, and future developments. Taking a short virtual walk with Google Street View will instantly give you an idea if some area is good for you, and you won’t even need to leave your room. Engage a Knowledgeable Realtor Working with a knowledgeable realtor can significantly streamline your house-hunting process. Realtors have access to a wide range of properties, market insights, and negotiation expertise. Share your requirements with your realtor, and they can provide valuable guidance, schedule property viewings, and help you navigate the complexities of the buying process. These professionals may also have access to some properties that are not publicly advertised, so they always make a good investment. Attend Open Houses and Property Viewings Attending open houses and property viewings is an excellent way to gain firsthand experience of potential properties. Take your time exploring each property, paying attention to details like layout, condition, and potential renovation possibilities. Ask questions, take notes, and visualize how the space would suit your lifestyle. Remember to consider not only the current state but also the property's potential for future customization or value appreciation. Consider Long-Term Value When house-hunting, it's essential to consider long-term factors like price depreciation and local development programs. So, evaluate factors like the neighbourhood's growth potential, upcoming developments, and property appreciation trends. Assess the property's condition and determine if any major repairs or renovations are required. Also, get an idea about your personal long-term priorities since they are going to change as time goes by. You don’t want to go through this entire process again the first time you decide to have kids or change your profession. Get a Professional Inspection Before finalizing a purchase, it's crucial to have a professional inspection conducted. A qualified home inspector will assess the property's condition, identifying potential issues that may not be visible to the untrained eye. This inspection report will provide valuable insights, enabling you to make an informed decision about the property's suitability. The money you are going to spend here may give you some much necessary leverage during the price negotiations, so there you have an additional reason to consider this option. House-hunting is an exciting journey that requires a thoughtful approach. By defining your needs and wants, setting a realistic budget, researching neighbourhoods, working with a knowledgeable realtor, attending open houses, considering long-term value, getting a professional inspection, and trusting your instincts, you'll be well-equipped to find the perfect property. Remember, the perfect home is not just about its features but also how well it aligns with your lifestyle, daily obligations, and dreams. Happy house-hunting! Read the full article

[must-home]

Pre-Approval Home Loan Gold Coast

Getting pre-approved for a home loan is key  when buying property on the Gold Coast. Must Home Loans' experienced broker team helps buyers secure loan pre-approval to give you a competitive edge. As an independent brokerage with access to over 20 lenders, we compare rates and products to get you the best loan terms and service level. Pre-approval shows sellers you are a serious, ready buyer and locks in a rate.

Contact Must Home Loans on +61 468 784 663 - we streamline the process to have you pre-approved fast. Start your Gold Coast property search today.

[goinspectblog]

Home Inspection Should Be Your First Choice when Buying Home

Whenever you're looking for a home, have it evaluated by a skilled professional home inspector. Why? Since a home inspector can provide you with a report on the home's general condition. You'll gain an in-depth, unbiased perspective that a walkthrough with your property broker cannot provide.

A Pre Handover Inspection Brisbane assesses the home's general physical condition, such as the structure, overall construction, and hvac, plumbing, & electrical systems. The remaining usable life of the principal equipment and systems will be estimated in your inspector's analysis. It will also assist in identifying items that require repair or replacement.

Note this critical point. An assessment and a New Home Inspections Brisbane are not the same thing. Lenders use appraisals. They must appraise the home's value and ensure that it is marketable. Evaluations are used to ensure that the house fulfils basic property standards and FHA loan requirements.

New Home Inspections Gold Coast is intended for you, the potential buyer. You will receive a report that provides a picture of the home's state. It is not meant to be a list of drawbacks, but rather to provide you with an objective perspective to aid you in your decision-making approach as you contemplate whether to purchase the home.

The assessment is not a grade card, but it does provide you with the information you require. It is also not expected to favour either the seller or buyer of the residence. It should inform you about the home's advantages and disadvantages. The goal of the house inspector must be to convey his findings objectively and fairly.

What if the house inspector discovers flaws in the structure? You may be asking if FHA guarantees the worth and quality of a home if you purchase it with FHA financing. In a nutshell, no. Please be aware of this. If you discover difficulties with your new house after it has been closed, FHA cannot provide or lend you funds to make repairs. They also can buy the house back from you. This emphasises the need of conducting a thorough and thorough Practical Completion Inspection Brisbane before purchasing a home.

There's one more thing to think about. Do not accept a statement from a former house inspection. A New Build Inspection Brisbane is required to ensure that the condition of the home is appropriately represented to you.

While your agent may appear to be a hero for saving you money by forwarding a statement from a previous inspection, he is actually being unethical. Home assessments are private information for the purchaser who requested the Handover Inspection Gold Coast. Moreover, things can change, as well as the report is unlikely to reflect the exact state of the home at the moment you wish to purchase it.

Assume you depend on a previously completed New Home Inspections Ipswich when purchasing and moving into your property. What happens if the roof leaks or the air conditioning system fails to effectively cool? Due to a lack of sufficient documentation, you are stuck with major repairs. If you'd a new home inspection, this would not have been a problem.

[aquallisfinance]

Home Loan Broker Gold Coast

Aquallis Finance provides high quality, full service mortgage broker solutions on the Gold Coast for new home buyers and existing home owners that seek superior refinancing solutions.

As the property market returns, opportunities abound and lenders are responding with exceptional new product offerings to suit every borrower’s needs and circumstances.

At Aquallis Finance, we know where the market is going and we have thoroughly researched the financing trends and full range of lender offerings, enabling us to provide our client’s with customised solutions to suit their specific funding requirements.

Each mortgage broker on our Gold Coast team is an experienced professional and has nearly two decades of combined experience working for lenders and borrowers alike.  That’s how we know the industry inside out and why we work tirelessly to ensure you achieve the best possible financing results.

For More Details https://aquallisfinance.com.au

[defenderrosetyler]

APAHS Chapter 6

AN: Chapter 6 has arrived! I love all of your guys feedback it really makes my day ^_^ No real warnings this time I think..... WC: 2,221 Beta thanks to the wonderful @flamencodiva and dividers by @winchest09​ Storybrooke

“What do you mean you want an engagement ring? Hasn’t Samuel gifted you with one?” Rowena asks Ruby, closing her loan payment ledger. Yes, it was only lunchtime, but there were a few payments that had rolled in. Ruby scoffed, crossing her arms as she tossed her hair over her shoulders. “As if, he has yet again tried to throw me out onto the streets. Both of our names are on that lease. I won’t let him kick me out. I do care for him despite what the town thinks.”

Letting out a hum of thought, the red-headed loan shark headed to her back room. Looking through her drawers of things her debtors had used as a pawn of sorts to help pay off their loan. Finding the jewel she’d been looking for, with a smirk she headed back to the front of the store and placed the ring in Ruby’s hand. The ring was a thin silver band, in the middle sat a bright white diamond, on either side of the large gem, however, sat two bright sapphires. Rowena hadn’t even asked Ruby’s ring size, but this ring she’d grabbed fit her hand perfectly. “Oh, Rowena, it's beautiful,” Ruby smirked wickedly, “Sam is mine, I’m not about to let him get wrapped around another woman’s finger. Despite what people think, I do care for Sam, and I’m going to prove who he belongs to.” 

Across town, Y/N was occupied, and in pain. After explaining to Amaya her situation with needing more work to keep up her payments, both women had agreed to work at the Queen’s Court inside the Rabbit Hole. This wasn’t the kind of work she had in mind, but what choice did she have. There wasn’t anything else she could do. There was the option of agreeing to marry Rowena’s son, Crowley, but that was a hard pass. She’d rather rot in hell before agreeing to be his bride. As she finished her routine, under the name  White Swan, Y/N groaned, spotting Crowley standing at the employee’s entrance. “Y/N, sweetheart, can’t we just talk?” He asks. “Crowley, can’t you go sit in those crummy cars you sell? I’m sure the carbon monoxide would knock you out faster than living alone,” She snapped. Partly from seeing him, the other from the uncomfortableness of her heels. Walking and dancing in 6-inch heels when you’ve never done it before? Not the best thing to do.

The businessman lets out a sigh of resentment. “It's just a conversation, not a marriage proposal” He tries again. “Crowley, I’m sure there's a woman in Storybrooke who is better suited for your needs than myself. I can find ways to pay your mother back. I’m not about to just give up now” She says, brushing past him to go change. It had been a long, exhausting day, and all Y/N wanted to do was go home. Crowley left with a sigh, nodding to Ruby who stood at the street corner, waiting for Y/N to come out. Y/N groans spotting Ruby, muttering her name under her breath. “Well well, if it isn’t the little duckie coming out of the pond?” Ruby teased, making sure her left hand was in full view. The light from above catches on the gems. “Ruby, I really don’t want…” her voice trailed off seeing the ring. “Is that?” Ruby smirked, “My engagement ring from Sam? Oh yes, proposed last night after he got home. Guess he couldn’t wait any longer. He really does love me deep down, you know.” “That’s not how I understood it. He keeps trying to kick you out.” Y/N argues, trying to hold back her tears.  

Ruby scoffed, crossing her arms as she glared at Y/N, “couples fight, duckie.” She licked her lips, “you would know if you ever had a man. Let’s face it, you’re too ugly for any man to ever want you.” Ruby noticed Crowley watching them, a sly smile on her lips, “Crowley must be desperate if he’s going for you. You know, his mom is almost as rich as Gold. Too bad you’ll always be down in the dirt, like the ugly duckling you are.” “Why don’t you just leave me alone Ruby.” Y/N scoffed, “Surely you must have something better to do?” 

Brushing past her, Y/N turns to head back into the Rabbit Hole, spotting Crowley sitting at the bar. “About dinner…”

----- Enchanted Forest “Making me do all your work? What kind of witch are you anyway. You’ve got the girl, why can’t we just take over her kingdom instead of the Winchesters?” Crowley snarled at his mother as he grabbed his clothes. “Because they banished me for just a wee bit of magic. It's not like I was planning to kill anybody” Rowena says with a shrug, looking through the spellbooks she’d had Crowley sneak in and grab for her. Well, the one’s that King John hadn’t destroyed by putting them into a fiery blaze the day she was banished. “Mother, we both know you wanted Queen Mary killed, force yourself into King John’s bed till you were pregnant and solidified an heir.” This made Rowena blink. Her son was smarter than he looked, and minor details didn’t slip past him usually. 

“Perhaps.” She says not confirming or denying her son’s allegations against her. Grabbing the final ingredient, tossing it into the black cauldron, she sighed, grabbing a ladle and portioned out the vials. “This will be the third batch this week. Are you sure you're making it right?” Crowley asks, arms crossed against his chest. Rowena’s dark jade eyes glare at him. “It’s a slow process. Can’t do it all at once.” “You said that after the first batch. I’ve been sneaking around, trying to not get caught, yet here you are making me risk my neck for you.” The red head sighed frustrated, “You know that Castle, as well as I do, Crowley. You know how to remain hidden and unseen. Only a fool would get caught.” This particular batch of poison made six vials in total. Taking four of them, and placing them in his pocket, Crowley makes his way back to Winchester Palace. 

The poison his mother had made, in enough doses and in large quantities, was meant to make the drinker incoherent and unable to think clearly. Once the recipient had received enough, it would make her appear to have an incurable disease. Once to baffle the medical staff till they were blue in the face, trying to heal their precious and beloved Queen. Since Odette’s capture, Crowley had been giving Queen Mary four vials in the span of a week. He’d started off with two, but there wasn’t as much of an effect as his mother would have liked, so she made him up the vial amount to four.

Being he’d left later than he’d planned, Crowley had managed to sneak into the kitchens just before supper was to be served. The kitchen was more packed than he’d planned as the staff bustled about gathering the finishing touches for the evening meal. 

Ever since Princess Ruby’s arrival, King John had spared no expense. Bringing the best protein and sides he could manage. He did want to leave a good impression on the princess if indeed she was to be Sam’s bride. As soon as Crowley was sure the coast was clear, he entered the kitchen through a secret passage. As he was opening the vial, however, he was stopped when the tip of a blade was pressed just under his neck. “Back away slowly, before I slit your throat and make a mess for the maids to clean,” a gruff voice said from beside Crowley. Stepping backward as he was asked, Crowley swallowed the lump in his throat as he met a pair of bright blue eyes. “Evening Castiel.”

“Benny, what do you mean I can’t go downstairs, it's time for dinner, as usual, what's wrong?” Sam asks him as he was prevented from leaving his chambers.

“I’m zorry, your highnez,” Benny let out. “It zeems Castiel haz caught our slippery snake,” he continued, leading Sam down a long hallway and towards the dungeons. 

“Slippery….” Sam says confused before catching who Castiel had exactly caught. “Crowley.” “‘Ello, Samuel,” Crowley muttered, “Come to be my executioner?” “I’ll leave that to Castiel. He’s good at killing snakes like you.” “I was only doing as I was told!” Crowley argued, trying to make a defense for himself, “It’s not my fault my mother’s obsessed with ruling the place!” 

“Your mother?” Castiel asked, raising his eyebrow at him. “The Witch Rowena,” Sam snarled through his teeth, “The one who stole Odette and killed her father”

“Then why was he allowed to work in the palace?” Castiel glared at Crowley, the tip of his blade pressing on his neck. “How did we not know?” “A girl has to have her secrets blue eyes.” Crowley muttered. “Benny, give me your sword.” Sam says looking over at him, “I’m sure Castiel would be more than happy to kill him, but this is one execution I’d have the pleasure of handling myself.” “Kill me if you want, boy, but that little swan of yours will still stay hidden.” Sam’s anger rose, his chest rising and falling as his nose began to flare out. 

“Sam,” Castiel said, placing a hand on his shoulder. “We need to notify your father. We need to know how we never knew about Rowena being his mother? Have you seen Crowley with Rowena?” Sam nodded, his gaze still fixed on Castiel. “Out by the lake, he and his mother are out there every night.” Back upstairs, John went to find Mary, wanting to make sure that she was alright. Upon entering their chambers, he spotted her still lying in bed. “Mary? Are you alright?” “It’s nothing. Just a little tired from this afternoon that’s all” The Queen replied, trying to brush off her husband’s worry. John felt his wife’s head, noticing beads of sweat running down her forehead. “Mary, you're burning up,” he whispered, running to the door to shout for the Castle Doctor. 

“Forgive me your majesty, but your wife does appear quite ill. The problem is, I cannot tell what has made her ill.” He admits with a frown. “There has to be something you can do.” The King begs. The Doctor was silent, grabbing his things as he left the King and Queens chambers. “Your Highness,” another one of the guards says, placing a hand on Sam’s shoulder, “Forgive my intrusion, but your father is asking for you.” Sam looks at Benny and Castiel, “I’ll talk to my father about this. Get as much information out of him as you can, we need to find what he’s been doing here.” he says, turning to head back up the stairs. “Dad!” Sam calls appearing at the end of the corridor once climbing the stairs. “Son, we need to talk privately.” John says in hushed tones, “I have some concerning news concerning your mother.”

---- Storybrooke

After working through the papers at Gold’s office, logging the few items he’d gotten as pawns, Sam looked up hearing the clicking of heels. Groaning as he spotted Ruby leaning against the glass displays. It was valentine's day and Sam had planned on stopping by Granny’s to look for Y/N to give her a yellow rose for the day, in hopes to mend their relationship. “Ruby, what are you doing here? Couldn’t this wait till I got back?” Sam muttered

“What, and ruin the evening of valentines day? I thought maybe we could go out to Granny’s or something.” Ruby smiled, batting her eyelashes at him. “Well, Well, Miss Blackheart, wasn’t expecting a visit from you.” Gold says, making his way out of his office. “What a ring you have, looks like you did rather well Samuel. It would seem congratulations are in order.” 

Sam looked over at his employer rather confused. “What?” he asks, finally catching the glint of the ring on Ruby’s left ring finger, “Where did you get that. I know I didn’t get that for you.” 

“Course you did.” Ruby winked, pulling Sam along with her “Come on, I want to celebrate our engagement by having a special dinner.” Sam wanted to protest going to dinner with Ruby, he could barely stand the woman, let alone any more unnecessary stress. He just wanted one thing to go right, or even just halfway normal. He’d been meaning to find time to talk to Henry, or even Bobby. He’d talk to Dean, but given their recent conversations, it would just turn into an argument. 

As they made their way into Granny’s diner, Sam felt his heart go cold, seeing car salesman Crowley Rosethorn press a kiss to Y/N’s cheek as he handed her a handful of red roses. 

Sam felt the wind get knocked out of his chest. His heart felt like it was going to shatter, it held a secondary emotion though. Jealousy. He wanted to be the person giving Y/N roses, wanted to make her laugh, smile or just be happy. 

Apparently Ruby had other ideas, as she forced his hand on their engagement. He had to break it off, but how?

[terrence-silver]

Hey, I saw your gorgeous faceclaims for Terry's parents earlier, so I was wondering; could you perhaps do some sort of quick one-shot featuring the two of them? Nothing long or complicated. Just a little insight into their daily (messy?) lives back in the 50s? Thanks a lot. 💙

He waddled in drunk.

Again.

Thing is, he didn’t understand how come Red 31 wasn’t a winning option on the roulette wheel when red as a color has never failed him before - his lucky choice for years, in a sense. He could’ve swore to god almighty, that fucking game was rigged. It was rigged and it was rigged in such a way to harm the economic savings of decent, hard-working Americans like himself. Really, if anything, he blamed McCarty for letting in all those damn Communists into the country and messing up the order of things around here. That was the only way Morton could explain his losses tonight. Fifty thousand dollars in one sitting. Straight ripoff and as such, the deplorable state he was in tonight was well-warranted. Did he try to fight those bastards in the security department? Yes! Did he get thrown out of the casino? Yes, he was! Did he, by any chance get in an alteration with one of the suckers who did in fact win a sizeable amount of money tonight on the same fucking roulette wheel and were slaps generously thrown around? Yes, they absolutely were! And proudly at that! This was a free land.

And now, he was home.

Deep-fucking-joy.

His beautiful pastel Harrods catalogue house.

To his gorgeous nagging wife and their gorgeous tiny brat son.

-”It’s three in the morning.”-

A voice chided and of course Myra would be awake waiting for him like some sort of interrogator in the partial darkness of the hallway, stepping out of the bedroom in a silk bathrobe over her lace chemise and her blue rollers strapped to her curls, arms crossed over her chest with bloody intent, a scowl gracing her red lips as she took a long drag out of her cigarette, huffing the smoke into the air. She had time to put on a lipstick? In the middle of the night? The damn casino scammed him out of his own money and she had time for her goddamn rouge face-paint? The absolute nerve of this broad. She didn’t even wear her usual house slippers. No. She had her heels on like some manner of decadent, shameless saloon harlot. Because of course she did.

Wretched Biblical viper.

-”Y’know. If I knew you’d be so good at stating the obvious and telling the damn time I’ve would’ve strapped you to my wrist instead of a Rolex and just carried you with me around all day.”-

Morton shook his hand at her frantically to nail the idea behind his words into her head, clanking the gold clasp of his arm-watch in her direction. The general idea was, that before she even tried to accuse him of anything at this late hour, to gently remind her, as she often needed to be, that he in fact made all the money in this household, and as such, he could waste and spend as much of it as he pleased, however he pleased, whenever he pleased like the man he was. Because, really - who was going to stop him? Did she really think he didn’t know what time it was? There were no clocks in casinos. Yet, he always knew, regardless. It was an ingrained instinct, by now.

-”You’re bleeding, you reek and you look like hell, Morty.”-

She clicked her tongue in annoyance alongside an eyeroll, using an endearment instead of his full name, walking around him with her heels clicking on the marble carpeted floor as she plopped down in the velvet armchair facing him directly, crossing her legs, watching him pour himself a glass of scotch and downing it one swift move. This has happened before. Of course it has. But, was it such a sin he wanted out of this stifling, godforsaken upper middle class life out here in the fucking desert, peddling rings and knick-knack like a common salesman or roadside merchant? Was it so bad he wanted to make a quick spin of money? Was it so hard to understand he wanted Lady Fortune to smile at him? If only just once? Let him live the life he knew he deserved? That she deserved. That their son deserved. That he, correction and all humbleness aside, Morton Silver, deserved, most of all?

-”We can’t all look like Liz Taylor, ma’am. Respectfully.”-

He spat back in disgust, loathing how beautiful she appeared.

So close to making him behave in ways a gentleman never should.

-”How much?”-

She inquired firmly, with a certain sense of softness.

He immediately what she meant, even without clarifying.

He averted his gaze, sighing in defeat - putrid, bitter defeat.

Leveling his eyes instead, with the glass liqueur bottle in front of him.

-”That much, huh?”-

Myra knew, even without words spoken, more or less what the monetary casualties of tonight’s exploits were - she had an instinct for things like that by now, the damn woman - finishing the butt of her cigar and crushing it in the crystal ashtray next to her seat and leaning over her white cream boudoir instead, starting to remove the rolls from her hair one by one, combing them out steadily and attaching the pearled earrings to the pierced holes of her lobes. She once stated he had a serious addiction and that  she read in a health magazine at her book club that such things weren’t anything to be ashamed of and that it could be curable with the right methods and care - that she worried about the state of him - where he was headed - where they were headed, as a married couple - but he didn’t want to hear about it. If she intended to institutionalise him she had another thing coming. He knew what they did to people deemed crazy.

And the Silvers had a reputation to uphold around these parts.

His father was a jeweler and his father before him.

His father’s father, even.

He only wanted to increase what he inherited.

Not let it all go to waste with the knowledge that he wasn’t quite right.

People would avoid them both like the plague for it - bloody bastards.

-”I’ll make it back for us. I always do. You know me! You know I do! I’ve luck at the tip of my fingers, all I need is the right moment at the right time and it’ll find me when I least expect it! And you love me for it! Maybe next time this year, we’ll be sitting at a balcony somewhere, overlooking the sea! And you’ll be sunbathing with a big hat and we’ll never look back! Maybe up the West Coast - maybe -”-

He found himself ranting, a wave of desperation, guilt and hysteria taking over his senses, fueled by alcohol and a need to rationalize and justify himself, suddenly on his knees and grabbing Myra by her ankles, nearly ripping the nylon of her sheer, flesh-colored stockings with the sharpness of the ruby on his wedding band, pulling her away from the mirror and back unto her arm chair, embracing her legs and leaning his face unto her lap, trapping her in place because he needed her to stay put and listen like he needed air to breathe, rambling and stuttering as he did. He despised this place and he knew she did too, but money was never enough to move someplace better permanently and for that reason he hated it here all the more out of rage. All the dust and scorched, dryness of the earth, and the unbearable desert wind and the goddamn mob burring mutilated bodies out in the wild, and the hyenas, and the loan-sharks, and the snakes, and the hookers and the temptations and the sinning and people blowing their fucking brains out due to accumulated debt and he just couldn’t take it anymore. It was hell. And he wasn’t out of here in a couple of years, he’d just ram his car off of the first cliff with himself, Myra and Terry in it and call it a day. It wasn’t the most Christian way to go, but heck if he cared at this point. He was as far removed from God’s light as he could be by now.

-”You’ll wake up the child with your drunk rambling.”-

She chastised whispering, with infinite tenderness.

With a tinge of sadness and pity too, he figured tiredly.

Letting her run her manicured fingers through his hair sweetly.

Comforting him - another woman would’ve left him by now, surely.

He drank and whored around and gambled and cussed and shouted.

Not her though - all she wanted was him, their son and money.

And although a bit skinny, puny and small for his age.

Almost to the point of occasional embarrassment -

Morton figured a change of scenery would do Terence good too.

Get some strength back into him - make him tall, statuesque and healthy.

Last thing Morton Silver wanted was a malnourished, sickly offspring.

-”Do you believe me, though? Do you believe me when I say I’ll give us lives worthy of gods and leave behind this petty corner-store waste of time? I don’t want to spend the rest of my days behind an old, dusty counter, convincing people which fucking engagement ring to buy some random, nameless dame off of the street they met in a joint one time!”-

He looked up at her almost pleading, fingers digging into her skin to the borderline point of nearly making her bleed - his humiliation at requiring her approval in the first place mingling with genuine need and rage at even being in his position mixing into a potent sort of fury where he was just one inch away from slapping her if she answered negatively and then grabbing her and kissing her the next for running her pretty little mouth like that. He was an irresponsible, hypocrite, drunk gambler and lying, materialistic, greedy whore-mongerer. She was a tobbacco-addicted, fashion-crazed, haughty diva obsessed with her pearls and being the perfect, unassuming upper-crust housewife and mother. They were made for each other. Hell, they even looked alike, aesthetically speaking, both pale, lanky, dark haired, with stark blue eyes - like a matched pair of paper dressing dolls cut-out from a magazine. If anything - little Terry would be a looker. Not an overly wealthy looker, but a looker nonetheless. A little pretty twig-boy with no inheritance quite big enough or impressive to turn heads. Not if they stay here. In this crime-infested cesspool of filth that threatened to drag him down even lower.

He pressed a sloppy, inebriated half-kiss to the side of her mouth.

Trying to make himself forget how much he exactly lost tonight.

She turned her head away, nostrils flaring at the stench of him.

She didn’t exactly bear the scent of roses either, reeking of tobacco.

How many did she exactly smoke in the darkness expecting his return?

-”You always did things your way and I’ve enabled you, in part. Now all I can do is sit around and wait for you to come home alive and hope to god someone doesn’t beat you half to death on the steps of some sleazy, two-bit gambling den like a dog.”-

Myra’s voice cracked and she was overtaken by a wave of sobbing.

Tracing the fresh wound on his head, impartially.

In defeat - her tone pained, regretful.

They been through his debate a million times.

And a million times they’ve reached this exact conclusion.

She didn’t even bother cleaning the blood on his scalp.

This happened so often, there was hardly a point anymore.

He’d be battered and bruised at work again by tomorrow.

She’d ambush him in this same fashion, at this same hour.

Wearing the same bathrobe and spewing the same reprimanding.

And he wouldn’t really change or learn - neither would she.

[faedawayyy]

next generation list. if i've removed a character you loved or really liked, i'm sorry! i just feel like i need a restart.

BRETT JACKSON, only son of dallas. 

- intp  - musician  - heterosexual  - moved from the springs to gold coast to be closer to ally - starting his singing career slowly  - definitely still has financial struggles thanks to dallas fc: jack gilinsky  >> ALLY, his girlfriend. very much in love with her. he’s moved academy’s so that they can work on their relationship.  >> HALEY, ally’s sister. they’re good friends and brett feels responsible for her in a weird way.  >> AMY, loaned money to him after finding out that he was broke, especially after quitting his job at sloan’s. however, he has no idea how he’s going to pay her back, especially from half way across the world.  >> ROMAN, an old friend of his. he used to work at sloan’s and the two boys got closer but then brett moved away. they’re still really good friends and brett sees him as a little brother.

PETER CARMICHAEL, son and youngest child of mason and kendall 

- entj  - athlete - heterosexual  - liberty academy, mason secretly paid for him to get in  - long distance relationship with bianca  - still kind of an asshole  fc: neels visser >> BIANCA, his girlfriend. things have got tougher since they’re living on different continents and going to different universities. he still loves her but is starting to realise it isn’t as amazing and easy as he thought it was at gallagher.  >> LOTTIE, a frenemy. he always knew of lottie but didn’t have much to do with her until they ended up in liberty together. he made a move on her while drunk at a party and she flat out rejected him. it’s definitely awkward now. >> VICTORIA, his sister. he can’t stand her. >> ADDY, his friend. peter has always felt bad about the treatment addy used to get with their friendship group and towards the end of high school, he always made an active effort to make her feel looked after and included. >> AMELIA knew that peter cheated his way into liberty and was going to get him kicked out, but he beat her too it. desperate for her not to have something over him, he found out about how she cheated her way into diamond bridge and they now go back and forth with blackmail.

FLEUR CARMICHAEL, daughter of disney and brody 

- estj  - model and designer  - heterosexual  - burgundy academy, dixie sabotaged her rosewell acceptance  - her sister is her biggest rival but also best friend  - plans to transfer to LA or paris  fc: kendall jenner >> ROMAN is one of fleur’s best friends and she always had a crush on him. however, so does dixie and they’re VERY competitive for his attention.  >> MADDIE is her best friend and roman’s ex girlfriend. fleur always tried to keep her feelings secret because she didn’t want to get in between the two of them. >> DIXIE is her twin sister. the two of them are so competitive and have always fought like sister’s do. the older they’ve grown, the worse it’s got. they’re constantly trying to outdo one another but weirdly enough, they’re also really good friends.  >> LOUISA is one of her best friends but they have a very competitive friendship and get jealous of one another easily.

JUDAH CRUZ-MENDOZA, middle child of blake and christelle 

- infp  - actor and model  - bisexual  - st judes, he’s really proud of his parents/how they met  - signed a contract with disney channel  - he’s just came out as bisexual (male pref) to his family  fc: booboo stewart  >> AVERY is his ex-crush. judah was completely infatuated by avery and had his first experience with a guy with him. avery always kept it secret, though, which was fine. however, he now feels like he’s actively avoiding him and trying to distance himself which hurts.  >> WHITNEY is his sister and probably the sibling he’s the closest with. he would have come out to her first and trusts her with everything. he’s definitely missing being as close to her because they’re getting their own identities and lives but he loves her all the same. >> AURORA is his best friend. the children of hensley, christelle and soraya had no choice but to grow up close and aurora is like an honorary sister to him.  >> ELIJAH is a new love interest of his. elijah hasn’t come out yet and can be slightly homophobic while judah is freshly open about his sexuality and enjoying it, so even though there’re feelings there, it is definitely a bit messy.

THEA CRUZ-MENDOZA, oldest child of blake and christelle 

- esfp  - singer (vc: jhene aiko)  - heterosexual  - west ivys, she wanted to be close to family but not too close LOL - she’s like the mum when christelle’s not around. way too bossy with her siblings but is also kinda the blue print. she was a mischievous kid for sure. - a third year, she graduated from springs park a while ago  fc: christina nadin  >> CAM is a good friend of hers, that she definitely feels something for and he feels something for her too. neither of them have admitted it to themselves, let alone each other. 

ETHAN HARWOOD, son of nate and imogen 

- entj  - athlete - heterosexual  - liberty academy  - he’s a fuckboy and still a fuckboy. some people peak in high school - he did - but he’s still riding out that peak. he’s also fallen out with jay, his old best friend. - addy’s ex; they still sometimes speak  fc: xavier serrano  >> ADDY is his ex-girlfriend. their relationship was quite manipulative and not good for either of them. he knows he still has a little bit of power over her though and really doesn’t want to see her move on.  >> JAY is a frenemy. the two of them have started to drift and fight over the smallest of things. their friendship has quickly fallen apart and it’s clear they’re not the same as they were in high school. >> YOUI he’s lowkey been flirting with her for ages now and it’s only intensified since he and addy broke up, but it’s always been touchy since she’s addy’s old best friend.

KITTY-LEE HENSHAW, youngest daughter of natasha and anthony 

- isfp  - actress and model  - lesbian  - academia burgundy  - she’s making a transfer to be closer to victoria, who she’s infatuated with - she transitioned at an early age and her whole family has always been accepting, there’s no secrets around it.  - she has a tendency to get jealous  fc: hunter schafer >> VICTORIA is her best friend and crush. kitty has had feelings for victoria for as long as she can remember. they’ve always been best friend’s but it’s always gone deeper than that for kitty. deep down, she knows victoria doesn’t feel the same but she’s going to keep trying.  >> ADDY is a frenemy. kitty really doesn’t like addy and it’s purely because of the group she was in at gallagher. kitty has never clicked with the popular kids and would actively go out of her way to avoid them, so when victoria took a liking to addy at the end of high school, it threw her world upside-down a little and she’s definitely jealous. 

ROWAN WEST, son of hensley and evan 

- esfp  - director and athlete - heterosexual  - gold coast academy - he’s kind of like, reformed. he’s still not the softest but he’s definitely grown a lot since high school and the bad rep he got for himself post-ally.  - always in trouble. always. he has the worst of both parents in him LOL  fc: chase stokes  >> MADDIE is his new love interest. he’s really invested in getting to know her even though they live quite far apart. he does his best to keep his past with ally a secret from her.  >> DAPHNE is an old friend of his. they used to clash quite a lot but have grown to really like each other.  >> ALLY is his ex-girlfriend. the two of them have a complicated history and that’s exactly where rowan wants her to stay - in his history. he realises where he went wrong with her but is ready to move on. the only problem is they go to the same school and both study sports, it’s only a matter of time before he has to confront her.  >> HARLOW was a rebound ex-girlfriend. after ally, there was harlow. he feels bad for calling her a rebound but that’s exactly what she was. he just needed to feel *something* after the mess and poor harlow was the first in-line. >>WHITNEY AND AURORA are his childhood friends. 

NICOLAS CASTILLO-HUGES, only son of natalie and ezra 

- intj - writer (for screen)  - bisexual  - diamond bridge academy - very bright and intuitive. despite the difficulties ezra and natalie went through raising him, he loves them both and thinks very highly of them. he’s very focused on his dreams.  fc: rome flynn 

YASMINE HERNANDEZ, daughter of yulia 

- infp - singer/actress - bisexual  - liberty academy  - yulia became infamous for being a home-wrecker and sleeping with lots of influential men when she left st judes. she quickly gained a bad reputation and people disregarded her talent because she was a ‘gold digger’. yasmine is often treated the same by students her age. fc: selena gomez  >> LOTTIE is her best friend. they met on the first day of liberty and are roommates. yasmine definitely clings to lottie and is one of the only friends she trusts due to her anxiety.  >> NOAH has an unrequited crush on her. yasmine finds it hard to trust people and is nervous with any form of romantic attention. even though noah’s crush is innocent and she likes him as a friend, she’s not sure how she feels about him yet. 

CALLIE CASTILLO, oldest daughter of maria 

- estj  - model  - heterosexual  - st judes academy  - she’s getting used to not having her former clique around her and doesn’t really know what to do now that her popularity hasn’t translated over into university. she’s really struggling tbh  fc: sofia jamora   >> CARTER is her boyfriend. for a long time, she still had feelings for peter - his younger brother - but she’s trying so hard to push those aside and focus on them. he’s always been understanding of her, no matter how bitchy she gets.  >> BIANCA AND YOUI are her best friends. even though they’re all doing their own things, she considers those two her best friends and it’s been that way since the beginning of high school.  >> ADDY is a frenemy. callie used to relentlessly bully addy throughout high school and she still treats her like a bit of an outsider. she lowkey hates seeing addy thriving in LA while she’s still stuck in her hometown.  >> PETER C is her ex boyfriend. they’re messy as heck and she’s still not quite over the fact he ultimate chose aurora, her distant cousin. 

TAMMY CASTILLO, youngest daughter of maria 

- enfp  - singer (rosalia)  - bisexual (female pref)  - gold coast academy  - sick of living in calie’s shadow, she’s branched out to get an identity all of her own. she’s your typical party girl type.  fc: val mercado  >> ALLY is her best friend. they’ve got really close at gold coast and are practically inseparable.  >> they were in a long term relationship until he found out that he was a father. this really hurt her and she hasn’t forgiven him, despite still being in love with him. 

DELILAH CALLOWAY, daughter of eloise 

- istj  - actress  - bicurious  - wilow house academy - she’s the opposite of eloise. eloise let herself be pushed around by her sisters and forgotten about to an extent. delilah has made it clear that she’ll be the trailblazer for the ‘calloways’ in this generation and will happily walk all over her cousins if she has to.  fc: sommer ray  >> AALIYAH is her best friend. they both met at willow house and delilah took a shine to her confidence. the girls really got along well and they’ve also started to hook up. delilah is bicurious and unsure of her sexuality so relies a lot on aliyah to take the lead.  >> ADDY is her cousin. they never grew up in one anothers lives but delilah has always known of her aunts and cousins. the girls have reunited through the talent academy competition and are getting to know each other.

AIDEN NILSEN, son of kristofer - REVAMPED bc i feel like he only existed as haley’s on/off bf.

- infj - model  - bisexual  - st judes  - kristofer moved the family out to los angeles, so aiden is now based there. he still has an incredibly addictive personality. after haley moved out to gold coast, he kind of wiped his hands of her from the time being and has taken on a more artsy/friendly persona but that doesn’t mean he is.  fc: willy cartier 

>> HALEY is his on-again and off-again girlfriend. their relationship is toxic and when he found out she transferred to gold coast, he’s mainly just looking to rub her face in the fact he’s not with her anymore. 

CHESTER JACKSON, son of margo 

- esfp  - actor  - bisexual  - blossom bell  - he has the same chaotic energy that margo has, but he’s not as much of an asshole :’) he just loves the attention. he was diagnosed with ADHD quite late in life but at this point, he can’t even put it down to that. he went to gallagher and got kicked out in his third year so he probably hasn’t been around for a bit.  fc: dylan o’brien  >> DIXIE AND FLEUR are family friends. he’s been good friends with dixie for a while and is like a brother figure to her.

SABRINA HUGHES, daughter of ezra 

- infp  - singer/actress - bisexual  - burgundy academy  - she was never the cool girl in high school and has always struggled to find her place in social settings. she’s trying to grow her confidence and make an identity for herself but she does get jealous when friends and people close to her get more attention or something that she wanted. fc: halle bailey (i’ll write more when i cbb)

>> BRIELLE is her girlfriend. the two of them are trying to balance a healthy relationship and achieve their own personal dreams.