Ellidy Pullin

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Cdinvoice

I found all those photos/vids quite heartbreaking. poor Chumpy, he would have idolised Minnie. She absolutely makes me LOL, she’s a real character, I was dying just now if the lautestes vid of cheese and crackers
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Exactly this, we call it the inheritance line.
The mortgage is settled under an endowment life policy, the insurance policy pays off the remaining debt
 
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influencerstalk

This information definitely isn’t correct even in UK
 
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thatsmygrift


different here. If you buy a house in both names and the mortgage is in both names, both the deed and the debt transfers to the living partner.
A bank might look at deferring payments for a period on compassionate grounds, but the surviving partner absolutely needs to continue to service the mortgage.

Ellidy has said multiple times on the podcast that the house is far too big to maintain on her own - I don’t mean financially, the actual house and garden maintenance. Seems like she is downsizing for very practical reasons - and does sound like she’s selling.
Let’s face it, property prices on the GC…. She’s probably going to pay the same for a smaller 2-3 bedder, as they bought the original house for in 2018.
 
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notgifted

It would be worth a decent amount, but she also has to pay top dollar for a smaller place now too.
It will need space for Rumi, it’s a shame if she’s selling her house, it’s quite nice and has a lovely pool etc but would be a lot of maintenance when she’s away a lot.
 
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influenzaaar

Cdinvoice said:
It is correct, you can’t have a mortgage without a policy that will cover debt if one dies
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Ah I see, so it’s a requirement of the mortgage that you must maintain a relevant mortgage protection insurance policy? Which for most people is an unnecessary additional cost, but handy in the event that you do die unexpectedly.
 
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influencerstalk

Cdinvoice said:
It is correct, you can’t have a mortgage without a policy that will cover debt if one dies.
The only time a problem maybe if it was a suicide death
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Doesn’t seem that’s the case. Like people think mortgages insurance that’s mandatory if you have less than 20% deposit protects you but it’s actually protect the bank.
 
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notgifted

influenzaaar said:
Ah I see, so it’s a requirement of the mortgage that you must maintain a relevant mortgage protection insurance policy? Which for most people is an unnecessary additional cost, but handy in the event that you do die unexpectedly.
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It’s all very interesting isn’t it, maybe the cost of the insurance isn’t outrageous like some here
 
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Cdinvoice

influencerstalk said:
Doesn’t seem that’s the case. Like people think mortgages insurance that’s mandatory if you have less than 20% deposit protects you but it’s actually protect the bank.
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Look I’m not going to argue with you. a close family member is going through this exact thing right now and also a colleague. I have a mortgage and it applies to us and every other person I know with a uk bank borrowing.
Anytime anybody dies and their is a mortgage lending involved it’s always a saving grace that at least the person left behind knows that they won’t be out on the street. It’s standard here.
 
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influencerstalk

Just so much information when a spouse passes and I think this sounds like another one but in any case it isn’t in Australia that’s for sure. The debt goes to the surviving spouse and / or any debt comes out of the estate before the balance is given to the spouse.
 
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notgifted

We definitely don’t get that here in Australia, it sounds like a good idea at such an awful time.
 
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Cdinvoice

If you decide on an endownment mortgage you actually don’t pay anything from your borrowing until the last year, so basically at the end of your term you still owe the mortgage but endownment policy has matured and pays off the mortgage and you then own the home. It’s slightly different in an interest mortgage but same outcome should 1 person pass
 
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yesok1

liv12345678910 said:
I found her house, it’s on Stayz in Elanora. So looks like she’s renting out as a holiday house.
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They're old photos, old couch and puppy photos. Every day this year is blocked out, doesn't look like a current listing. She still might be selling..
 
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Michy02

Why is Ellidy sharing this? I find it really weird. I’m not blocking out the child’s face. Why is it being used? She’s crying and distressed. It’s Fishers face on the promo buckets.
 
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savefloss

notgifted said:
Being called out for promoting cruelty of using animals at a circus in a heatwave
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These women are so low IQ. Happy for them to both get the chance to be ‘miracle mothers’, but find their parenting and life choices to be abhorrent. More money then sense..hope they are putting money aside for therapy
 
Reactions: 16
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