As we head into the heart of winter, there’s nothing more romantic than curling up in front of a beautiful fireplace, am I right? I certainly have fireplaces on the brain right now. We’re lucky enough to have four – count them – four fireplaces in our new/old house. Yes, that sounds excessive to me too, but it was the only way the house was heated for I don’t even know how many years (though we do have central heating now, thank goodness). I’ve never designed a fireplace before, let alone four so I’m trying to figure out what the heck to do! I’ve gathered my top seven inspiration images to give you a sense of where I’m currently headed.
Our dining room, living room, master and guest bedrooms will each feature a fireplace. Very cool? Yes. A touch overwhelming? Absolutely! Two of the fireplaces will be entirely decorative – our dining and guest bedroom. The other two will feature gas inserts. Regardless of their function or lack thereof, I still want to pay homage to the heritage of the house and create some stellar focal points. But there are so many variables to consider. There’s scale, size, the types of materials you use, any decorative elements, what the hearths should look like…the options are rather endless I’m afraid.
After scanning reams of Pinterest pages and doing some Google image searches I have begun to zero in on the general look I think we need to go for. I’m particularly drawn to 19th century Louis XV style mantels. Their curvature is so sexy! The designs often featured ornate carvings and some sort of crest at the center. But then again, stately English styles that featured a cleaner square design are also rather fetching. They certainly lend themselves to my more minimalist aesthetic. So then I’m torn. I do know that our original fireplaces also featured arched openings so I think at least one or two will need to have that design element.
With the clock ticking down on our remodel, it’s time to go into decision mode. I’d love to hear which fireplace you love the best. And if you happened to dealt with putting new fireplaces into old houses please share any tips or tricks you might have! I’ll be sure to compile all the knowledge and share it back out.
If you missed any of our remodel updates CLICK HERE
If you’re curious about the before pictures CLICK HERE
If you want to see more of my design inspirations CLICK HERE
What I’ve learned about renovating an old house CLICK HERE
image 1 via // 2, 3 via vogue.com // 4 via // 5 via // 6 via new york times // 7 via pinterest
Restoring price stability will cause some pain now, but will forestall the greater pain of higher inflation, Federal Reserve Chairman Jerome Powell said in a speech on Friday.
Powell, speaking at an economic policy symposium in Jackson Hole, Wyoming, made it clear that the Federal Open Market Committee (FOMC) would continue to be tightly focused on bringing inflation back down to its 2% goal. Although he didn’t specify how high the FOMC might raise the federal funds rate at their September meeting, markets reacted to the comments by falling sharply on Friday morning.
Powell noted that inflation was still running “well above 2%” and that although July’s numbers were better, “a single month’s improvement falls far short of what the Committee will need to see before we are confident that inflation is moving down.”
The Fed raised the federal funds rate by 75 bps in both June and July, driving mortgage rates sharply higher to more than 6% in a short period. The big question is whether we should expect a repeat in September.
“July’s increase in the target range was the second 75 basis point increase in as many meetings, and I said then that another unusually large increase could be appropriate at our next meeting. We are now about halfway through the intermeeting period. Our decision at the September meeting will depend on the totality of the incoming data and the evolving outlook. At some point, as the stance of monetary policy tightens further, it likely will become appropriate to slow the pace of increases.”
HousingWire Lead Analyst Logan Mohtashami said that while housing isn’t the main focus of the Fed’s actions, it wants to fight back against the housing market’s perception that the Fed will cut rates next year as the market gets weaker.
“I think the Federal Reserve is frustrated that total housing inventory is not back to 2019 levels, even though mortgage rates have gone as high as 6%. They are frustrated and the fact that new home listings are now declining can’t be encouraging to them,” Mohtashami said. “Powell’s comments reaffirm their stance that they will hike rates and keep them high while looking to see what happens next.”
Powell’s short remarks emphasized the Fed’s responsibility to achieve price stability, calling it “the bedrock of our economy.”
“Without price stability, the economy does not work for anyone. In particular, without price stability, we will not achieve a sustained period of strong labor market conditions that benefit all,” Powell said.
“Reducing inflation is likely to require a sustained period of below-trend growth. Moreover, there will very likely be some softening of labor market conditions. While higher interest rates, slower growth, and softer labor market conditions will bring down inflation, they will also bring some pain to households and businesses. These are the unfortunate costs of reducing inflation. But a failure to restore price stability would mean far greater pain,” Powell said.
The Fed Chair said that public expectations of continued higher inflation can become a self-fulfilling prophecy. “During the 1970s, as inflation climbed, the anticipation of high inflation became entrenched in the economic decision-making of households and businesses. The more inflation rose, the more people came to expect it to remain high, and they built that belief into wage and pricing decisions.”
Powell ended the speech by noting the Fed’s resolve. “We are taking forceful and rapid steps to moderate demand so that it comes into better alignment with supply, and to keep inflation expectations anchored. We will keep at it until we are confident the job is done.”
We’re covering this important topic at our HousingWire Annual event Oct. 3-5.Register here to join us in Scottsdale, Arizona.
Secret phone plans? No contracts? Unadvertised payment plans with no interest? These are all available. But you’ll never know until you ask.
I recently decided to switch carriers to T-Mobile, so I jumped on their website to start doing the math of the different plans that they offered.
Just when I felt I couldn’t possibly calculate the details of one more plan, I came across a section on the website that featured plans without contracts. This section was buried; in fact, I had to be logged on a friend’s account who was already a customer to be able to see the plans at all.
I was confused by what I found. The plans without the contracts had a lower monthly cost than the plans with contracts. I figured there would be a premium fee to not be locked in to a two-year contract, but I was seeing just the opposite.
I went into a T-Mobile store and asked about the plans. They didn’t show me any plans without a long contract. So I asked about a no-contract plan but the sales person was dismissive, saying “but you’re going to have to pay full pay price for the phone.”
I insisted that I wanted to see the plan anyway, and he went to the back of the store to dig up the brochure for me.
The exact same plan without a contract was $110 a month instead of $140 a month, for a savings of $360 a year. I looked for the catch, but the only catch was the no-contract plan didn’t offer the usual discount on a new phone.
The phone I wanted to buy retailed at $500, but cost just $200 with a contract. (That’s a savings of $300, in case your math muscles aren’t working.) I quickly did the math: I could save $360 per year without a contract, but would have to pay $300 more for the phone. That still left me with $60 in my pocket for not having a contract, meaning no insane fees if I wanted to leave the contract or switch carriers. Plus, everything after the first year was pure “profit”.
I soon learned from the sales associate that apparently no one had ever bought a phone outright and taken them up on the no-contract plan. It’s not advertised and therefore usually not asked about. They just assume that no one will want to pay more now in order to save later.
The sales associate couldn’t believe that I was “baller” enough (his exact words) to pay $500 for a phone — even though I was actually saving money within a year. He even asked me what I did for a living to be able to afford such an extravagance!
It gets better. When he went to ring up the phone, he asked me if I wanted a payment plan. I asked for the details and he told me that they offer no-interest payment plans so that people don’t have to shell out the full cost outright. Meaning that if you didn’t have the $500 for the phone, you could still save money by going with a no-contract plan!
Again, this isn’t advertised. You just have to ask.
It made me wonder what other companies aren’t telling me about ways that I can save because they assume that no one wants to pay more up front.
Call your cell phone company, cable company, or insurance company today and ask if they have any other options. They might have something without a contract, a AAA discount, or other ways to save. Many companies have plans they don’t publish publicly. Check out these past Get Rich Slowly articles for more ways to save:
Credit card pre-approval makes signing up for your first credit card a lot easier.
The credit card marketplace is crowded, and every issuer is advertising to get your attention. But they may not tell you (or only tell you in the fine print) which cards you’re actually likely to get approved for, or which will score you the best interest rates.
A little research into good credit cards can help you cut through the noise, and the pre-approval process helps you narrow down which cards are the best fit for your (cloth or virtual) wallet. It’s a low-risk opportunity to pick the credit card with the features you want — and to make sure you qualify.
What’s Ahead:
What is pre-approval?
Credit card companies are always on the lookout for new customers. One way they find potential cardholders is by pre-screening credit reports from the major credit bureaus.
They identify consumers whose credit scores and reports are in the ballpark of what the company looks for — like no bankruptcies, no delinquencies for several months, and a score below the company’s minimum cutoff.
Then they’ll send a pre-approval card offer to these consumers.
It’s important to remember that pre-approval doesn’t mean you’re automatically qualified for the card. But it does mean you’ve made the “first cut” by fitting the credit card issuer’s most basic requirements.
What’s the difference between pre-qualification and pre-approval?
Some issuers use the term “pre-qualified” instead of “pre-approved.” Though these terms are sometimes used interchangeably, they describe different types of offers based on who initiates the process.
Pre-qualification for a card means the customer (you) makes the first request.
If you’re interested in a specific card, you can go to the company’s website and fill out some basic info. The company responds by showing you the cards and offers you might qualify for if you made a formal application. At that point, you’re “pre-qualified” and can decide whether or not to apply.
Or a lender may invite you to find out if you pre-qualify for their card (through an advertisement, for instance). This isn’t pre-approval, since the lender hasn’t screened your credit yet to see if you’ve made the first cut.
Pre-qualification may be the route to take if you’re brand new to credit — without a credit score, you’re probably not getting on pre-approval mailing lists.
Pre-approval means the credit card company reaches out to you first because you meet their basic requirements. Once they’ve scanned consumers’ credit scores, they let certain consumers know they’ve been “pre-approved.”
Lenders often tap into their existing customer base to find people to pre-approve, as well. If your current bank is rolling out a new credit card, for example, they might send you a pre-approval offer.
Which is better, pre-approval or pre-qualification?
Neither of these processes is better than the other, or more likely to get you final approval. They’re just different ways to review your credit card options.
For both pre-approval and pre-qualification, you’ll go through a soft credit check — a check that doesn’t impact your credit score. This means both processes are relatively risk-free.
The hard credit check, the one that knocks a few points off your score, doesn’t happen until you fill out the longer application for the card.
Read more: Soft pull vs. hard pull – how each affects your credit
How do I get pre-approved for a credit card?
Respond to an offer from a credit card company
If you have time to pick a card and don’t have a lender you prefer, you can wait for the credit card company to come to you.
Companies do still send offers by snail mail, though not as much as they once did. So it’s worth taking a look at any mail offers before dropping them in the recycling bin.
Pre-screened offers are different from the general mailings that companies send to everyone on their marketing list. Look for the words “pre-approved,” “pre-qualified,” or “pre-screened.” The offer may include an invitation code you’ll need to apply for the card online.
One advantage to applying for a pre-approval offer is that they’ll sometimes give you an introductory deal associated with the offer, like a sign-up bonus or a few extra months of 0% interest.
These deals aren’t always advertised to the general public, so they’re a nice pre-approval perk.
Request pre-qualification on a credit card company’s website
Inquiring about a pre-qualification offer may be the best way to get credit card pre-approval if:
You’re new to credit and opening your first credit card.
You’re rebuilding a low credit score.
You want to go through a certain bank or apply for a specific card, and you haven’t received an offer.
You want to check out a wider range of card options.
Most major card issuers that offer pre-qualification have an online link to a simple form. Usually, you won’t enter more than your:
Name.
Address.
Date of birth.
Social security number.
Why is it important to get pre-approved or pre-qualify?
If you’re shopping around and considering lots of different cards, pre-qualification is a risk-free way to compare initial offers before you fill out any applications.
The pre-approval stage allows you to:
Rule out any cards or issuers that you don’t qualify for, so you don’t waste time applying.
Figure out the interest rate range you’re likely to get.
Compare potential sign-on bonuses, loyalty rewards, and other credit card features.
Double-check the card company’s requirements for cardholders, which are more detailed than their pre-approval requirements.
When you take the next step of a formal application, you’re officially applying for new credit. This means the company is required to run a hard credit check. They’ll ask your permission first.
Hard credit checks do show up on your credit score, usually knocking it down only 10 or 20 points. That’s not a huge deal if it happens once in a while.
But if you apply for credit pretty frequently — more than two or three times in six months — your credit score takes a bigger drop.
With pre-approval, you can make sure you’re only committing to the hard credit check if you’re likely to be approved for new credit.
Picking the right credit card to apply for
As a savvy MoneyUnder30 reader, you probably know this already, but I’ll remind you just in case: pre-approval or pre-qualification doesn’t mean the card is the best fit for your needs and lifestyle.
First, spend some time figuring out what you want in a credit card. I suggest asking yourself questions like:
Are you likely to use it for big expenses like travel, or everyday costs like groceries?
Do you want a card where the rewards category matches up with the way you spend?
Is your main goal to start building credit?
Once you know what’s important to you, you can use the pre-approval process to find cards that are a good match.
This is especially helpful if your credit card pre-approval offer suggests multiple cards from the same company. These cards will all have slightly different terms, so take the time to do your research about their differences.
Read more: Best credit cards for young adults & first-timers
How do you apply for a credit card after you’re pre-approved?
The pre-approval or pre-qualification process doesn’t require much info.
You’ll usually enter your name, birth date, address, and your social security number (either the last four digits or the whole number) to confirm your identity.
The official application is a lot more thorough. At a minimum, be prepared with:
Income information. You may or may not need to submit proof of income, depending on the issuer. But you’ll at least have to estimate how much you earn every year.
Housing payment information. This should include how much you’re paying in rent or mortgage a month.
Employment status.
Income details for a co-signer, if someone is co-signing for the card with you.
Read more: How to apply for a credit card (and approval requirements)
What credit score do you need?
It depends. There’s no minimum score that applies to all issuers, so if you have any credit at all, it may be possible to pre-qualify for a card. Of course, the better your credit is, the more offers will be available.
If you don’t have a credit history, it’s a little trickier. Some card issuers consider alternative credit data, like income and work history, to determine financial responsibility.
Read more: What credit score do you need to get approved for a credit card?
After you get approved
If you make the final cut and get approved, not just pre-approved, it’s time to double-check your card terms.
Credit card companies are required to provide the same terms listed in the initial pre-approval offer if they accept you. This means you should get the same interest rate, fee, or bonus that was stated in the offer. Many pre-approvals show a range of interest rates, so they’re required to give you a rate somewhere within that range.
Read more: The best credit cards – MU30’s top picks
Are you guaranteed approval when pre-approved for a credit card?
Not necessarily. A pre-approval or pre-qualification is an invitation to apply, not a guarantee of acceptance. It means there’s a strong chance you’ll meet the standards for cardholders, but the lender needs to know more before actually extending you credit.
Can you get denied after pre-approval?
Remember, pre-approval is just the first step in the process. You can get denied after submitting a formal application, even if you were pre-qualified or were pre-approved.
According to a 2019 report, only around 40% of credit card applicants made the final cut and got approved for a card.
When you officially apply, you’re giving credit card issuers a lot more information about your financial status than you did in the pre-screening stages. This means they’ll judge you a little more strictly.
Here are some of the most common reasons pre-approved candidates get their applications declined:
Your monthly or annual income doesn’t meet the issuer’s minimum cutoff.
Your reported payments are too high relative to your income.
Your credit data has changed significantly since the pre-approval offer.
You’ve taken on debt or missed several payments since the pre-approval offer.
Your income has dropped since the pre-approval offer.
The lender should send you a letter telling you why they made the decision, so it won’t be a mystery.
What if I can’t get pre-approved for a credit card?
If you don’t get any card pre-approvals or pre-qualifications, don’t sweat it. Credit lenders may be looking for cardholders who fit a particular financial profile, and that doesn’t reflect on your general creditworthiness. You still have a number of options.
Try pre-qualifying with another credit card company. Their terms may be more generous or suited to what you need.
Apply anyway. This is a risk because the issuer will run a hard credit check. But if you have stable employment, good income stats, or a co-signer with strong credit, these factors may make up for a less-than-perfect credit score.
Work on improving your credit. Make rent, bill, and loan payments on time. If you’re brand new to credit, you can take out a credit builder loan (as long as you’re able to pay it back on schedule!). Or ask a trusted family member or partner if you can be an authorized user on their account.
Read more: How to build credit the right way
Apply for a secured credit card
For credit newbies, secured credit cards are a nice bridge into the world of credit, and a lot of major card issuers offer them.
You’ll “secure” the card with a deposit — this amount can vary, but think around $200 — which gives you access to a credit line up to that amount. Then you spend just as you would on any other card.
After several months of responsible use, you’ll usually be eligible to transition to an unsecured credit card from the same company.
Read more: Best secured credit cards
Credit card companies that offer pre-approval
Most of the bigger credit card names have pre-approval or pre-qualification forms that are easy and quick to fill out online.
Keep in mind you may not be able to seek pre-approval for every card in the lender’s collection, but they’ll offer a decent range of cards to choose from.
Summary
Whether you’re getting your first credit card or adding one to your collection, it’s worth going through the pre-approval process first. You’ll save time, preserve your credit, and hopefully end up with a great card that will help you achieve financial stability.
North Dakota is known for its breathtaking natural beauty, rich history and grade A college towns.
It may come as a surprise to some that North Dakota is home to some of the most vibrant college towns in the country. In this article, we will explore the most exciting college towns in North Dakota, where students, residents and visitors alike can enjoy a unique blend of culture, entertainment and education.
Lace up your hiking boots and get ready to explore the scenic beauty and cultural bounties of these stunning North Dakota college towns.
First on our list of college towns in North Dakota is the bustling city of Grand Forks. Home to the University of North Dakota, Grand Forks boasts a lively atmosphere and a strong community spirit. The vibrant downtown area offers plenty of restaurants, bars and shops that cater to both students and locals, making it a popular gathering spot for those looking to unwind after a busy day on campus. The city also hosts events throughout the year, including art walks, outdoor concerts and farmers’ markets, ensuring there’s never a dull moment in Grand Forks.
Outdoor enthusiasts will also find plenty to love about this North Dakota college town. Grand Forks is situated along the beautiful Red River, offering ample fishing, kayaking and hiking opportunities. The nearby Turtle River State Park is another popular destination, with its stunning landscapes, scenic trails and abundant wildlife. UND’s campus is equally picturesque, featuring beautiful green spaces, historic buildings and state-of-the-art facilities that reflect the university’s commitment to excellence in education and research.
Next up on our tour of the best college towns in North Dakota is Fargo, the state’s largest city and home to North Dakota State University. Fargo has earned a reputation as a thriving cultural hub, thanks in part to its active arts scene and an impressive display of museums, galleries and theaters. The historic Fargo Theatre, a beautifully restored 1920s movie palace, is a must-see for film buffs and architecture enthusiasts alike. Meanwhile, the Plains Art Museum houses a diverse collection of contemporary and Native American art.
But Fargo is more than just a cultural oasis in the northern plains; it also offers a vibrant nightlife and a growing food scene that caters to a variety of tastes. Downtown Fargo is home to an eclectic mix of bars, breweries and restaurants, including the legendary Dekker Brewing Co. NDSU students are known for their school spirit and you can often find them cheering on the Bison at various sporting events. With its exciting blend of arts, culture and entertainment, it’s no wonder Fargo consistently ranks among the best college towns in North Dakota.
Known as the City of Bridges, Valley City is another charming North Dakota college town that deserves a mention. Home to Valley City State University, this picturesque community is nestled in the Sheyenne River Valley and offers a tranquil setting for students and residents. Valley City’s historic downtown district features a unique blend of architectural styles, including Victorian, Romanesque and Art Deco buildings.
Beyond its quaint downtown, Valley City boasts ample opportunities for outdoor recreation. The Sheyenne River Valley National Scenic Byway winds through the area, showcasing the region’s stunning landscapes and offering access to a variety of parks and serene outdoor spaces. In the winter months, the Sheyenne River Valley becomes a haven for snowmobiling, cross-country skiing and ice fishing. With its combination of natural beauty, rich history and welcoming community, Valley City is undoubtedly one of the most charming college towns in North Dakota.
Our next stop on this journey through North Dakota’s top college towns is Minot, affectionately known as the Magic City. Minot is home to Minot State University and boasts a thriving arts scene, making it an attractive destination for students and visitors alike. The city’s downtown area is a hub of activity, with a variety of shops, restaurants and entertainment venues that cater to diverse tastes. The annual North Dakota State Fair, held in Minot, attracts thousands of visitors and showcases the best of the state’s agriculture, art and entertainment, further cementing Minot’s status as a lively college town.
Outdoor enthusiasts will find plenty to love about Minot as well. The city is home to numerous parks and green spaces, including the stunning Scandinavian Heritage Park, which celebrates the region’s rich cultural history. The Roosevelt Park Zoo, a popular destination for families and animal lovers, features a variety of species and educational exhibits. In addition, the Souris River, which flows through the heart of Minot, provides opportunities for fishing, canoeing and kayaking, making this North Dakota college town an ideal destination for all.
Bismarck is the state capital and home to the University of Mary and Bismarck State College. As the political and cultural heart of North Dakota, Bismarck offers an eclectic mix of entertainment, dining and shopping options that appeal to students, residents and first-time visitors alike.
Bismarck’s location along the Missouri River allows easy access to top-notch outdoor recreation resources. The city boasts an extensive network of parks and trails, including the popular Keelboat Park, which offers stunning views of the river and the nearby bluffs. In addition, Bismarck is just a short drive from the spectacular Theodore Roosevelt National Park, making it an ideal base for exploring North Dakota’s natural wonders.
As an added bonus, we’ll briefly mention Jamestown, another gem among North Dakota’s college towns. Home to the University of Jamestown, this quaint city offers a tight-knit community feel and a rich history that dates back to the 19th century. Jamestown’s charming downtown area features a variety of shops and restaurants. The nearby Jamestown Reservoir and Pipestem Reservoir provide excellent opportunities for fishing, boating and camping, making this college town a haven for nature lovers looking to get a great education.
Now’s the time to make the move to an ND college town
The college towns in North Dakota featured above offer a diverse array of experiences that cater to students, locals and passersby alike. From the bustling city life of Fargo and Grand Forks to the tranquil beauty of Valley City and Minot, each of these vibrant communities provides a unique blend of culture, entertainment and education. Whether you’re a prospective student, a lifelong resident or simply passing through, you’re sure to find something to love in each of North Dakota’s best college towns. So, pack your bags and get ready for a rollicking ride through the Peace Garden State’s most exciting and charming college towns.
New Zealand has long been on my bucket list, so when the opportunity to spend a night in Auckland presented itself, I jumped on it.
Although I would have liked to stay longer than 24 hours, I thoroughly enjoyed my time at the Park Hyatt Auckland. Given the property’s modern feel and its relatively cheap cost in points, I’ll absolutely be returning.
Booking
There aren’t that many Park Hyatts in the world; fewer than 50 are either open or being built. The Park Hyatt Auckland is a great deal when it comes to these top luxury properties.
As a World of Hyatt Category 5 hotel, a night here can cost as few as 17,000 Hyatt points at off-peak times. I spent 20,000 points for a standard night. The room I booked would have cost just over $400 in cash.
If you have Globalist elite status with Hyatt, you might get upgraded when you visit, as I did. Although the hotel was almost fully booked, I was able to score an upgrade to the best-available room, which featured a harbor view and a balcony.
🤓Nerdy Tip
The Park Hyatt Auckland levies additional charges on payments made with credit or debit cards. In this case, I would have paid a 2% surcharge if I hadn’t used points to book.
Location
The Park Hyatt Auckland is centrally located on the city’s famous harbor. Several shops, boats, cafes and more are within walking distance, making it a great option for those without a car.
Accommodation
My room was ready when I arrived at the hotel just after noon, a few hours before standard check-in time. It looked to be among the first they’d cleaned, and I was thrilled not to have to wait around in the lobby, even though it looked very sleek.
The room included state-of-the-art features such as automated window shades and external screens on the balcony. And the view was incredible.
The room featured one large king bed, a separate table with a chair, and a seating area.
There was also a paid minibar at the entrance, though I didn’t partake.
The large balcony had a nice table with a couple of chairs, though the low height meant staring through the fencing, which was awkward.
Inside the walk-in closet were a pair of robes and slippers, which I used while in the room.
However, the most remarkable feature was the bathroom, which was separated into two distinct areas.
The first area was a stand-alone powder room with its own sink and a toilet, while the main bathroom featured a huge soaking tub, two marble sinks and a shower.
Toiletries in the bathroom were by Citron and Vetiver. I don’t often use hotel toiletries, as I find the quality pretty low (even at really nice hotels), but these smelled nice and were good enough to detangle my hair.
I spent the majority of my time in Auckland in the room, catching up on work, so I deeply appreciated the chocolate bar left on the bed.
A few minutes after I arrived, I was also surprised with a welcome amenity of Pavlovas with cream and lemon curd. It also included two additional bottles of water.
I’m not ashamed to say these freebies constituted my dinner for the evening, especially since the Park Hyatt Auckland doesn’t have its own executive lounge.
Food and beverage
Globalist members and their guests receive complimentary breakfast at Hyatt hotels, either in the club lounge or the hotel’s restaurant. As there was no club lounge, instead I enjoyed breakfast at Onemata, the hotel’s signature restaurant.
Globalist members are entitled to both the breakfast buffet and an entree from the menu, as well as hot drinks.
Breakfast hours vary based on the day:
Monday to Friday: 6:30 a.m. to 10:30 a.m.
Saturday, Sunday and public holidays: 7 a.m. to 11 a.m.
I’ll admit, I went a little wild.
The buffet wasn’t huge, but it included high-quality items such as:
Smashed avocados.
Burrata with tomatoes.
Cold cuts.
Fresh fruits.
Chocolate milk.
When was the last time your local breakfast buffet came with kiwifruit, a caprese salad, avocado toast and locally produced chocolate milk? I rate this one a 10 out of 10.
I also ordered eggs Benedict from the main menu, but didn’t end up eating much of it. I blame the chocolate milk.
The hotel also has a few other dining options, including a lobby bar and a quick-service spot:
The Living Room: Open 8 a.m. to 9 p.m.
The Pantry: Open 7 a.m. to 2 p.m., or 8 a.m. to 3 p.m., depending on the day of the week.
Captain’s Bar: Open 4 p.m. to 11 p.m. or midnight, depending on the day of the week.
The Living Room, which is essentially a lobby bar, looked like a great place to take in the view over drinks.
Otherwise, Onemata is also open for lunch and dinner.
Amenities
Pool
The pool area isn’t huge, as you’d see at a resort hotel, but that’s expected given that you’re in the middle of a city. What it lacks in size, it makes up for with its great view.
The pool area is open from 6:30 a.m. to 9:30 p.m.
Gym
For those looking to get in a workout, the hotel gym is open 24 hours and has a wide range of equipment, including treadmills, free weights and resistance machines.
How to get to the Park Hyatt Auckland
New Zealand is an interesting beast when it comes to flights. It’s decently connected to the U.S. with nonstop flights operated by Air New Zealand, United Airlines, Hawaiian Airlines and more.
If you’re looking to travel with points or miles, one solid option is using Virgin Atlantic points to fly on Air New Zealand. A one-way business class flight from the U.S. to Auckland costs 62,500 Virgin points. Although these seats can be hard to find, Virgin Atlantic points are easy to earn compared with other airline award currencies. They’re transfer partners with the following points programs at a 1:1 ratio:
The Park Hyatt Auckland is located about 13 miles from Auckland’s airport. Trains from the airport into the city stop a little over a half-mile from the hotel, but I opted to take a rideshare since I had luggage with me. The ride took about half an hour and cost around $35.
If you’re looking to stay at the Park Hyatt Auckland
I spent just over 24 hours at the Park Hyatt Auckland, and I was very impressed overall. Although I didn’t manage to snag a suite upgrade, the modern amenities and generous breakfast made it well worth my while.
Coupled with the incredible location and reasonable cost in points, this is one property I’ll be happy to revisit.
(Top photo courtesy of Hyatt)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
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Pretty much everyone upped their spending on take-out food in 2020 – and for good reason. With restaurants closed for indoor dining and grocery stores experiencing unpredictable staffing and inventory issues, many consumers chose to order out for the majority of their meals.
Now that things are returning to normal, you may be wondering how to adjust your budget accordingly. We’ll walk you through how to determine the right amount to budget for take-out and dining, and give you some strategies to save money when ordering from your favorite restaurants.
How Much Should You Spend on Dining and Take-Out?
It’s hard to give an exact prescription for how much you should spend on take-out because it largely depends on the specifics of your budget and financial situation. In general, your food budget, including groceries and eating out, should make up between 10 and 15% of your income. Families with multiple children may spend more than that, so don’t worry if your percentage exceeds the recommendation.
If you’re not sure how much you spend on food, go through your transactions for the past few months and calculate the percentage.
John Bovard, CFP of Incline Wealth Advisors said consumers who have no credit card debt and invest 20% or more of their income in a retirement account can spend 10% of their post-tax income on take-out.
Ways to Save on Takeout
Want to keep your takeout tradition but still feel like you’re spending too much? Here are some tips to save money when ordering out from your favorite restaurants:
Pick up in person
Everyone knows that delivery fees add a huge surcharge to your total bill, but you might not realize how big the difference actually is. A New York Times article found that the same sandwich at Subway costs between 25% and 91% more when delivered, depending on the specific delivery app.
A $20 order could cost between $5 and $18.20 more if you get it delivered. The cost is generally higher during weekends and holidays.
Look for specials
Plan your take-out around restaurant specials. Follow restaurants on social media to see when they’re running discounts, like half-price oysters on Sundays or happy hour specials. When you’re picking up the food, ask someone behind the counter when the best deals are.
Restaurants often print coupon codes or discounts on their receipts, so don’t forget to check there.
Use discounted gift cards
Many restaurants and fast food places sell gift cards and often run special sales, like selling a $50 gift card for $45. This is especially popular during the holiday season.
Wholesale clubs like Costco and Sam’s Club regularly sell discounted gift cards to popular chains. For example, you can buy $100 worth of gift cards to California Pizza Kitchen for only $80 at Costco, or $75 worth of Domino’s gift cards for only $65.
You can also buy restaurant gift cards online through GiftCardGranny or CardCash, which sell gift cards for up to 10% off.
Skip dinner
Dinner is the most expensive meal of the day, so opt for breakfast or lunch if you’re eating out. If you get take-out a couple times a week, use one for dinner and the other for brunch or lunch.
Cash in rewards
Some restaurants have loyalty programs you can join with an email address or phone number, while others have an old-fashioned punch card system. Keep track of these rewards so you cash them out before they expire.
Order catering
If you’re eating with a group of people, see if the restaurant offers catering, which may be less expensive than ordering individual entrees. Everyone will have to eat the same thing, but it’s a great way to save money.
Sign up for restaurant emails
Both local and national restaurants often have email newsletters you can join to get extra discounts. For example, my favorite Mexican restaurant is constantly sending me emails for 10 or 15% off take-out.
Create a separate label for these emails so you can sort through them before ordering take-out. You can also add reminders on your phone to use the discounts before they expire.
Use a rewards credit card
Many credit cards offer points or cashback when you dine out, and some let you cash in points for restaurant gift cards. Look up the rewards policies for your current credit cards to see which one you should use for restaurants.
Consider opening a new card if you don’t have a dining rewards card. The Chase Sapphire Preferred offers 2% cashback for dining and also comes with a year of DashPass, the DoorDash subscription service with $0 delivery fees.
Chase Sapphire Reserve cardholders earn 3% cashback on dining, get a free year’s worth of DashPass and also have $60 of DoorDash credit for the first year.
Most dining rewards cards have an annual fee, usually around $95, so don’t open one unless the cashback rewards will exceed the fee. Some card companies will waive the fee for the first year, allowing you to see if you’ll earn enough rewards to offset the fee. Some rewards credit cards also let you cash in points for restaurant gift cards.
Buy a food delivery subscription
If you don’t have easy access to transportation, then ordering delivery may be your best option. In this case, consider signing up for a food delivery membership. DoorDash, Grubhub, Postmates, and Uber Eats all offer a monthly subscription for around $10. Each subscription comes with free delivery and other specials.
Before you sign up, calculate how often you order out and see if a monthly membership makes sense. If you have a neighbor or roommate, consider splitting a subscription with them to save even more money.
Many of these services have a free trial period, allowing you to gauge how much you’ll actually use them. Choose the app with the largest number of restaurants you like.
Use a browser extension
Browser extensions like Rakuten provide cashback when you order from delivery sites like Grubhub and Seamless. Just click on the Rakuten button on the top right of your browser when you visit either of those sites. You’ll earn up to 11% cashback with eligible orders.
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Zina Kumok is a freelance writer specializing in personal finance. A former reporter, she has covered murder trials, the Final Four and everything in between. She has been featured in Lifehacker, DailyWorth and Time. Read about how she paid off $28,000 worth of student loans in three years at Conscious Coins. More from Zina Kumok
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In today’s modern world, the house goals of yesteryear are a distant memory.
Long gone are the days of window shutters, oversized crystal chandeliers, multiple small rooms, intricate designs, wrought-iron railings, small windows, and large porches with overhanging beams.
Modern mansions favor simple and clean designs with open spaces.
While traditional mansions offer intricate and elegant details, today’s luxury homes feature straight lines, geometric shapes, a flat or low-sloped roof, and clean exteriors with little to no texture.
Luxurious homes of the past featured building materials such as brick, wood, plaster, stucco, and stone. Meanwhile, contemporary mansions favor newer, more technologically-advanced building materials including reinforced steel and concrete.
And windows, lots and lots of floor-to-ceiling windows.
Sophisticated smart homes are all the rage, as are connected outdoor spaces, white rooms and simple color palettes, open floor plans, glass walls allowing for ample natural light, green features, security settings, and the utmost privacy.
While traditional mansions typically featured a number of small, single-purpose rooms, modern floor plans include seamless open-ended spaces.
After all, one cannot be confined to small spaces while living that luxurious lifestyle!
A closer look at 18 of our favorite modern mansions
When it comes to stunning estates, we’ve got you covered.
From wraparound pools featuring panoramic views to glass walls for days, to dream chef kitchens, to seamless indoor-outdoor living spaces, we’re taking a look at 18 modern mansions that have knocked our socks off.
And we think you’ll (really, really) like them too.
A Marc Whipple-designed modern mansion with a wraparound pool
Designed by acclaimed architect Marc Whipple, this massive 11,200-square-foot home in Beverly Hills is quite a stunner.
Offering six bedrooms, seven bathrooms, and two half baths, the multi-million dollar manse features disappearing walls of glass, so that its residents can enjoy the stunning views from each and every room.
Speaking of views, they’re completely unobstructed, with downtown Los Angeles, Catalina Island, and the coastline on full display. Those lovely landscapes can be seen from the home’s stunning wraparound pool.
Other luxurious amenities include a movie theater, a secret Zen garden, gym, guest house, glass wine cellar, gated driveway, and an outdoor kitchen.
This Beverly Hills manse had its moment of fame a few years back, when it was rented by Rockstar hitmaker Post Malone. It was later listed for sale with a whopping $26 million asking price.
A breathtaking Hollywood mega mansion with museum-quality energy crystals throughout
Built in 2021, this mega mansion is located in the heart of Hollywood.
Boasting panoramic views of downtown Los Angeles, the Pacific Ocean, and the canyon, the home offers six beds, nine baths, and nearly 10,365 square feet of living space.
Photo credit: Sean Gordon courtesy of The Agency
The sophisticated smart home features museum-quality crystals sourced from around the world and placed with extraordinary care throughout to energetically enhance the residence.
Offering double-height ceilings and incredible indoor/ outdoor living spaces, the California compound also includes a custom home theater, fitness center, wine cellar, second living room and all the finest custom finishes.
Photo credit: Sean Gordon courtesy of The AgencyPhoto credit: Sean Gordon courtesy of The AgencyPhoto credit: Sean Gordon courtesy of The AgencyPhoto credit: Sean Gordon courtesy of The AgencyPhoto credit: Sean Gordon courtesy of The AgencyPhoto credit: Sean Gordon courtesy of The Agency
Setting a new gold standard for Southern California living, the picturesque backyard — which is front row to the city and canyons — features a beautiful sparkling pool/spa, a built-in BBQ area, and a grassy green lawn.
See more of this unique Hollywood mega-mansion here.
A striking $150M modern mansion in Bel-Air with 360-degree views
This beautiful home in Bel-Air has all the bells and whistles you’d expect in a modern mansion (and then some).
Photo credit: Matthew Momberge courtesy of Compass
Designed by award-winning architecture and design firm, Saota, the private compound is perched on a promontory high above the city — opening up to unobstructed, 360-degree views of Los Angeles.
Set on a 1.15-acre lot, the swanky crib offers nine bedrooms and fourteen baths spread across 20,841 square feet.
Some of the luxury amenities include an infinity pool with a secluded cabana and pool-side sunken fire pit, three separate staff quarters, and a one-bedroom guest house with a separate, private pool.
Photo credit: Matthew Momberge courtesy of CompassPhoto credit: Matthew Momberge courtesy of CompassPhoto credit: Matthew Momberge courtesy of CompassPhoto credit: Matthew Momberge courtesy of CompassPhoto credit: Matthew Momberge courtesy of CompassPhoto credit: Matthew Momberge courtesy of Compass
This magnificent manse was owned by George Ruan, co-founder of online coupon-clipping company Honey (now part of Paypal).
The Razor House in San Diego, the real-life Iron Man house
The one-of-a-kind architectural masterpiece known as The Razor House was designed in 2007 by San Diego-based architect Wallace E. Cunningham.
Photo credit: Gary Kasl courtesy of The Agency
The striking concrete and glass mansion — dubbed ‘the Iron Man house’ due to its resemblance to Tony Stark’s mansion in the famous Marvel movie — is perched on the edge of a cliff overlooking the Pacific Ocean.
Offering endless concrete terraces, the stunning estate has mesmerizing views of surrounding hills and the ocean below.
Photo credit: Gary Kasl courtesy of The AgencyPhoto credit: Gary Kasl courtesy of The AgencyPhoto credit: Gary Kasl courtesy of The AgencyPhoto credit: Gary Kasl courtesy of The AgencyPhoto credit: Gary Kasl courtesy of The Agency
Featuring several outdoor lounge areas, the luxurious three-story home comes with six bedrooms and six baths, with nearly every room opening up to jaw-dropping views.
In 2019, Grammy Award-winning singer Alicia Keys and husband Swizz Beatz bought The Razor House in a $20.8 million deal.
Villa Vella, one of Europe’s finest contemporary homes
Spanish dream house, anyone?
Dubbed Villa Vela, this sprawling 23,476-square-foot property is located in the sun-bathed province of Andalusia, Spain.
Photo credit: The Agency
Sitting behind its own gates, at the end of a sweeping driveway, Villa Vela offers a total of six bedrooms and six baths.
The posh property has been designed to be free-flowing and, as such, has an open plan, including floor-to-ceiling retracting windows that open directly onto a terrace that stretches from one end of the house to the other.
Photo credit: The AgencyPhoto credit: The AgencyPhoto credit: The AgencyPhoto credit: The AgencyPhoto credit: The Agency
Not to mention, each of the suites has its own outdoor space, and they also all connect directly to the vast upper terrace, its lawn, garden, and dining area, and benefit from breathtaking views.
A futuristic, yacht-shaped mansion perched high atop the Los Angeles hills
This 17,000-square-foot modern residential oasis in the upscale LA neighborhood of Brentwood is redefining luxury living.
Photo credit: The Agency
Southern California-based architectural firm de Loren & Associates purposefully designed the building by superior wellness standards, without sacrificing on design but rather adding to it.
Inspired by the clean lines and interior spatial layouts of yachts paired with the motion of the sea, the curving exterior facades are reminiscent of ocean waves, wind, and clouds that make not only for an exhilarating lifestyle but also appealing to the eye.
The modern mansion boasts seven bedrooms, eight bathrooms, and three powder rooms across three levels.
Photo credit: The AgencyPhoto credit: The AgencyPhoto credit: The AgencyPhoto credit: The AgencyPhoto credit: The AgencyPhoto credit: The Agency
Featuring a massive list of upscale amenities, the beautiful Brentwood home offers a 610-bottle wine cellar, commercial speed glass elevator, movie theater, state-of-the-art gym, a 300 sq. ft. green wall, and a lower-level entertainment area with a full bar, pool table and more.
And there’s plenty of room for Stormi and Wolf to explore! Turns out, this luxurious residence is owned by none other than rapper Travis Scott.
A newly-built Encino mansion with bright, airy, and warm interiors
We can’t get enough of this amenity-rich mansion with modern interiors and a killer guest house.
Photo credit: LA Light Photography and The Luxury Level
The seven-bedroom, eight-bathroom Encino home offers 9,081 square feet of living space enclosed within a private, gated estate with surrounding landscape.
The stunning estate is a beautiful example of modern California living, with picture-perfect interiors, exquisite finishes, jetliner views, and plenty of attractive amenities.
Featuring warm wood tones, the large windows and Fleetwood doors open up to unobstructed views and plenty of natural light.
Photo credit: LA Light Photography and The Luxury LevelPhoto credit: LA Light Photography and The Luxury LevelPhoto credit: LA Light Photography and The Luxury LevelPhoto credit: LA Light Photography and The Luxury LevelPhoto credit: LA Light Photography and The Luxury Level
The carefully thought-out finishes give the home a modern vibe that extends into the bedrooms as well. The second level of this luxury Encino home has four bedrooms, including the master suite, which walks out to a 1,200-square-foot balcony with a fire table.
Naturally, this wonderful modern manse caught the eye of a famous buyer; it’s now owned by Modern Family star Jesse Tyler Ferguson and husband Justin Mikita.
A modern 4-story house facing one of the most beautiful coastal shorelines in all of California
We love this modern mansion set in the most desirable area of Manhattan Beach, The Strand, an oceanfront neighborhood lined with modern-looking mansions that typically sell in the $5 million to $15 million range.
Photo credit: Paul Jonason courtesy of Stroyke Properties Group
Spanning 6,978 square feet of modern living space, the home offers six bedrooms and eight baths.
Designed by renowned L.A. studio KAA Design, this four-story home was envisioned around life, in all its texture, at the beach.
Rather than cluster sleeping areas on a single floor, they’re strategically spaced across the four levels, with the third floor being home to a primary suite with a private office that’s luxuriously sequestered in the style of a penthouse.
Photo credit: Paul Jonason courtesy of Stroyke Properties GroupPhoto credit: Paul Jonason courtesy of Stroyke Properties GroupPhoto credit: Paul Jonason courtesy of Stroyke Properties GroupPhoto credit: Paul Jonason courtesy of Stroyke Properties Group
The private elevator takes residents and guests down to the beach room, which is level with the Strand itself, and lounge on the patio, front row to a peaceful scene of sea, sand, and sky.
Read more about this beautiful modern mansion here.
A $70M contemporary marvel that reimagines luxury living for the 21st century
Located in the coveted Brentwood neighborhood of Los Angeles, this modern mansion is what happens when a star-studded team consisting of award-winning architect Noah Walker, AD 100 interior designer, Jamie Bush, and renowned landscape designer, Christine London LTD comes together.
Image credit: Benny Chan courtesy of The Agency
Spanning 19,000 square feet, this beautiful abode is set on a sprawling four-acre lot and offers six bedrooms and 12 bathrooms alongside many recreation rooms.
The plush property has 270-degree views of the city, ocean, and canyon, and a long list of amenities that include a theater room — with acoustical wall paneling and a commercial cinema-quality projection system — a gym with a steam room, a 75-foot indoor lap pool, outdoor architectural pool and dual offices.
Image credit: Benny Chan courtesy of The AgencyImage credit: Benny Chan courtesy of The AgencyImage credit: Benny Chan courtesy of The AgencyImage credit: Benny Chan courtesy of The Agency
We first covered this luxurious contemporary home when it first came to market last year with an ambitious asking price of $70 million.
Just a few months later, it was purchased by music mogul Scooter Braun (better known as Justin Bieber and Ariana Grande’s manager, and Taylor Swift‘s manager-turned-foe) for $65 million.
The Ora House in San Diego, where contemporary architecture meets serene living
In the hilly, seaside neighborhood of La Jolla in San Diego, a modern cliffside mansion has all the dream house vibes.
Street view of the property. Photo credit: Blue Heron
Built by Blue Heron’s BH Elite custom home division, the Ora House, as the property has been named, is a true architectural marvel.
The stellar design team incorporated the same innovative biophilic design and advanced Savant technology used in Blue Heron’s flagship home, VM001 in Las Vegas, to “enhance the flow of life while creating an overall sense of peace and natural wellbeing.”
The cliffside estate is set in La Jolla’s exclusive Bird Rock Waterfront enclave and totals 8,878 square feet of living space.
Photo credit: Blue HeronPhoto credit: Blue HeronPhoto credit: Blue Heron
The architectural marvel has five bedrooms and eight baths across its four levels, with each level embracing the outdoors with spaces tailored for both entertaining and private moments.
A striking celebrity compound with a modern heptagon-shaped house
Check out this contemporary compound in La Crescenta, Calif.
Photo credit: Cameron Carothers courtesy of Compass
Designed by AD100 architect Michael Maltzan, this dramatic, heptagon-shaped house has spaceship vibes, is surrounded by seven exterior walls (some made out of glass), and is anchored by an open-air courtyard that sits right at the center.
Nearly all the rooms of the house come with sliding floor-to-ceiling windows that open up to either the serene courtyard or beautiful mountain and city skyline views.
Some of the stand-out features of the modern mansion include a primary suite with an entire wall of glass that opens up to a generously sized balcony and a particularly unique bathroom with a blue curved penny-tiled wall surrounding the shower.
Photo credit: Cameron Carothers courtesy of CompassPhoto credit: Cameron Carothers courtesy of CompassPhoto credit: Cameron Carothers courtesy of Compass
This unique home was owned by Red Hot Chili Peppers bassist Michael Peter Balzary, known professionally as Flea.
A $25 million Napa Valley glass house with killer views
Surrounded by over 40 acres of lush grounds set amidst California’s world-class wine country, this striking architectural home goes by the name of Karinya.
The highly suitable moniker originates from the Australian aboriginal culture and is simply translated as “peaceful home.”
Image credit: Adam Rouse courtesy of Coldwell Banker
Built in 2017, the stunning estate is nestled in the small community of Deer Park right next to St. Helena in Napa County.
Spanning 8,837 square feet, the impressive residence was built with natural materials, a deep connection to the valley’s views, and a design that boasts both beauty and luxury.
Not a detail is spared at Karinya, with many luxurious features such as endless walls of glass, a 2,000-bottle wine room, and an acoustically-designed media/ theater room.
Image credit: Adam Rouse courtesy of Coldwell BankerImage credit: Adam Rouse courtesy of Coldwell BankerImage credit: Adam Rouse courtesy of Coldwell BankerImage credit: Adam Rouse courtesy of Coldwell Banker
Fitting a modern dream house, it also comes with a detailed smart home system with mobile phone control access that controls the music, air conditioning, security and programmable LED recessed lighting in 11 separate zones and a fire sprinkler system.
See more of this lovely Napa Valley home here.
A modern mansion that was once featured in the Oscar-winning “La La Land” movie
Set in the popular Encino neighborhood of Los Angeles, this modern mansion offers an impressive cutting-edge design.
Photo credit: Compass
The six-bedroom home wows with its soaring ceilings and walls of glass that bring the outdoors in.
Complete with an infinity pool and spa (with a cascading waterfall) and a nifty pool/guest house with a sundeck for outdoor entertainment, the home is peppered with outdoor spots to relax and enjoy the lovely Cali weather.
In case you’re getting a strong sense of deja vu, this beautiful home was featured in the popular film, La La Land.
As the story goes, Mia (played by Emma Stone) and her friends attend a lavish party hoping to meet influential people in the business and finally get their lucky break.
You guessed it, this memorable movie scene was filmed at this gorgeous Los Angeles estate.
A celebrity chef’s former home with a massive kitchen anchored by a 24-foot stone island
Located in the coveted Via Bluffs enclave of Pacific Palisades, this modern mansion spans 6,500 square feet of luxurious living.
Photo credit: credit: Smith Cho / Compass
Offering massive sliding windows that open up to beautiful views of Potrero Canyon and beyond, the sumptuous five-bedroom, five-bathroom home is filled with natural light streaming in from the surrounding floor-to-ceiling windows and sliding glass doors, while the skylights pour even more light onto the main and top floors.
The Pacific Palisades property also flaunts features like a dual-faced fireplace, a nearly 24-foot kitchen island, and a distinct living room that’s pouring out onto the outside deck overlooking the pool.
A large open-layout living area is anchored by an impressive dream kitchen.
Photo credit: credit: Smith Cho / CompassPhoto credit: credit: Smith Cho / CompassPhoto credit: credit: Smith Cho / CompassPhoto credit: credit: Smith Cho / CompassPhoto credit: credit: Smith Cho / Compass
This beautiful home was once owned by celebrity chef, Everyday Italian, and Giada At Home star Giada de Laurentiis.
A beautiful modern mansion tucked in the Hollywood Hills
Built in 2019, this Marc Whipple-designed home is a true Hollywood gem.
Located on the glamorous Sunset Strip, in the Hollywood Hills West neighborhood of Los Angeles, this home oozes that clean-lined modernist approach, while still offering warmth and comfort.
Photo credit: credit: Jonathan Ducrest and Tom Hunter
The posh property incorporates five bedrooms, six bathrooms, as well as two half-bathrooms, all with breathtaking views spreading from the Hollywood sign right to the Pacific Ocean.
The main entrance offers an open-concept kitchen and three terraces that total 5,000 additional square feet of outdoor living space.
And, the middle level features a second living room and a luxurious ‘floating glass box’ master suite.
Photo credit: Tom Hunter Photography.Photo credit: credit: Jonathan Ducrest and Tom HunterPhoto credit: credit: Jonathan Ducrest and Tom HunterPhoto credit: Tom Hunter Photography.Photo credit: credit: Jonathan Ducrest and Tom Hunter
All the bedrooms offer easy access to the infinity pool, which provides stunning views of the surroundings and a perfect setting to enjoy summer nights and sunsets in complete privacy.
A Malibu gem that’s often rented to high-profile celebrities
This Malibu celeb magnet is the epitome of indoor-outdoor Cali living, featuring large glass walls that seamlessly blend the interior with the grounds.
Perched above the Pacific Ocean, the three-bedroom, three-bathroom, 2,100-square-foot Malibu mansion is every bit the modern gem.
Photo credit: Hagai Aharon
It’s the perfect property for entertaining, as it includes an infinity pool with fabulous ocean views, a spa, and a fire pit.
The entertainment continues inside, as the house includes not one, but three indoor fireplaces, as well as a media room, making sure you stay entertained throughout the entire year.
Amenities include everything you could possibly need, from in-unit laundry and air conditioning to five parking spaces, an outdoor patio, and a cabana.
The house not only rents out to celebrities such as Matthew Perry, Cardi B, and Taraji P. Henson, but it’s also owned by one.
Betty Moon, a celebrated Los Angeles musician, songwriter and producer, currently owns the plush property which she recently renovated before listing it for rent.
An impeccably designed modern mansion that embraces indoor-outdoor living
Located in the upscale neighborhood Pacific Palisades in Los Angeles, this three-story home was designed and built by renowned developer/designer duo David and Eliana Rokach.
Photo credit: The Agency
This multi-million dollar mansion offers a sprawling 13,543 square feet of modern living space and packs nine bedrooms and twelve bathrooms.
Boasting unobstructed views of the Pacific Ocean and the Santa Monica Canyon, the stunning estate offers an open-concept living/dining room finished in a chic, contemporary style.
The living room features custom-made electronic sliding steel doors that open to a beautiful outdoor area, which features a barbecue area, a grassy backyard, and an infinity-edge swimming pool opening up to views for miles.
Photo credit: The AgencyPhoto credit: The AgencyPhoto credit: The Agency
A modern hillside lair with canyon views
Situated in Los Angeles’ coveted Brentwood neighborhood, this hillside lair with expansive living spaces, eco-friendly details, and ultra-high-end finishes gives us serious dream house goals.
Photo credit: Noel Kleinman courtesy of Compass
The main entrance features a Japanese-imported Yakisugi front door and bonsai adorned atrium that leads to the open-concept living space.
Here, a chic palette of luxurious stone and reflective glass is accented by unique designer details, and floor-to-ceiling windows provide natural light throughout the day.
Photo credit: Noel Kleinman courtesy of CompassPhoto credit: Noel Kleinman courtesy of CompassPhoto credit: Noel Kleinman courtesy of Compass
Offering sweeping views of the canyon, the four-bedroom home comes equipped with the latest technology for entertainment, comfort, and sustainability.
This includes a full automation system, Lutron Solar System lighting, home theater and surround sound from Bang & Olufsen, a home gym, and much more.
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If you’re not familiar with John Lautner’s iconic Beverly Crest mansion, or with the estate’s flamboyant owner, then you’re definitely missing out. This 1963-built mansion is an architectural gem and one of Hollywood’s best-kept secrets.
The Sheats Goldstein residence: John Lautner’s organic architecture dream
The 4,500-square-foot Sheats-Goldstein residence was designed by John Lautner (one of the most noteworthy American architects of the twentieth century) and built between 1961 and 1963, in Los Angeles’ Beverly Crest neighborhood.
The concrete-and-wood house was built into the sandstone ledge of a hill, and it’s a testament to the connection between man and nature.
Each space is open and offers stunning views of downtown Los Angeles and the Pacific Ocean, with glass walls throughout that serve to blend the indoors with the outdoors.
View from the bedroom of the Sheats-Goldstein residence in Los Angeles, California. Photo credit: Grueslayer, CC BY-SA 4.0, via Wikimedia Commons
John Lautner designed the American Organic Architecture house for Helen and Paul Sheats and their three children. After going through a couple of different owners, it was acquired by James F. Goldstein, a businessman, real estate investor, and fashion designer, in 1972.
At the time, the house had fallen into disrepair and was in dire need of a makeover, so Goldstein reached out to Lautner to help bring the residence back to its former glory.
SEE ALSO: 18 modern mansions that redefine house goals
What emerged was a two-decades-long partnership to remodel the house, which ended when John Lautner passed away in 1994. However, Goldstein never stopped tweaking and upgrading his Beverly Crest dwelling, even adding a nightclub to the list of amenities.
The James Goldstein house turned museum in 2016
The Sheats-Goldstein Residence, as the property is now known, still maintains all the original designs and touches that John Lautner carefully created.
Living room of the Sheats-Goldstein residence, Los Angeles, California. Architect John Lautner reportedly added the glass walls to the living room at owner Jimmy Goldstein’s request. Photo credit: Grueslayer, CC BY-SA 4.0, via Wikimedia Commons
His work is not limited to just the architecture of the house; Lautner also designed the interiors, the windows, lighting systems, all the furniture, the rugs, and other details.
James Goldstein worked with the designer for years to ensure every little detail was in tune with the overall theme of ‘organic’ architecture.
The result is a house so unique, so carefully crafted and fresh, that Goldstein wants everyone to be able to tour it and be inspired by it.
That’s why, in 2016, he decided that he would donate the house, with everything in it, to the Los Angeles County Museum of Art.
Kitchen of the Sheats-Goldstein residence, featured in Charlie’s Angels: Full Throttle. Photo credit: Grueslayer, CC BY-SA 4.0, via Wikimedia Commons
James Goldstein entrusted the home, its surrounding estate, as well as a 1961 Rolls-Royce Silver Cloud and his eclectic wardrobe to the museum. This way, his and Lautner’s legacy will continue to inspire and attract curious minds and aspiring architects and designers. And let’s not forget about the celebrities.
Why Jimmy Goldstein’s house is Hollywood’s best-kept secret
The James Goldstein house, besides serving as home to the elusive businessman, has also been used by various showbiz producers and directors.
If you thought the house seemed familiar, you might have seen it in The Big Lebowski, as the home of porn merchant Jackie Treehorn, or in Charlie’s Angels: Full Throttle, where it played the part of Alex’s house (Lucy Liu).
The house has also served as a setting for fashion ads and commercials, glamorous events, and, well, porn flicks. James Goldstein has always kept an open mind, apparently.
Then there’s the nightclub. Dubbed Club James, for obvious reasons, the venue was Goldstein’s idea, to keep Hollywood parties out of his house, but still close by.
Club James inside the Sheats-Goldstein Residence in Los Angeles. Photo credit: Grueslayer, CC BY-SA 4.0, via Wikimedia Commons
Exclusive parties and events are held at Club James round the clock; Rihanna celebrated her 27th birthday party here, with Jay Z, Mick Jagger, and Leo DiCaprio in attendance. Needless to say, Goldstein wants the good times to keep rolling at Club James even after he’s gone.
Movies filmed at the Sheats-Goldstein residence
James Goldstein’s unique house is one of the most popular filming locations in Los Angeles, for obvious reasons. There’s just no other place quite like it, and its intricate design and stunning architecture draw celebrities like a magnet.
Various Hollywood movies and TV shows were filmed at the Sheats-Goldstein residence, including the now-iconic The Big Lebowski.
It’s by far the most recognizable house featured in the movie, set up as the home of adult film producer Jackie Treehorn, which earned Jimmy Goldstein’s house the moniker of ‘the Big Lebowski house’.
Scene from The Big Lebowski showing Jeff ‘The Dude’ Lebowski inside Jackie Treehorn’s house (The Sheats-Goldstein Residence).
The other striking property in the movie is Lebowski’s opulent mansion, which is actually another popular filming location, namely the Greystone Mansion in Beverly Hills. This is where movies like The Social Network, Eraserhead, The Witches of Eastwick, The Prestige, and X-Men were filmed.
But while the Sheats-Goldstein residence is known by many as Jackie Treehorn’s house or the Big Lebowski house, it’s been featured in quite a long list of other movies, including Charlie’s Angels: Full Throttle (2003), Star Time (1992), and Bandits (2001, starring Bruce Willis, Billy Bob Thornton, and Cate Blanchett).
It was also featured in music videos, including Doja Cat’s Say So, Nelly’s The Fix, Babyface’s We’ve Got Love, and Snoop Dogg & Pharell’s Let’s Get Blown.
SEE ALSO: Casa Loma in Toronto, another Hollywood favorite
The house is so impressive that in 2021, Kanye West aka Ye enlisted James Goldstein to help him design and spruce up his newly-purchased Malibu mansion.
The rapper was reportedly impressed and fascinated with the architecture of the Sheats-Goldstein house, and wanted to do something similar with his $57 million new home.
Unfortunately, those plans were put on hold, according to The Sun, after the star lost billions due to some very controversial remarks.
In the meantime, the residence is available for rent for photoshoots, and we’re willing to bet we’ll be seeing more of it in upcoming movies, TV shows, and music videos.
Decoding the mystery: Who is James Goldstein?
If you’re wondering, who the hell is this James Goldstein and why haven’t I heard of him before, unfortunately we don’t know a whole lot about him either.
Despite his flamboyant style and constant public appearances (he’s an avid NBA fan and attends as many matches as he possibly can), James Goldstein still remains somewhat of a mystery.
James ‘Jimmy’ Goldstein attends the Playboy App Kick Off Launch Celebrating Eugenia Kuzmina at The Godfrey Hotel Hollywood, in Los Angeles, on August 18, 2022. Photo credit: Eugene Powers / Shutterstock.com
We know he grew up in Milwaukee and then moved to California to attend Stanford University, after which he got into real estate and started investing heavily in developing Century City in L.A. He’s always been into fashion, constantly in the front row at glamorous fashion shows, and he even has his own fashion line.
Back in the day, he’s also said to have had an affair with American actress, singer, and Playboy Playmate Jayne Mansfield, who was married to someone else at the time. Still, he never married, and he has no children, which is why the decision to donate his unique home to LACMA came naturally.
This is the first-ever architecture donation made to the Los Angeles County Museum of Art, and it’s surely one that will continue to inspire young architects, interior designers, and art and fashion aficionados for many years to come.
For now, James Goldstein is living his best, most glamorous life up in his hillside mansion overlooking the City of Angels.
What’s more, James Goldstein’s net worth is reportedly around $350 million – not a bad way to live life in your 80s, is it?
If you want to see more, take a virtual tour of the residence with Goldstein himself below:
[embedded content]
All image credit goes to James Goldstein.com
Frequently asked questions
Who lives in the Sheats Goldstein residence?
Businessman James Goldstein has been the sole owner of the Sheats-Goldstein house since he purchased it in 1972. He continues to spend time at the residence, but also often rents it out for photoshoots or as filming location for Hollywood movies or TV shows.
Where is the Goldstein residence?
The Sheats-Goldstein house is located in the Beverly Crest neighborhood of Los Angeles, California, just up the hill from the Beverly Hills city limit. Due to its location, the house offers amazing views of the city, but is also very secluded.
How much is the Goldstein house?
The James Goldstein house was in a state of disrepair when the businessman purchased it in 1972 for $185,001. Nowadays, the property is reportedly worth roughly $75 million or more.
Can you visit the Sheats-Goldstein residence?
Unfortunately, the Sheats-Goldstein house is a private property, so it’s not open to the public. But, you can rent it out for photoshoots.
Where is the Jackie Treehorn house?
The Jackie Treehorn house from The Big Lebowski is, in fact, the Sheats-Goldstein residence, owned by elusive businessman James Goldstein. It’s located in L.A.’s Beverly Crest neighborhood and it’s a private property.
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By Evlin DuBose · Wednesday, 24 May 2023
· 8 min read
Fact Checked
Advertiser disclosure
Look, we’ve all had a moment wondering something bonkers, bizarre, random – you name it. And nothing can be more confusing than the wide world of property and home loans.
So let’s look at some of the silliest and awkwardly-phrased mortgage questions asked on Google, seriously answered by an expert writer.
How home loan works
Want buy house. Not enough money. What do? Ask bank nicely. Bank let you borrow money. If it think you good for it. Then you buy house. Or unit. Pay bank back. It take long time. You give bank extra money, too. This called interest. That how home loan works.
Other stuff too. Less important.
Is home loan same as mortgage
Sort of? Mostly? Yes. Ish. A home loan is the financial product banks and lenders offer. Your mortgage is a home loan that you are currently paying off.
However, finance writers will often use terms like “home loan borrowers” and “mortgage borrowers” interchangeably, since when you’re making repayments, a home loan and mortgage are functionally similar.
So yes, a home loan is basically the same as a mortgage. (Unless you’re pedantic and write about them for a living).
Is home loan interest tax deductible in Australia
Yes! If you’re a property investor in Australia, you can claim the interest from your home loan on your taxes. In fact, landlords get a whole bunch of tax perks. Lucky them!
(Just make sure you talk to a tax expert before filing).
How is home loan interest calculated
Good question! Home loan interest is calculated and compounded daily. Your monthly mortgage repayment therefore incorporates interest from the last 30 – 31 days.
This is actually why making more frequent home loan repayments can sometimes save you interest in the long run. By shortening the number of days included in your repayment (fourteen instead of thirty) while keeping your principal in consistent chunks, you can pay off your mortgage faster with less interest over time.
However, this hack will depend on how your lender calculates a fortnightly vs. monthly payment size. If your fortnightly repayments pay less than half of the principal amount you would in a monthly repayment, it actually slows down how fast you pay off your mortgage. (Math involved, but that’s how the sausage sizzles).
Does home loan include GST
GST, or the “Goods and Services Tax”, is a government charge applied to most transactions in Australia. From lattes to Uber, most things you buy will have GST built into the final price. Financial services and bank products, however, do not include GST – therefore, neither will your home loan.
But: this doesn’t mean buying a home is tax-free. When you first purchase a property, you may have to pay stamp duty or an annual land tax. Later when you sell your home, you may also have to pay capital gains tax.
Always seek help from a tax professional and financial advisor.
Home loan spouse has bad credit
Ruh-roh. Spouse buy too many things on Amazon. Maybe get screwed with BNPL. Whoops. Work on credit score together. (But don’t control their money – that financial abuse).
Also. Could apply for home loan as just you? Think about joint tenancy vs. tenancy in common. Talk to financial planner.
Remember: team work make dream work.
Do home loans look at TransUnion or Equifax
TransUnion and Equifax are credit score reporting bodies, along with Experian and Illion. Whenever you apply for a home loan, lenders will run a credit check to assess your risk as a borrower. If your credit score isn’t good, they may reject your application.
Equifax, Experian, and Illion are the main credit bureaus in Australia, so your lender may check with one, two, or all of them when assessing your borrowing power.
Before applying for a home loan, send for a free credit report from one or more of these agencies so that you can see your score for yourself. Not happy with your results? Give your application a boost by improving your credit score.
Can mortgage be paid with credit card
NO! Technically, yes – but don’t do this! BAD IDEA. A credit card may buy things in the short term (and have more money on it than your debit card), but you’ll still have to pay it back with interest – and the interest rates on credit cards are much, much steeper than those on home loans.
By using a credit card to make mortgage repayments, you’re doubling down on the interest you’re paying overall. This could also potentially hurt your credit score and ability to refinance, because if you miss either a mortgage payment or a credit card payment, it goes down on your credit report.
If you’re really struggling with your mortgage repayments, talk to your lender. You may be able to negotiate a lower interest rate and work out a repayment plan that works best for your situation.
Recent law changes also mean that it’s far, far better for your credit score to declare financial hardship than skip payments altogether. You actually get rewarded for asking for help. Huzzah!
Just whatever you do: don’t put your home loan on credit.
Can I pay an auction deposit with a credit card
NOOOO! If you’re paying a housing deposit at auction, do not put it on your credit card. Not only will vendors not accept this as a valid form of payment, but putting a deposit on your credit card defeats the whole purpose of a deposit.
A deposit is a down payment: your home loan will cover the remaining cost of the property. Your deposit is therefore the only part of your home loan you don’t pay interest on (besides money in your offset account). By using your credit card, you create interest on the only interest-free part of your loan – and at a much steeper rate than mortgage interest.
Bad idea. BAD. No. Don’t put your home loan on credit.
Is mortgage a liability or an asset
A financial liability is something that drains your finances, such as debt, while an asset is something that improves or holds your wealth. A mortgage is therefore a liability, because it is a kind of debt.
However, the property you own, i.e. your equity, is an asset, since it can provide a source of wealth and security. Your equity can be unlocked to do many things for you, like refinance your mortgage or finance another property.
Does mortgage cover stamp duty
Stamp duty is a government charge for transferring property from one owner to another. For those who have to pay it, stamp duty can cost tens of thousands of dollars.
Your mortgage, however, won’t cover stamp duty, so when budgeting to buy a home, you’ll need to factor it in as an extra cost, on top of any conveyancing, agent, settlement, and valuation fees.
Does mortgage mean death grip
Fun fact: sort of! The word “mortgage” comes from the Old French mort + gage, meaning “death” and “pledge”. In mediaeval times, land that was mortgaged was fully pledged to the lender until the borrower fully paid it off or was dead.
So, same as today – basically.
Whose property am I on
Depends, but the safest answer is, “Whoever owns it.” Not sure who owns it? Follow this handy flowchart.
Have interest rates gone up
Yes – due to high inflation, the Reserve Bank of Australia has tightened its monetary policy and made 3.75% worth of increases to the official cash rate since May 2022, which in turn drives up the interest rates on home loans, term deposits, and savings accounts.
Do interest rates rise in a recession
No, interest rates do not rise during a recession. In fact, the opposite is true. Whenever the economy enters a recession, the central bank will cut interest rates to encourage people to spend money.
As a result, home loan interest rates will fall, making financing a property cheaper, while savings accounts and term deposits won’t be as attractive, so people will be less inclined to park their money.
Interest rates rise whenever there is high inflation, and high inflation is not the same thing as a recession. High inflation (usually) means demand is out of control and consumers are driving up prices, thus raising the cost of living.
To discourage spending, the central bank will raise interest rates, therefore making savings accounts a better place to stash cash while mortgage repayments become more expensive.
Who owns the Reserve Bank of Australia
Australia.
Can you bank with the Reserve Bank of Australia
No. The Reserve Bank of Australia, also known as the RBA, is a central bank in charge of monitoring the Australian economy and setting Australia’s monetary policy. Unless you are the Australian government, the RBA cannot manage your finances.
If you are in the market for a new bank, however, you can compare bank accounts using our hub page.
Will housing prices drop
While the housing market may experience temporary dips and falls, studies show that long-term, property prices will always rise. This is primarily due to inflation, but increased competition doesn’t help, either.
Hurray…
How buy first home
Try government help. Move away from big city. Maybe buy unit instead? Cry. But no give up.
In all seriousness, first home buying can be a daunting task, but there are still plenty of ways to break into the housing market – even with the odds stacked against you.
You’ll need to navigate the hurdle of rising interest rates, outrageous prices, and the cost of living, but with careful planning and research, these can all be managed.
For more information on how to get started, head over to our first home buyer hub.
LVR what? LMI who? Learn home loan terms with our handy glossary.
Compare low-interest rate offers in the table below.
Compare low interest rate home loans – last updated 27 May 2023
Search promoted home loans below or do a full Mozo database search . Advertiser disclosure
Featured Product
Unloan Variable
Owner Occupier, Refinance Only, LVR <80%
interest rate
comparison rate
Initial monthly repayment
4.99% p.a.variable
4.90% p.a.
For refinancers only. Built by CommBank, the Unloan is the first home loan with an increasing discount (conditions apply) for borrowers. No application or banking fees. No monthly account keeping or early exit fees. Apply in as little as 10 minutes.
Compare
Compare
Details Close
Unloan Variable
For refinancers only. Built by CommBank, the Unloan is the first home loan with an increasing discount (conditions apply) for borrowers. No application or banking fees. No monthly account keeping or early exit fees. Apply in as little as 10 minutes.
interest rate
4.99% p.a.variable
comparison rate
4.90% p.a.
interest rate
4.99% p.a.variable
comparison rate
4.90% p.a.
Upfront fees
$0
Ongoing fees
$0.00
Discharge Fee
$0.00
Extra repayments
yes – free
Redraw facility
yes – free
Offset account
no
Maximum loan to value ratio
80.00%
minimum borrowing amount
$10,000
maximum borrowing amount
$3,000,000
type of mortgage
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Special Offers
–
Express Home Loan
Owner Occupier, Principal & Interest
interest rate
comparison rate
Initial monthly repayment
5.47% p.a.variable
5.62% p.a.
Get fast approval online in as little as one hour with the Bendigo Bank Express Home Loan. Available for new home loans only. Optional offset account to save even more. Flexible repayment options. 10% deposit required.
Compare
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Express Home Loan
Get fast approval online in as little as one hour with the Bendigo Bank Express Home Loan. Available for new home loans only. Optional offset account to save even more. Flexible repayment options. 10% deposit required.
interest rate
5.47% p.a.variable
comparison rate
5.62% p.a.
interest rate
5.47% p.a.variable
comparison rate
5.62% p.a.
Upfront fees
$384
Ongoing fees
$10.00 monthly
Discharge Fee
$350.00
Extra repayments
yes – free
Redraw facility
yes – free
Offset account
yes
Maximum loan to value ratio
90.00%
minimum borrowing amount
$5,000
maximum borrowing amount
$3,000,000
type of mortgage
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Special Offers
–
Own Home Loan
Owner Occupier, Principal & Interest, LVR <60%
interest rate
comparison rate
Initial monthly repayment
5.54% p.a.variable
5.79% p.a.
Competitive variable rate. Multiple offset accounts available. Borrowers can also make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.
Compare
Compare
Details Close
Own Home Loan
Competitive variable rate. Multiple offset accounts available. Borrowers can also make extra repayments. Redraw facility available. Simple online application process. 40% deposit required.
interest rate
5.54% p.a.variable
comparison rate
5.79% p.a.
interest rate
5.54% p.a.variable
comparison rate
5.79% p.a.
Upfront fees
$250
Ongoing fees
$250.00 yearly
Discharge Fee
$300.00
Extra repayments
yes – free
Redraw facility
yes – free
Offset account
yes
Maximum loan to value ratio
60.00%
minimum borrowing amount
–
maximum borrowing amount
–
type of mortgage
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Special Offers
–
Offset Home Loan
Package, Owner Occupier, LVR<60%, Principal & Interest
interest rate
comparison rate
Initial monthly repayment
5.54% p.a.variable
5.79% p.a.
Ability to open up to 10 offset accounts per loan account. Fast online application. Linked Debit Mastercard® with fee-free access at ATMs across Australia. Package a credit card with your home loan and the annual card fee will be waived (T&Cs apply). 40% deposit required.
Compare
Compare
Details Close
Offset Home Loan
Ability to open up to 10 offset accounts per loan account. Fast online application. Linked Debit Mastercard® with fee-free access at ATMs across Australia. Package a credit card with your home loan and the annual card fee will be waived (T&Cs apply). 40% deposit required.
interest rate
5.54% p.a.variable
comparison rate
5.79% p.a.
interest rate
5.54% p.a.variable
comparison rate
5.79% p.a.
Upfront fees
$350
Ongoing fees
$248.00 yearly
Discharge Fee
$400.00
Extra repayments
yes – free
Redraw facility
yes – free
Offset account
yes
Maximum loan to value ratio
60.00%
minimum borrowing amount
$150,000
maximum borrowing amount
$10,000,000
type of mortgage
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Monthly
Special Offers
–
Solar Home Loan
Owner Occupier, Principal & Interest, LVR <90%
interest rate
comparison rate
Initial monthly repayment
5.39% p.a.variable for 60 months and then 6.23% p.a.variable
5.98% p.a.
Enjoy a lower interest rate for the first 5 years if you have solar panels or plan to get them. Get up to a 30 year loan term. Unlimited additional repayments. Option offset sub-account. No ongoing fees to pay. Free unlimited redraws.
Compare
Compare
Details Close
Solar Home Loan
Enjoy a lower interest rate for the first 5 years if you have solar panels or plan to get them. Get up to a 30 year loan term. Unlimited additional repayments. Option offset sub-account. No ongoing fees to pay. Free unlimited redraws.
interest rate
5.39% p.a.variable for 60 months and then 6.23% p.a.variable
comparison rate
5.98% p.a.
interest rate
5.39% p.a.variable for 60 months and then 6.23% p.a.variable
comparison rate
5.98% p.a.
Upfront fees
$530
Ongoing fees
$0.00
Discharge Fee
$300.00
Extra repayments
yes – free
Redraw facility
yes – free
Offset account
yes
Maximum loan to value ratio
90.00%
minimum borrowing amount
$50,000
maximum borrowing amount
$1,500,000
type of mortgage
Variable
Repayment types
Principal & Interest
Availability
Owner Occupier
Repayment options
Weekly, Fortnightly, Monthly
Special Offers
–
*
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
**
Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.
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Mozo provides general product information. We don’t consider your personal objectives, financial situation or needs and we aren’t recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don’t cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.