Mrs Jeturbo Bob the Freaking Builder Donating Members 10,810 Member For: 15y 2m 4d Gender: Female Location: SA Posted 12/05/15 11:15 AM Share Posted 12/05/15 11:15 AM Pisses me off that I love this song and the film clipIt goes against everything I like and stand for about music But my god it's catchy and Tom hanks is a legend http://youtu.be/qV5lzRHrGeg Link to comment Share on other sites More sharing options...
Pixy Angel Expert Donating Members 9,132 Member For: 19y 8m 21d Gender: Male Location: North Jamberoo, NSW Posted 13/05/15 04:55 AM Share Posted 13/05/15 04:55 AM this morning cleaned the house washed the clothes and the beds, the day looked beautiful. light wing wind and full sun. took the kids to school dropped in saw my mum went home hund the washing out get dinner out.now lay down watch tv have a nap from as I did night shift. Wake up and its f*%king raining, you krunt.! Link to comment Share on other sites More sharing options...
.Stripes. All stock bar the k&n panel filter Silver Donating Members 8,061 Member For: 12y 8m 4d Gender: Male Location: Perth Posted 13/05/15 08:44 AM Share Posted 13/05/15 08:44 AM (edited) Turns out HomeStart (who I'm looking to build a house with) are a bit more regimented than I'd imagined, when it comes to making changes to the house plans. I had my first meeting with them to go over my situation and what I was after...then our second meeting was him giving me ideas, then me taking a bunch of designs away to consider. I chose a design and then all within a few days I was in their office signing off what I thought was the prelim design...when it turns out that was what they wanted as the final design...so it's been a bit of a sh*t-fight to get a few things changed as I've noticed them while going over the plans, thinking about them a bit more and talking with different people who've built. Turns out the people they usually deal with walk out of the second meeting pretty much having chosen a design they like and just rolling with it, or changing very little...sometimes I wish I was a bit more like that, but I'm a fussy carnt and this is the largest amount of money I've ever spent on anything! So I'm trying to make sure I do it right! Think I've well and truly pissed off the sales consultant by now though...Also, pisses me off when carnts say they'll call back and don't. Spoke, briefly, to the broker I'm dealing with about the finance and said he'd call me back in half an hour to go over a few things...that was nearly 2 and a half hrs ago...Edit: Figures he'd call straight after I typed that... Edited 13/05/15 08:59 AM by .Stripes. Link to comment Share on other sites More sharing options...
Pixy Angel Expert Donating Members 9,132 Member For: 19y 8m 21d Gender: Male Location: North Jamberoo, NSW Posted 13/05/15 09:54 AM Share Posted 13/05/15 09:54 AM Just make sure that you are 100% happy with all the inclusion and tender before you sign. It makes things easier in the long run and its down on paper.Good times ahead mate. Link to comment Share on other sites More sharing options...
Never had any say Panda I <3 Floods Silver Donating Members 11,198 Member For: 13y 3m 16d Gender: Male Location: South West QLD Posted 13/05/15 09:42 PM Share Posted 13/05/15 09:42 PM Leaving NBN FTH and finding out the new area I have just bought a house in doesn't even have ADSL2....DEAR SWEET GOD HAVE MERCY!No Netflix for me. 4 Link to comment Share on other sites More sharing options...
Mrs Jeturbo Bob the Freaking Builder Donating Members 10,810 Member For: 15y 2m 4d Gender: Female Location: SA Posted 13/05/15 09:54 PM Share Posted 13/05/15 09:54 PM (edited) Turns out HomeStart (who I'm looking to build a house with) are a bit more regimented than I'd imagined, when it comes to making changes to the house plans. I had my first meeting with them to go over my situation and what I was after...then our second meeting was him giving me ideas, then me taking a bunch of designs away to consider. I chose a design and then all within a few days I was in their office signing off what I thought was the prelim design...when it turns out that was what they wanted as the final design...so it's been a bit of a sh*t-fight to get a few things changed as I've noticed them while going over the plans, thinking about them a bit more and talking with different people who've built. Turns out the people they usually deal with walk out of the second meeting pretty much having chosen a design they like and just rolling with it, or changing very little...sometimes I wish I was a bit more like that, but I'm a fussy carnt and this is the largest amount of money I've ever spent on anything! So I'm trying to make sure I do it right! Think I've well and truly pissed off the sales consultant by now though...Also, pisses me off when carnts say they'll call back and don't. Spoke, briefly, to the broker I'm dealing with about the finance and said he'd call me back in half an hour to go over a few things...that was nearly 2 and a half hrs ago...Edit: Figures he'd call straight after I typed that...Don't really know what u expected Home start and a lot of mainstream builders that focus on first home buyers are not really adaptable The only time u get to adjust things is when u go through a bigger builder or a custom one and u pay for it Well at least that's what it's like here in saMy mate is going through home start atm All I can say is be careful Read everything twice Know what your signing And know what they're asking I looked very heavily into the scheme your talking about with the low Intrest loan to help with the deposit A lot of the time it's actually a low Intrest credit card Which turns into a high Intrest one in very little time Then u have 15k of credit card debt Every situation is different and they can be good But just read everything thoroughly Edited 13/05/15 09:56 PM by Princess Whinginator Link to comment Share on other sites More sharing options...
.Stripes. All stock bar the k&n panel filter Silver Donating Members 8,061 Member For: 12y 8m 4d Gender: Male Location: Perth Posted 13/05/15 09:55 PM Share Posted 13/05/15 09:55 PM Yeah well...I haven't built before...so all of this is new to me... Link to comment Share on other sites More sharing options...
Mrs Jeturbo Bob the Freaking Builder Donating Members 10,810 Member For: 15y 2m 4d Gender: Female Location: SA Posted 13/05/15 10:00 PM Share Posted 13/05/15 10:00 PM (edited) Everyone does things the first time once If u haven't been fully tied in yet then my advice is look around Sometimes the biggest mistake people make is looking for a house or builder then getting tangled into a loan or situation because they get talked into it Look at all your builder avenues And most importantly look at finance first Look at a broker or your bank (not sure if yours if through homestart, but I'm meaning an independent broker) A broker can get u a loan through home start if need be (or any bank) but can negotiate better terms for u They have leverage You as the consumer don't Edited 13/05/15 10:12 PM by Princess Whinginator Link to comment Share on other sites More sharing options...
Mrs Jeturbo Bob the Freaking Builder Donating Members 10,810 Member For: 15y 2m 4d Gender: Female Location: SA Posted 13/05/15 10:04 PM Share Posted 13/05/15 10:04 PM (edited) Oh and every rejection of a finance company goes into your credit history and home loans look bad when rejected Home start finance and banks generally don't give a flying hoot whether they put through an application that's not gonna be very favourable as long as there's a chance for them to get a sale Brokers work on kick backs once loans are approved and therefore generally only process a loan or an application of it's looking extremely favourable and therefore look out for your best Intrest My assistant manager at work is 27 and he's on 60k a year been on it for the last five years and he's only building a crap house in the crappeat suburb here and he's going through homestart coz some guy at the pub told him to He's got a $15k deposit and no loans currently It's been 8months They still don't have formal approval yet(Also sorry stripes Reading back my first reply sounded a bit harsh, wasn't intended that way I can assure you) Edited 13/05/15 10:05 PM by Princess Whinginator 1 Link to comment Share on other sites More sharing options...
Never had any say Panda I <3 Floods Silver Donating Members 11,198 Member For: 13y 3m 16d Gender: Male Location: South West QLD Posted 13/05/15 10:12 PM Share Posted 13/05/15 10:12 PM ^^ She's bang on the money.. But mate.. If you've come so far with Homestart I strongly advise that you pay as much off as quickly as possible to get around 20% of the loan gone.. Then consider refinancing with a big bank or something? Not sure how your loan works but I remember you saying something about westpac.Westpac have the Rocket Repay homeloan package at the moment which I think is brilliant. And compared to other 'packages' available this one seems to be fairly favourable. Link to comment Share on other sites More sharing options...
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