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How Excitement!


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After many lengthy (and occasionaly heated) discussions with hubby we have finally decided the time is right for us to start looking at houses. Next week I have to talk to the banks and determine whether we can get a loan sorted, the deposit is no issue and the amount we are looking to borrow should be fine but hubby has a VERY OLD issue on his credit rating which is due to drop off in Feb. We are hoping that given we have no plans to 'settle' on the house until atleast March anyway this will be a non-issue(also because we have to go through one of the banks associated with hubbies work, so they are little more cruisy than other banks).

 

We are looking to buy in a toen called Briagolong which is just near Sale in Gippsland, this is the beauty that is top of our list at the moment :( My mum and I are going to look at this one plus a few other sometime in the next couple of weeks. This one is on 12 acres with plenty of great spots for aviaries and even a heap of existing sheds which could potentially be converted :hug:

 

 

104575150mm1224820975.jpg

Edited by KAZ
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Ooh good luck, how exciting!

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Oh house hunting exciting and stressful at the same time, good luck :hug:, I am sure the perfect house will jump out at you.

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Without having seen it in the flesh yet (as it is nearly a 2hr drive from here) the one above we LOVE, we have seen internal photos of it, close ups, etc and providing it ticks the other boxes like building inspection, etc I think it may be one we consider making an offer on :D Going to see it next week hopefully so fingers crossed it's not falling down :hug: It has only recently been renovated and the verandahs added so should be structurally pretty good I think :(

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I hope things go well with the bank and that house looks great, plently of space so hope it turns out to be in good condition for you.

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Hey Mb Congratulations its an exciting time i am also looking its fun but soooooo stressfull. With the defaults they say if it is atleast 4-5 years old it should be fine and also if it was not ongoing and paid quickly it also should be fine. We had two due to stupid mobile phones that were 4 years old and they are fine with those we are stuck with them excepting my hubbies secong job as an income! They might ask you to right a letter explaining how the default came about but it should be smooth sailing from there on in. Goodluck

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Incredibly the commonwealth wouldn't give us one when we spoke to them not long ago due to the old default. It wasn't paid until recently as we have moved around a lot due to hubbies work (defence force) and despite still having an account with the same company for some reason they didn't tell us there was an old bill still to be paid :rofl: It wasn't until we got a credit report when we were thinking about getting a house that we discovered it, and then we paid it straight away.

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Great move, buying a house....wishing you all the best in your search and acchieving your goals :rofl:

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How exciting!!! Good Luck :rofl:

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Incredibly the commonwealth wouldn't give us one when we spoke to them not long ago due to the old default. It wasn't paid until recently as we have moved around a lot due to hubbies work (defence force) and despite still having an account with the same company for some reason they didn't tell us there was an old bill still to be paid :) It wasn't until we got a credit report when we were thinking about getting a house that we discovered it, and then we paid it straight away.

 

 

Thats exactly what happened to us! But when the bank looks at your credit report it shows them that you had the default in 00/00/00 and that it was on there for a long time and not paid which sucks because we did the same as you and paid it as soon as we found out but it still looks bad on file. grrrrrrrr I am not liking banks at the moment!

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It expires in Feb, so if worst comes to worst we just apply again then and hope the house we want is still there or another one comes up :)

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Exciting and Stressful times ahead... good luck mate!

 

P.S.... do we all get invited to the house warming??? :):):D:D :party0011:

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Of course Maesie, as long as you're happy to camp :) The house we want is on 12 acres, so plenty of space for camping, plus we would be thinking of insulating one of the existing sheds and turningit into a little bungalow :)

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Did you see the house?

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I have to speak to the bank first about pre-approval, hoping to go on Thursday ;)

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Did you go and look at the house?

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Isn't this a picture worth framing :)

104575150mm1224820975.jpg

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It is a gorgeous photo Kaz. We did look at the house and we still like it, needs a bit of work but nothing too scary and is certainly lieable for the time being BUT the bank didn't approve us :) We have been told to apply in Feb or March once my hubbies credit rating clears and we have a little more money saved, if we are lucky the house we like will still be there or another lovely one will be on the market.

Edited by melbournebudgies
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Very disappointing :D But something to plan towards. :)

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Luckily for us houses in that area don't move all that quickly so you never know :)

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What a bummer!

Fingers crossed that house is still on the market for you :)

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