melbournebudgies 0 Posted November 1, 2008 Member ID: 4,233 Group: Site Members Followers: 0 Topic Count: 329 Topics Per Day: 0.05 Content Count: 4,498 Content Per Day: 0.75 Reputation: 0 Achievement Points: 28,540 Solved Content: 0 Days Won: 0 Joined: 06/04/08 Status: Offline Last Seen: July 2, 2010 Birthday: 17/12/1982 Share Posted November 1, 2008 (edited) 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: Edited November 1, 2008 by KAZ Link to comment
krosp 0 Posted November 1, 2008 Member ID: 4,621 Group: Site Members Followers: 0 Topic Count: 95 Topics Per Day: 0.00 Content Count: 777 Content Per Day: 0.04 Reputation: 0 Achievement Points: 4,955 Solved Content: 0 Days Won: 0 Joined: 28/08/08 Status: Offline Last Seen: March 10, 2012 Share Posted November 1, 2008 Ooh good luck, how exciting! Link to comment
Elly 0 Posted November 1, 2008 Member ID: 1,641 Group: Site Members Followers: 0 Topic Count: 414 Topics Per Day: 0.06 Content Count: 15,350 Content Per Day: 2.16 Reputation: 0 Achievement Points: 99,335 Solved Content: 0 Days Won: 0 Joined: 05/10/05 Status: Offline Last Seen: January 1, 2012 Share Posted November 1, 2008 Oh house hunting exciting and stressful at the same time, good luck :hug:, I am sure the perfect house will jump out at you. Link to comment
melbournebudgies 0 Posted November 1, 2008 Member ID: 4,233 Group: Site Members Followers: 0 Topic Count: 329 Topics Per Day: 0.05 Content Count: 4,498 Content Per Day: 0.75 Reputation: 0 Achievement Points: 28,540 Solved Content: 0 Days Won: 0 Joined: 06/04/08 Status: Offline Last Seen: July 2, 2010 Birthday: 17/12/1982 Author Share Posted November 1, 2008 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 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 Link to comment
deb 0 Posted November 1, 2008 Member ID: 3,867 Group: Site Members Followers: 0 Topic Count: 198 Topics Per Day: 0.03 Content Count: 1,737 Content Per Day: 0.27 Reputation: 0 Achievement Points: 11,910 Solved Content: 0 Days Won: 0 Joined: 01/12/07 Status: Offline Last Seen: March 23, 2011 Birthday: 25/09/1970 Share Posted November 1, 2008 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. Link to comment
missylu 0 Posted November 1, 2008 Member ID: 4,117 Group: Site Members Followers: 0 Topic Count: 69 Topics Per Day: 0.01 Content Count: 357 Content Per Day: 0.06 Reputation: 0 Achievement Points: 2,765 Solved Content: 0 Days Won: 0 Joined: 02/03/08 Status: Offline Last Seen: November 3, 2009 Birthday: 09/07/1984 Share Posted November 1, 2008 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 Link to comment
melbournebudgies 0 Posted November 1, 2008 Member ID: 4,233 Group: Site Members Followers: 0 Topic Count: 329 Topics Per Day: 0.05 Content Count: 4,498 Content Per Day: 0.75 Reputation: 0 Achievement Points: 28,540 Solved Content: 0 Days Won: 0 Joined: 06/04/08 Status: Offline Last Seen: July 2, 2010 Birthday: 17/12/1982 Author Share Posted November 1, 2008 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. Link to comment
**KAZ** 0 Posted November 1, 2008 Member ID: 1,976 Group: Site Members Followers: 2 Topic Count: 521 Topics Per Day: 0.03 Content Count: 25,294 Content Per Day: 1.26 Reputation: 0 Achievement Points: 152,977 Solved Content: 0 Days Won: 0 Joined: 24/01/06 Status: Offline Last Seen: January 6, 2015 Birthday: 07/01/1956 Share Posted November 1, 2008 Great move, buying a house....wishing you all the best in your search and acchieving your goals :rofl: Link to comment
**Liv** 0 Posted November 1, 2008 Member ID: 3,771 Group: Site Members Followers: 0 Topic Count: 147 Topics Per Day: 0.01 Content Count: 6,621 Content Per Day: 0.33 Reputation: 0 Achievement Points: 39,450 Solved Content: 0 Days Won: 0 Joined: 23/10/07 Status: Offline Last Seen: August 8, 2014 Birthday: 09/04/1911 Share Posted November 1, 2008 How exciting!!! Good Luck :rofl: Link to comment
missylu 0 Posted November 2, 2008 Member ID: 4,117 Group: Site Members Followers: 0 Topic Count: 69 Topics Per Day: 0.01 Content Count: 357 Content Per Day: 0.06 Reputation: 0 Achievement Points: 2,765 Solved Content: 0 Days Won: 0 Joined: 02/03/08 Status: Offline Last Seen: November 3, 2009 Birthday: 09/07/1984 Share Posted November 2, 2008 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! Link to comment
melbournebudgies 0 Posted November 2, 2008 Member ID: 4,233 Group: Site Members Followers: 0 Topic Count: 329 Topics Per Day: 0.05 Content Count: 4,498 Content Per Day: 0.75 Reputation: 0 Achievement Points: 28,540 Solved Content: 0 Days Won: 0 Joined: 06/04/08 Status: Offline Last Seen: July 2, 2010 Birthday: 17/12/1982 Author Share Posted November 2, 2008 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 Link to comment
maesie 0 Posted November 2, 2008 Member ID: 3,838 Group: Site Members Followers: 0 Topic Count: 120 Topics Per Day: 0.01 Content Count: 4,386 Content Per Day: 0.22 Reputation: 0 Achievement Points: 27,580 Solved Content: 0 Days Won: 0 Joined: 18/11/07 Status: Offline Last Seen: June 27, 2013 Birthday: 20/04/1979 Share Posted November 2, 2008 Exciting and Stressful times ahead... good luck mate! P.S.... do we all get invited to the house warming??? :party0011: Link to comment
melbournebudgies 0 Posted November 2, 2008 Member ID: 4,233 Group: Site Members Followers: 0 Topic Count: 329 Topics Per Day: 0.05 Content Count: 4,498 Content Per Day: 0.75 Reputation: 0 Achievement Points: 28,540 Solved Content: 0 Days Won: 0 Joined: 06/04/08 Status: Offline Last Seen: July 2, 2010 Birthday: 17/12/1982 Author Share Posted November 2, 2008 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 Link to comment
Elly 0 Posted November 2, 2008 Member ID: 1,641 Group: Site Members Followers: 0 Topic Count: 414 Topics Per Day: 0.06 Content Count: 15,350 Content Per Day: 2.16 Reputation: 0 Achievement Points: 99,335 Solved Content: 0 Days Won: 0 Joined: 05/10/05 Status: Offline Last Seen: January 1, 2012 Share Posted November 2, 2008 Did you see the house? Link to comment
melbournebudgies 0 Posted November 2, 2008 Member ID: 4,233 Group: Site Members Followers: 0 Topic Count: 329 Topics Per Day: 0.05 Content Count: 4,498 Content Per Day: 0.75 Reputation: 0 Achievement Points: 28,540 Solved Content: 0 Days Won: 0 Joined: 06/04/08 Status: Offline Last Seen: July 2, 2010 Birthday: 17/12/1982 Author Share Posted November 2, 2008 I have to speak to the bank first about pre-approval, hoping to go on Thursday Link to comment
Denise 0 Posted November 11, 2008 Member ID: 3,657 Group: Site Members Followers: 0 Topic Count: 107 Topics Per Day: 0.02 Content Count: 896 Content Per Day: 0.14 Reputation: 0 Achievement Points: 5,985 Solved Content: 0 Days Won: 0 Joined: 05/09/07 Status: Offline Last Seen: October 9, 2010 Birthday: 01/10/1964 Share Posted November 11, 2008 Did you go and look at the house? Link to comment
**KAZ** 0 Posted November 11, 2008 Member ID: 1,976 Group: Site Members Followers: 2 Topic Count: 521 Topics Per Day: 0.03 Content Count: 25,294 Content Per Day: 1.26 Reputation: 0 Achievement Points: 152,977 Solved Content: 0 Days Won: 0 Joined: 24/01/06 Status: Offline Last Seen: January 6, 2015 Birthday: 07/01/1956 Share Posted November 11, 2008 Isn't this a picture worth framing Link to comment
melbournebudgies 0 Posted November 11, 2008 Member ID: 4,233 Group: Site Members Followers: 0 Topic Count: 329 Topics Per Day: 0.05 Content Count: 4,498 Content Per Day: 0.75 Reputation: 0 Achievement Points: 28,540 Solved Content: 0 Days Won: 0 Joined: 06/04/08 Status: Offline Last Seen: July 2, 2010 Birthday: 17/12/1982 Author Share Posted November 11, 2008 (edited) 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 November 11, 2008 by melbournebudgies Link to comment
**KAZ** 0 Posted November 11, 2008 Member ID: 1,976 Group: Site Members Followers: 2 Topic Count: 521 Topics Per Day: 0.03 Content Count: 25,294 Content Per Day: 1.26 Reputation: 0 Achievement Points: 152,977 Solved Content: 0 Days Won: 0 Joined: 24/01/06 Status: Offline Last Seen: January 6, 2015 Birthday: 07/01/1956 Share Posted November 11, 2008 Very disappointing But something to plan towards. Link to comment
melbournebudgies 0 Posted November 11, 2008 Member ID: 4,233 Group: Site Members Followers: 0 Topic Count: 329 Topics Per Day: 0.05 Content Count: 4,498 Content Per Day: 0.75 Reputation: 0 Achievement Points: 28,540 Solved Content: 0 Days Won: 0 Joined: 06/04/08 Status: Offline Last Seen: July 2, 2010 Birthday: 17/12/1982 Author Share Posted November 11, 2008 Luckily for us houses in that area don't move all that quickly so you never know Link to comment
**Liv** 0 Posted November 11, 2008 Member ID: 3,771 Group: Site Members Followers: 0 Topic Count: 147 Topics Per Day: 0.01 Content Count: 6,621 Content Per Day: 0.33 Reputation: 0 Achievement Points: 39,450 Solved Content: 0 Days Won: 0 Joined: 23/10/07 Status: Offline Last Seen: August 8, 2014 Birthday: 09/04/1911 Share Posted November 11, 2008 What a bummer! Fingers crossed that house is still on the market for you Link to comment
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