Seeing we got talking to Kurmond again we decided to review our plan one more time. I jumped online and noticed they updated there Strand 39 not only with our changed, but someone else made a smart change to the upstairs ensuite. So we decided to ask for that change also. Peter at Kurmond homes had no issues with that and made the change. See below a quick pic.
The plan of attack moving forward is pretty simple.
- Wednesday we head into Kurmond homes to choose our outside colours. We'll also pick up a building contract and sustainability check sheet so we can get our grant. I'll be talking to Kurmond about timings now with council etc from this point.
- On the June long weekend or there about's we should be able to settle on the land.
For those following my HAF fund issue a bit of an update. We got nowhere, tried a few banks and just decided to cop it on the chin, but with a bit of a fight. We took our complaint all the way up and almost went to the banking ombudsmen. We only stopped before there as we decided we still haven't got final approval on our construction loan and we didn't want to push our luck. We did write to the Minister for Housing and sadly they went and attacked the people at Delfin, rather then the mortgage insurers. That upset Delfin a bit but my point was that the insurers are deducting any grants from the value of the house which makes the grant useless. Good news for us is that we found out we can settle using the grant (so it doesn't even touch our hands) as long as we had a few documents completed and a building contract. This means we no longer have to try and find a shortfall of $9500 and also lose our construction deposit.
the risk now is the bank comes back and does something stupid with the construction loan, I hope not. Also it means we're going to find it tough paying two mortgages towards the en of construction as we planned to use some of the grant to live off. Oh well, they say building isn't easy.
Either way, I'm getting excited again. I live every day dreaming about moving into a home that we can much better call our own. Our current house was a stepping stone, our next is much more for us.