Didnt know if this was the right area to post - Its no mansion with on acres, but this its my little slice of heaven
I honestly had no idea what to look for in a home, I told my parents I wanted a home similar to my mates old home (old Victorian style I think its called) and they were honestly the 2 people that made it happen. Without their support I would have been lost.
Future plans: my main goal is to build a pitched pergola from the back of the garage (knock down the old 'thing') and have it end where the old one ends. I think the pitched roof will give it the illusion its a bigger area than a flat roof (hoping anyway) lay some new carpet, paint the walls, and grass out the back.
(NOTE: pictures are from the real estate ad - not my furniture)
The story:
The house was Advertised for $349-$369k. My mum went and looked at it then called me saying it was the one, so we organised an inspection and I instantly fell in love with it too. My dad stepped in after this point (hes got alot of properties under his belt so he knew what was best) long story short, the sellers agree'd to $330k (yep)
everything was going smooth as hell, my loan was going through commonwealth bank, I had signed all the papers - at this point I had put down a 30k deposit on the home. Then the nightmare began...
I received a phone call from the bank manager I was dealing with saying theirs been a problem (even tho i was assured a million times everything is set in stone) Commonwealth bank has been my bank since I was a little kid (and only them) they had access to ALL my records. The issue he said was lack of sufficient savings. at the time - I had 20k that was in my goalsaver account, and he kept hounding me saying who gave you the money, was it a gift etc etc I kept saying what? Its money ive saved? not entirely sure what the problem was.. he ended the phone call by saying sorry, we are unable to support your loan.
now i purchased my house in January, we have to rewind to November the year before. that 20k was in a term deposit that had matured, I went in to the bank to discuss what months were paying high interests, she told me that no term deposits were paying well and opt to put in a goal saver. gave her the ok and went on with my day. what I didnt know, was instead of transferring the money across - she *pulled it out* and then deposited into the goal saver. believe it or not this some how wiped all proof of this money i had saved from many years. Even the evidence of monthly deposits into this account were not sufficient as the proof of this account had magically disappeared.
I began stressing, parents assured me it would work out. So they called and we had a meeting with the real estates broker. she was absolutely AWESOME! I was already saving 8k dealing with NAB over commonwealth. But the problem of this insufficient proof of savings got brought up with this 20k also. I went back to my local commo bank and this poor branch manager spent 30 mins trying to get me something that was proof. in the end she got me (I want you to picture this) a blank sheet of paper, commo bank logo, a small print that said my name, a date (3 months earlier) and a figure. thats it! lol
and with that.. it sealed the fate of that house, I got the keys and i was a damn happy boy!
