Contracts Signed.

On Wednesday we met with our builder and signed the building contract as well as the nomination form for the land! Officially secured.

We have heard from our fellow neighbours that our land has been pegged to register/settle on or BEFORE the 31st March 2014. Just over two months to go!

Builder is going to try and set out there and have the soil tests done. We have a H class slab accounted for as well as piering so I don't think we will have too many problems there.

I'm hoping we should exchange on the land in the next week or so - 5% was paid initially by the builder and we have now reimbursed them so there shouldn't be any issues.

Now I'm just hoping for a dry winter atleast until lock up anyway!

Loan is APPROVED!

I got the wonderful email from our lender today to say that we have FORMAL BANK APPROVAL! It was an amazing feeling after a long wait but its done now so we get to move onto the move exciting things.

We have called the builder to organise a meeting to sign contracts and exchange on the land... then I think its colour selections :)

We want our first night as a married couple to be in our brand new home so we have EVERYTHING crossed that it will be done by the 5/10/14 but who knows. I'm just happy we have the bank approval :)

Still waiting...

We haven't really progressed from Monday unfortunately. Its starting to get me a little overly stressed and frustrated but I know there will be many parts of this process like that.

Apart from two emails this week - one asking for updated payslips and the other asking to clarify something about the finance plan we have on our wedding rings (no interest great repayments) as one of our payments bounced over the Christmas holidays due to all the dates of our loan repayments and incomes changing around.

As of 5pm today we haven't heard anything - not even an email to say that she is still working on finalising everything. I know she said on Monday she is getting snowed under doing 4 peoples work so I'm really hoping that is all it is.

Builder should be back on the scene on Monday so I'm really hoping we hear something Monday/Tuesday - I want to get all our selections etc sorted because I start back at Uni end of Feb because once I'm back at Uni life is going to get really hectic again.

Waiting for formal approval

We are currently waiting for the bank to give us the final approval (with EVERYTHING crossed of course!).
I spoke to the lender yesterday and she said that the valuation has come back and she should have everything finalised by the end of the week - now I'm trying really hard not to jump the gun and assume that this means everything is okay and that they are going to approve us?
She emailed me for pay slips this morning as well.

I have got every part of my body crossed that we will get the approval and can work on getting everything finalised with Meridian.

I have never been a patient person but this whole process is certainly forcing me to learn.