We have roads!

We got notification on Tuesday that the roads in Stage 2 had (finally) been done! So excited because that seemed to be the last thing major that needed to be completed for registration. We drove past and it looks amazing - even the street lights were on.

Our block in the one of the left hand side - basically from the green power box forward. Its so excited to see it so close to being finished :) They are saying registration is due for mid April but we will just have to wait and see!

The Waiting Phase

I guess this is what they called the waiting phase? We have exchanged with Walker on the land, signed all the necessary loan documents, paid our 5% to the builder and signed the building contract and now all we can do is wait.

We had a peak at our block last Sunday - it looks almost done with the except of the storm water drain curbing that looks like it just needs to be connected with the rest of the guttering. Light posts are in as well.

The roads look like the next thing to go in and then we should be set for registration. At the moment Stage 1 is due to be released on the 3 March and Stage 2 (thats us) to following in April - conveyancer thinks we should settle in May which means I won't get my slab for my 21st birthday but oh well!

Waiting Waiting Waiting....

Quick Update

Not a lot has changed since our last update. We are exchanging contracts with our conveyancer tomorrow - 5% has already been paid so it should be a simple process.

We don't have a date for registration. Some people in Stage 2 are saying by the 31st March and others are saying mid to late April. I'm not really fussed as if we aren't in by the 5th October than it will at least give us time to have the wedding, pay everything off etc before our full mortgage repayments start.

No roads down yet on our street which is a little disappointing. Hoping to go out there tomorrow with the other half to see if much has changed.

I'm assuming the next stage with the builder is colour selections etc? This excites me and scares me but I have a pretty solid idea on what we want so hopefully its not too stressful. I have only got a few weeks till uni goes back and then life is going to get crazy for the next few months :)

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.