Groundhog month
It has been an utterly mad week of stress and building inspections and I think I just spent $700.00 to find out there are no termites in a house that may well be bought by someone else and how do we pay a deposit at auction when we dont have a chequebook and stress and do we really want this house what are the schools like around there and children not sleeping and stress and what do you mean you won't consider an offer before auction are you mental not that we're too keen to buy or anything and stress and oh it's a fantastic house if we get outbid this is going to stink and maybe we should have gone to at least one auction ever in our lives instead of just hoping that accidentally watching Hot Property once was enough and stress.
Arrrgh.
Fortunately there has been a lot of cake in the fridge at work so not all bad news, really.
With less than two days to go before the auction, all is in readiness and all we have to do now is be the highest bidders without bidding more than a bank would actually lend us.
I am hoping that this will be my one and only post about house hunting ever, so let me take this opportunity to acknowledge a few spectacular efforts from those professionals we have dealt with in recent weeks.
Firstly, a shoutout to our mortgage broker, who gave us an estimate of the stamp duty we would pay that was several thousand dollars off the mark, even though you don't even have to work it out you just look up a table and write down a number.
Secondly, some excellent work from a couple of estate agents. One, despite being generally rather likeable, struck me as less than motivated. When I told him that I had searched the entire backyard and it appeared than the property was completely free of clotheslines, he said "Well, I'll take your word for it".
This was topped by another agent who insisted the bench tops in the kitchen were not orange.
While we were standing in the kitchen. With the orange benchtops.
She managed to do this with a completely straight face, and didn't even blink when I took an orange out of the fruit bowl and held it up next to the bench.
This takes determination.
Finally, congratulations to whoever designed those mortgage calculators for websites of banks. We had a serious panic attack today when we checked that our fortnightly repayments would be what we thought they would be and two out of three mortgage calculators indicated that the payments would be around $100 per fortnight higher than we expected (and therefore totally unaffordable).
It took me a few minutes to figure out that this was because these super internet calculators had worked out a fortnightly amount by taking the monthly amount and dividing by two.
This works if it's ALWAYS FEBRUARY, and even then it's wrong in leap years.
As Tegan once pointed out to the Doctor, even a stopped clock is right twice a day, adn I think these mortgage calculators are similarly useful.
Here endeths the venting.
Expect celebratory posting early next week.
Arrrgh.
Fortunately there has been a lot of cake in the fridge at work so not all bad news, really.
With less than two days to go before the auction, all is in readiness and all we have to do now is be the highest bidders without bidding more than a bank would actually lend us.
I am hoping that this will be my one and only post about house hunting ever, so let me take this opportunity to acknowledge a few spectacular efforts from those professionals we have dealt with in recent weeks.
Firstly, a shoutout to our mortgage broker, who gave us an estimate of the stamp duty we would pay that was several thousand dollars off the mark, even though you don't even have to work it out you just look up a table and write down a number.
Secondly, some excellent work from a couple of estate agents. One, despite being generally rather likeable, struck me as less than motivated. When I told him that I had searched the entire backyard and it appeared than the property was completely free of clotheslines, he said "Well, I'll take your word for it".
This was topped by another agent who insisted the bench tops in the kitchen were not orange.
While we were standing in the kitchen. With the orange benchtops.
She managed to do this with a completely straight face, and didn't even blink when I took an orange out of the fruit bowl and held it up next to the bench.
This takes determination.
Finally, congratulations to whoever designed those mortgage calculators for websites of banks. We had a serious panic attack today when we checked that our fortnightly repayments would be what we thought they would be and two out of three mortgage calculators indicated that the payments would be around $100 per fortnight higher than we expected (and therefore totally unaffordable).
It took me a few minutes to figure out that this was because these super internet calculators had worked out a fortnightly amount by taking the monthly amount and dividing by two.
This works if it's ALWAYS FEBRUARY, and even then it's wrong in leap years.
As Tegan once pointed out to the Doctor, even a stopped clock is right twice a day, adn I think these mortgage calculators are similarly useful.
Here endeths the venting.
Expect celebratory posting early next week.
posted by I'm not Craig at 8:36 PM
3 Comments:
Good luck with it. I am so nervous in those situations that I didn't even go the auction when we bought this house many years ago. Needless to say - we will never move.
Props to the agent we dealt with who failed to tell us the day prior to auction that a pre-auction bid had been placed and accepted by the owners of a house that we were travelling to Melbourne to bid on. Hence we travelled to Melbourne only to find out that the house had been sold for less than we had been prepared to pay!
And on related matters, to our real estate agent in our rented property who told us that our leaking roof wasn't a problem as it was only leaking 'because of the rain.'
so what happened? did you get it? if so, welcome to the world of property ownership. i hope it all worked out.
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