Hi all!
I have been in my place nearly 18 months now, and I think it has enough equity to pay off my hefty credit card debt and put it on…

Thanks for the ideas. Sounds good.
DO you think getting rid of the black/white pebbles and replacing with the same colour in the plant box would be too much?

Hi All
It has been a year, and I have attempted to get my front yard looking respectable.
I have attached some pictures, I hate the front…

Hi all,
I am after an installer for a split system in the Western suburbs. (Truganina)
I am looking at purchasing a TCL inverter split 3.5kw myself for $599, and need it…

CGU is pretty cheap.
So is budget direct

Hi All
I need to get the side area of the house concreted, it is about 12m x 1.5m
Nothing fancy, just cheap. It's only for the dog to run around…

I used fragile removals last time, and have booked them for my move again this time.
They quoted something like $96 p/h for 2 men and truck.
http://www.fragileremovals.com.au
One of the cheaper ones…

Here is a very rough 'photoshopped' version of my plan.
What do you think?

Some awesome ideas guys/gals, thanks heaps!
I'll take your ideas into account and try and do some computer sketches.
Thanks heaps.

Hi All
Yes, it is in Truganina! Hehe heaps of houses look the same there!
I may keep the existing beds, I dont know.
I love those designs with white pebbles and…

Hi All
This is the new place, as you can see the front garden is very, well non existant.
I really don't know what to do ? I am open to…

Still waiting!! The recession will be over by the time I get mine!!

Yes a number of VOIP providers support porting.
Try Maxotel, Pennytel or MyNetFone, They are the main ones I can think of.

R*MS took 4 weeks for pre-approval
another 3 weeks for conditional
then another week for unconditional

Hi All
I was given verbal unconditional approval a few days ago. (R*MS home loans)
My questions are:
1) How long does it take to receive the papers?
2) I have Veda…

I just got unconditional approval today!! I am excited.
Waiting for all the papers to come!

I have been waiting 3 weeks (15 business days) for formal approval with R*MS so far. Still waiting.
The finance clause has been extended once, and is about to expire again…

Hey I hear you!! I have been trying to buy a house since 28 Jan 09. This saga has given me so many grey hairs

WOOHOO! Congrats!

Apparently we are safe. We submitted our application a couple of months ago when the 100% loans where OK with RAMS. Our pre-approval was still valid when we submitted…

Thlo, how does this work with RAMS? I have a 100% loan, which I am waiting for unconitional approval on. They apparently use WLMI.
Will WLMI insure…

I am looking at some quotes. The cost of the house replacement is obviously just for the 'house' portion of the price I paid. E.g. excluding land. …

No, they wouldn't do it again upon my request. I got the agent to send them heaps of data for comparitive sales. They then formed the opinion that…

Second val came in 25k short. I asked the bank to do it again. They got compariative sales figures for other properties and soon realised the val was…

My valiation came in 25k short - I complained and they re-did it. It now has passed !!! YAY!
Just waiting on the final applicaton (I hope the LMI comes…

Zero, I am also giving up on Tarneit/Truganina. What other areas are you considering? I have no idea where else to look for similar price/features.

Fully, I think the house was about 20sq from memory.

Yeah, alot of people are having valuation issues in the Tarneit area.
I have had two properties fall through with low vals.
I agreed to $310k for a 4 bedroom, 3…

Hi all
As you may have read in my other threads, I have had two contracts knocked back by the bank for established homes because the valuation came short.
Whilst I didn't…

No, it was valued all as one. I have signed the contracts for two different houses. Both failed valuation.
The real estate told me that because I am using a…