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  • Profile photo of Chickster01Chickster01
    Participant
    @chickster01
    Join Date: 2011
    Post Count: 4
    October 28, 2011 - 8:54 pm

    Thanks so much – I have decided that I don't think its going to be an issue in this house.  I will get a property inspection done (if anyone can recommend a good one that would be great!) to assess the amount of asbestos in the house but if it is only in some of the internal walls & not in the roof (very expensive to replace!) then I don't see it as an issue.

    Again thank you for the replies – I feel much better about it all now :)

    Cheers, Amanda

    Profile photo of Chickster01Chickster01
    Participant
    @chickster01
    Join Date: 2011
    Post Count: 4
    October 26, 2011 - 1:59 pm

    Hey thanx for your posts everyone – especially you Bruce, thankyou for all the effort you put into replying.

    Yes I am buying in QLD – so it would be as you have mentioned above.  House with Asbestos back in NZ don't seem to be as common so I have little experience in knowing what the market view is of asbestos in houses – i.e. in NZ it would dramatically affect your resale potential where as from what I can gather here in QLD you are almost guaranteed to have some form of asbestos in your house if it is built pre-80 – surely with stats that high, the fact that asbestos is in a house must be just part & parcel of buying a place & is something that although considered isn't enough to drive a buyer out the door again???

    I will definately be looking deeper into what is behind the scenes of this house though to make sure that it isn't riddled i.e. under the exterior walls – and hopefully just has it in the internal walls in some rooms as previously disclosed by the owner.

    I just don't want to be sitting on a lemon in 5 years time if I decide to sell up & buy another house with the man of my dreams when I meet him hehehe (yes well dreams are free right!!!)

    Keep smilin & keep posting, every opinion is appreciated!

    Amanda

    Profile photo of Chickster01Chickster01
    Participant
    @chickster01
    Join Date: 2011
    Post Count: 4
    October 17, 2011 - 1:00 pm

    Hey Everyone – this seems like a great forum :)
    I am interested in buying my 1st home, this is my situation:

    Single Applicant
    1 x 17 year old child (finishing school in 1 month & will be financially independant)
    Annual Gross Income: $60K Salary + Super etc
    House I want to purchase: $305K
    Deposit (inc FHOG): $15K
    House will be rented to existing tenants for 1st 6 months ($320/week)
    I have been at my current job for approx 6 months.  Prior to that I had 6 months off work to travel (I had savings to live on). My employment prior to that was for 19 months during which time I have a savings history saving $12K.
    Prior to that I lived in NZ (where I was born) I owned a house back there but sold it to relocate here.
    I have a credit card with a $5K limit but $0 balance
    No other loans or financial commitments except usual living expenses i.e. food, petrol etc.

    Could you please give me some advice as to whether I will be eligible for a loan & whether any of you can help me with the application process.

    I understand that there is stamp duty here – I believe I don't have to pay that.

    Thanks in advance, Amanda

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