MySwag.org The Off-road Camper Trailer Forum
General => General Discussion => Topic started by: BLKWDW on August 01, 2014, 08:14:04 AM
-
We have recently acquired a 30acre block. We have the intentions of building on it and have to have our plans submitted by 18 jan 2018 so no rush to get it done but want to get an idea of costs that we will be looking at for building.
So what experiences have ppl had with the 3 options of building a house or another option we havnt thought of.
We arnt after a fancy house just basic 4/5 bdrm home with open plan living/dining/kitchen areas.
-
My parents had a house built by Masterton Homes in Sydney in the 1980's. It was a 2 story display home. The only real change we made, was display home was on a wide block, our block was narrow, so had the house turned sideways. and the sliding doors and balcony changed to the new front wall. the plans and everything from memory were easy. They can sign you up in 3-4 weeks with completely new plans of their display home if you want changes.
My olds had plenty of issues from time dragging on (not weather related but their contractors were *busy*), and quality of what was built, and also the materials used in the end.
Remember what is shown in display homes isn't what you get either. usually they have the top shelf house on display and the lowest price with ** next to it.. EG: display home has 50 power points throughout, the one the price is listed for has 1.. Display home has garage doors, the priced one doesn't.. you'll be lucky if it includes taps.
These days houses are thrown up in record time and as a mate in Somerville has found out with some builders there is no interest unless its a housing estate where they are signed up to sign off on 20 houses in a month. I often wonder what the quality will be like in 10-20yrs time.
Honestly I don't know what I'd do these days but I do like the idea of using a builder. GG maybe able to give a real good insight into it these days
-
Work collegue just had a pre fab put on her property at Dalsford
1 slab down, 3 semi trailers and a crane and it was done
Honestly this place of theirs is a palace and you could not even tell it is prefab the finish is that good
Will be the way i go if i ever can afford my block down at Margaret River
-
We recently went to this mob and had a look around.
Very impressed and material used and quality of workmanship.
Have inspected a few that been occupied as well.
We will go down this path in the future for our block.
Very informative website, should answer everything you need to know.
http://www.transportablehomesvic.com.au/ (http://www.transportablehomesvic.com.au/)
-
Hi
I would think the prices would be dependent on how far the land is from Builders and sub-contractors, how much work is available in the area for them, and transport costs.
Generally, if the area is pretty well serviced by suppliers and tradies, a Builder would be better value and the plan would be more flexible. You also have whatever State Regulatory Board for protection if things go awry, but they may well be as week as water. If you go this way make sure everything is in writing including variations, specifications and inclusions in the price. If you are unsure on anything, get it clarified in writing.
Kit Homes can be economical if you are prepared to do a lot of work yourselves, however if you need to take time off from being productive it will cost you more, and prefabs can be good because most of the material supply and labour is locally sourced by the manufacturer and the transport, elect, plumbing and drainage connections are the main things done on site.
Most subcontractors and suppliers charge an owner builder more than a builder who gives them more regular work, so everything you get done costs more. This can end up costing more than a builders total price, take longer, and end in an inferior product but at least you have a sense of achievement.
I have seen cases where people from outside well populated areas receive a quote from a builder who pumps the price up because he doesn't want the job, but if he does get it he makes a tidy (rip-off) profit.
Then when the person decides to go owner builder, it comes in cheaper, although they take 6 months off work to build it, and then write another book on "How To Be An Owner Builder and save Thousands" and make $23.50 off the sale of three books, but it cost $15 000 in editing and printing.
In Brisbane a few years back I was working for a Builder that built standard houses and added around 25% for overheads and margin. We also sold the same plans as Kit Homes and added 35% to 40% to the cost of the main structure and plaster. That was effectively a bonus for doing a lot less work than building.
Prefabs have limitations in designs and sizes and material choices unless there is a bit of on-site construction adding the pieces together, but cost wise work out pretty well as there is limited trade work on site. These can also be quicker as the factory production style has less delays for weather and material supply.
Depending on the Local Authorities approval, relocated homes can be good value especially if more modern designs with the open plan you want are available.
Buy the house, move it on site and connect the services, and quite often all you need to do for the Council is repaint it. Banks don't particularly like to finance these but it can be done with a bit of research.
I don't think there is a simple answer to what you want, but there are options with a wide range of possibilities.
Good luck with your endeavor.
Cheers
Ian
-
For the option you haven't thought of, how about buying an existing house and having it moved to your block? You don't say where you are, but this is often done in Queensland with the traditional timber Queenslander style houses. Not sure how it works in other states.
-
This thread looks familiar......DBW, my other love!
-
Sorry we are in nsw and the block we have bought is 40km/half hr drive out of the main town of cowra but prob 10min to woodstock.
-
This thread looks familiar......DBW, my other love!
lol yeh mate i posted there as well. The more opinions and information i can get the better equipped ill be when it comes to lay down the money.
When going with major builders to like hontondo homes ect do you get all the pre buidling surveys and tests including in the purchase price or still have to source yourself. Like soil testing ect.
-
We're in the same boat at the moment.
We would like to build a kit home (Paal Homes), or even owner build, but the finance is a killer. With the kit homes, you basically have to purchase the kit before the bank will give you any $$.
To answer your question re site soil classification and contour survey's, the builder can do them, but there's a charge.
If you want the reports to use elsewhere, you can buy them off the builder( some do this, some don't)
Or as was suggested to me by a mate in the industry, get them done yourself. They are then yours and you can do what you like with them.
And you can shop around.
All the best!
-
My parents and me when I'm on days off are using Zego blocks to do the extension to the funeral home.
http://www.zego.com.au/ (http://www.zego.com.au/)
Something to look at instead of brick. We haven't started building yet but I can get pics when we start.
-
My parents and me when I'm on days off are using Zego blocks to do the extension to the funeral home.
http://www.zego.com.au/ (http://www.zego.com.au/)
Something to look at instead of brick. We haven't started building yet but I can get pics when we start.
many years back on the Goldy they built a house next to one we were doing out of similar stuff.....was weird tapping on the outside of a rendered wall and not hearing the solid sound you expected...lol...i always wondered what happens when the kids ram a bike into it or the like?
-
We were looking at the transportable option, but to me it was a lot of extra $$$ for the convenience. We will probably go with a local building company if they will let me supply my own materials (discount from my work). Some of the major companies I wouldn't deal with personally after having to deal with them as a supplier, and knowing their quality (what they do to save money).
If I was loaded I would go with one of the local builders out on his own.
My views on these major are only my personal views.
-
For transportable, check that the company can actually deliver via truck to the site, as when we looked at this option we were surprised to learn that many of the roads in theAdelaide Hills are not suitable or capable of carrying the required size. Cheers! Andrew
-
Camper Forum !
-
Hi BLKWDW
See attached link. Ours is a prefab and the best looking house in the estate.
Wayne
http://www.harkawayhomes.com.au/Victorian-Homestead-Homes.html (http://www.harkawayhomes.com.au/Victorian-Homestead-Homes.html)
They go just about anywhere in Vic and NSW.
-
Camper Forum !
?
Thanks fuji will have a look.
-
Camper Forum !
Yep it is.
Not sure why friends can't ask friends a question about something else though???
Dmax owner! ;D ;D
-
Dmax owner! ;D ;D
say no more mate ;) ;D ;D
-
General discussion
Feel free to talk about anything and everything in this board.
-
General discussion
Feel free to talk about anything and everything in this board.
That's what I thought too :cheers:
-
General discussion
Feel free to talk about anything and everything in this board.
See I thought this thread was about building a "base camp"! :D :D
-
Dmax owner! ;D ;D
What's this bit picking on dmax owners. LOL ;D
I have had posts on general discussion about buying a washing machine, an ereader, a shed etc so I think it is so very helpful for all of those things as well as camping info. Especially with so many people on here. :cheers:
-
Dmax owners great people and generally well informed. First place I go to ask for info and advice:-)
-
What's this bit picking on dmax owners. LOL ;D
I have had posts on general discussion about buying a washing machine, an ereader, a shed etc so I think it is so very helpful for all of those things as well as camping info. Especially with so many people on here. :cheers:
Was I picking?? I thought I was just stating a fact , like he did in saying its a camper forum?
:cheers: ;D
-
Was I picking?? I thought I was just stating a fact , like he did in saying its a camper forum?
:cheers: ;D
you picking on my newmate oldmate?
Renee's going to show me her's tomorrow. Apparently cleaning it and everything just for me to look at:-)
-
Was I picking?? I thought I was just stating a fact , like he did in saying its a camper forum?
:cheers: ;D
:D
-
you picking on my newmate oldmate?
Renee's going to show me her's tomorrow. Apparently cleaning it and everything just for me to look at:-)
So you going to be one of them too? Great! Why take a step back from the jeep? ;D ;D ;D
It's not going to be one of those show me yours, I'll show you mine, type of thing I hope. Lol.
Anyway off topic this thread is about building houses not campers or dmax's. ;D
-
Or Jeeps.
-
Well seems like i may have jumped the gun. Despite getting the pre approval from the bank for the land, having out house and the land evaluated by the bank, signing the contracts, then going to the bank to sign there paperwork upon arrival we were told there knocking back the loan now as its to big being 12ha. There limit is 11ha. Was devastated as i believed we had the property and wernt given any indication otherwise. Wish they told us upfront instead of going through the processes for 4 weeks and nothing being said till the end.
-
Well seems like i may have jumped the gun. Despite getting the pre approval from the bank for the land, having out house and the land evaluated by the bank, signing the contracts, then going to the bank to sign there paperwork upon arrival we were told there knocking back the loan now as its to big being 12ha. There limit is 11ha. Was devastated as i believed we had the property and wernt given any indication otherwise. Wish they told us upfront instead of going through the processes for 4 weeks and nothing being said till the end.
That sux a lot, sorry to hear that. What's the plan now, try another bank?
-
Tried other banks and no one will lend me the money. If its 11ha no probs but its to small then for what we want to do on it so pretty much have to give up on the idea
-
Tried other banks and no one will lend me the money. If its 11ha no probs but its to small then for what we want to do on it so pretty much have to give up on the idea
I guess is it too small to go through rural bank? Where was it located?
-
Its located in woodstock 40km out of cowra in nsw. im more pissed as it was our perfect block. had everything we wanted in land and perfect location. Bank went on with it for 4 weeks and surely would have known it wasnt gona happen before then.
It was with the comm bank. I've rang the other big banks and no go and few local ones as well but same result.
-
there knocking back the loan now as its to big being 12ha. There limit is 11ha.
am I the only one who thinks the bank made this excuse up on the spot???
-
they say its not them its there insurer. regardless they would have known at the start. where else to go i have no idea. if the land cost 100k and not 75k and was 11ha it wouldnt b a problem even though its more risk. doesnt make sense
-
they say its not them its there insurer. regardless they would have known at the start. where else to go i have no idea. if the land cost 100k and not 75k and was 11ha it wouldnt b a problem even though its more risk. doesnt make sense
When trying to understand banking just focus on your last 3 words "doesn't make sense"
When taking out a loan they just seem to make stuff up as you walk in the door.
Have you tried telling them that you plan on subdividing it, into 2 parcels?
11 ha, & 1 ha.
Then they might offer commercial finance.
-
How would or does that work?
-
If you get back on track have you considered strawbale?
-
How would or does that work?
It would be worse because they'll only give you a 60% lvr on the loan and expect you to cover council and subdivision costs.
Can you talk to a different lender in a different branch of the CBA. Mortgage Insurers don't tend to split hairs on these types of things and theres a couple they can pick from.
I have never heard of a 12 hectare rule before. More recently they have just been ruling out postcodes they will lend in, maybe thats the reason.
Talk to a good mortgage broker, they may have other lenders you haven't thought about that are more flexible with the loan, such as your superannuation supplier.
There is a lot of different ways of filling out a mortgage application and sometimes the way you or I might do it is not the same way a broker would recommend and the difference can be a loan or no loan. Give one ago.
Regards
-
Yep talk to a broker.
-
We used a mortgage broker, mortgage choice. She believes mo one else will lend to us and commbank was our shot.i was always asking alot of the loan as we were borrowing 100% and using thr equity in our house for security. They say we now need the 20% deposit we were originally told we wouldnt.
I have rang our local commbank and slso there normal hotline number with no lick. They say there hands are tied. I also rang westpac, st george, nab, centralwrst credit union and luck. Waiting for a callback from anz and bankwesy today but expect the same result. Also a member of here who works at a bank is going to see what they can do.
Hav also thought bout asking the realo bout vendor fibancing but dont know much about it
-
Here's a tip. We bought a farm years ago and got the loan through our bank. The Bank Manager said that we needed to get the loan for investing purposes only. eg Shares. He said do not tell him we need the loan for a farm as that is out of their scope. After I have the loan approved, I can use the money for investing purposes and if that just happens to be for a farm, there is nothing the bank can do about it. (Guess what - we still use the same Bank Manager today).
Peanut
-
Did they tell you what the valuation came in at on your own home as against what you owe on it?
:cheers:
-
Just checked with ING bank who we use and its not a problem.
They check liability and ability to service repayments.
Its just number to them.
Call them. I did 12 years ago and it was the best thing I ever did...........
Cheers and good luck,
Brian
-
Did they tell you what the valuation came in at on your own home as against what you owe on it?
:cheers:
Yep the house was valued at 170k and we owe 145k. Not much there i know but i didnt expect to be given a yes we can in the first place.
Just checked with ING bank who we use and its not a problem.
They check liability and ability to service repayments.
Its just number to them.
Call them. I did 12 years ago and it was the best thing I ever did...........
Cheers and good luck,
Brian
I rang them this arvo and they wont loan over 2ha the lady told me.
Here's a tip. We bought a farm years ago and got the loan through our bank. The Bank Manager said that we needed to get the loan for investing purposes only. eg Shares. He said do not tell him we need the loan for a farm as that is out of their scope. After I have the loan approved, I can use the money for investing purposes and if that just happens to be for a farm, there is nothing the bank can do about it. (Guess what - we still use the same Bank Manager today).
Peanut
How does that work dont they want you to show them wont ur spending it on for security purposes?
-
I rang them this arvo and they wont loan over 2ha the lady told me.
Sorry mate.
I am a bit surprised though, I had no trouble getting a loan for 20 hectares. Only problem I had was I faxed the paperwork and they wanted to sight an original signature.
Keep trying, it sounds worth it.
Brian
-
Sorry mate.
I am a bit surprised though, I had no trouble getting a loan for 20 hectares. Only problem I had was I faxed the paperwork and they wanted to sight an original signature.
Keep trying, it sounds worth it.
Brian
I reckon it all comes down to the person you happen to get on a particular day with this sort of stuff sometimes
-
Sorry mate.
I am a bit surprised though, I had no trouble getting a loan for 20 hectares. Only problem I had was I faxed the paperwork and they wanted to sight an original signature.
Keep trying, it sounds worth it.
Brian
Problem was i think its a residential zoning were as u bought a farm. Ive hav rang heaps of places to no avail and pretty much think thats how its hona end. Bsnkwest would do it with a 10% deposit and although i could get the money together for that i still couldnt afford the other fees like stamp duty, legal fees eyc
-
Dmax owners great people and generally well informed. First place I go to ask for info and advice:-)
Arrrr So why did you not ask about " Buying a Jeep " ??? :cheers:
-
Dmax owners great people and generally well informed. First place I go to ask for info and advice:-)
Arrrr So why did you not ask about " Buying a Jeep " ??? :cheers:
I like to live on the edge
-
I like to live on the edge
That you do :cup:
-
That you do :cup:
-
Dejavu
-
Dejavu
-
I like to live on the edge
lf your not then your taking up too much space :cheers: