Look at the fine print in the Agreement with the Agent. You might find that if you sell to Shrewdy (great deal – I’ll even throw in some RLV’s since I know nothing about holes in the ground in Chile) the Agent will still want a commission.
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Minimoke you are right if you change plans but if you have a look at the companies I mentioned. I would bet that they are not buying off the any of the wholesalers you mentioned. In fact i would be very suprised if much other than the concrete is purchased in this country. And I have some experience with some of the messes Fletcher Homes have built. I have owned a G J Gardener home in another country and it was one of the best finished I have seen. It was about 5 years old when I bought it. They are built to order of specific standard plans (definately alterations are expensive) but do not set out to build 20 or so houses in a specific area. Not like Fletcher homes and others.
You're right MM - it's in the agent's hands now. Although if I introduce a buyer I'd want a pretty good discount on the commission.
And I couldn't agree more with your thoughts regarding developing a saving mentaility, and also a sacrifice mentality, in order to buy your first home. It should be a major commitment, and you should have to demonstrate to the lender that you have the discipline and maturity to service such a large loan.
But on the other hand I suppose it's also a role of central government to assist with housing, and the more people they can get into a situation where they're paying their own way and reducing dependancy on others then the better the country will be. I leave the finer details of how they do that to the politicians. As long as they err on the side of caution then it's all good.
[QUOTE=Dr_Who;235166]If that house was in Auckland at $210k I would buy it. [QUOTE]
It's been on the website for 3 hours and the agent already has 4 groups to show through it. School zones are everything in ChCh, so the Shirley Boys / Avonside Girls combo is worth something on it's own.
You’re on – my wine cellar is a bit depleted at the moment. How about this form GJ Gardeners website for a case of Pegasus Bay of our choice: “Product Performance
Our G.J. Gardner Homes franchises use only high quality, proven construction materials and products from New Zealand's most reputable manufacturers and suppliers. Products used in your home will provide dependable performance.”
[quote=Serpie;235167][quote=Dr_Who;235166]If that house was in Auckland at $210k I would buy it.Here’s another tip for the newbies – don’t try to buy in “good” school zones at this time of year. Enrolments have closed, spaces are limited and parents after a “better” education who have missed on the ballot are now looking for in-zone so the wee dears get a decent bit of learning.Quote:
It's been on the website for 3 hours and the agent already has 4 groups to show through it. School zones are everything in ChCh, so the Shirley Boys / Avonside Girls combo is worth something on it's own.
MiniMoke does not say they are bought in NZ though
Oh – is that a knock at the door . Must be the delivery person with the Maestro. Possum, I think you’ll find Methven Taps more expensive if they are purchased offshore and freighted back to NZ or laser frame or pre nailed trusses made locally shipped away and then sent back here. We could argue the semantics over an open bottle but I think its fair to assume that if a supplier is in New Zealand then the product is purchased in NZ. If its manufactured in NZ, you’d have to give credit to the supply line if they can ship it off shore and back again at a price cheaper than going direct to the local manufacturer – unless of course you wanted to pay a higher price. Granted, its not beyond the realms of possibility but pretty unlikely for all materials that go into a build.
in my life time i have build 6 houses by myself with the only outside labour being electrics and plumbing, and my build costs were around $300 sqm finished excluding my personal time
my current home is a removal home and cost $40000 sited and ready to move in plus land.
in the future, i will only ever consider a removal house.
but then....... im happy with a 20year old kitchen and bathroom.
its not that hard to get into the property game even with a low deposit.
there are several houses on trade me for sub 40k sited and many sections or rural blocks for sub 100k.
once the package is complete its always worth more than the 2 sums.
but.........
some folks just want the best or the easiest way.
some folks just need to impress
and a few out there do what they have to do to get a home.
i strongly recomend a removal home as an option to a first time home buyer.
and yes.......... banks will lend on the project if you present it right.