The Start of a Big Adventure...hopefully.
/We’re starting down an exciting, overwhelming time consuming journey of buying/ building a home!
First stage - talking to the bank or a mortgage broker. Scary stuff and to be honest something that we’ve talked about a few times over the past few years and I’ve put off because I hate dealing with banks and paperwork. It just seems like an overwhelming and anxiety ridden process BUT my hubby really, really wants us to look into this so here we are.
We’ll need to use KiwiSaver and potentially a HomeStart grant? I don’t know argh overwhelm and confusion reigning supreme.
In the meantime I’ve started a notebook of tips and info that I come across and every floor plan I happen upon I examine closely and note about what I like/don’t like. As I’m doing stuff around our current home I think about what works/doesn’t work.
We also drove around subdivisions in Pukekohe and Paerata to get a feel for what land was available, section sizes, the general area and what building companies had signs up.
Aerial view of Pukekohe via Akl Counci website
The closest I’ve come to the whole building process is what I’ve come across while doing colour consultations for my building company clients. There is A LOT I don’t know about…especially when it comes to purchasing and preparing land for a build. This brings us to the consideration of questions and decisions like do we go for a house and land package with a group housing builder and lose the freedom for design considerations but the process is (supposedly) all laid out and streamlined OR do we find the land and then a smaller independant building company and have the option for full (budget friendly) customisation…can we even do that being first home buyers?
So if you’re interested in following me on this journey stay tuned…I’ll be back to report in again soon as soon as I can work my way out from under this pile of paperwork.
