So how do you include the colour selections into your mortgage? or is this not the best way to do this?
In our case, we have a H&L package and came under Firstyle's Living & Style promotion so includes most things & a few upgrades although nothing all that great. Our total upgrades including colours & Clipsal came up to approx $21K which we decided to cover ourselves.
I'd recommend trying to push for the colours appointment as soon as you can and when you're in there, upgrade EVERYTHING you want and they will come back to you with a cost sheet. You can then remove things you don't think are as important/required and this will give you an idea of what you're looking at. You can take this back to your broker to give them a ballpark figure of what you're needing for your total finance package.
Don't rush this though because you only get once chance at colours appointment, any additions AFTER this appointment cost $275 per item. Take some time to think through it, visit various display homes for ideas/themes.