Browse Forums Building A New House Re: M & C's First Build with HGWA - Eglinton 22May 09, 2017 10:10 pm Hello. Just read your thread. I have to agree with jomontoya, raking bulkheads look quite ugly and are never done right. I would suggest raising the brickwork and roof to 31c where you currently have bulkheads, but keep the ceilings at 28c. From memory, it was only $400 to remove the raked bulkheads in the laundry and main bathroom. Alternatively, you can replace all raking with square bulkheads. Check with your builder which option is more economical. Also, you might want to consider adding a square bulkhead above the kitchen cabinetry to cover the gap. Re: M & C's First Build with HGWA - Eglinton 23May 09, 2017 10:15 pm shellu Hello, just read the beginnings of your thread. I like the idea of having a sliding door so you sort of have a guest wing! Hi, thanks, yes we were pleased with the idea! Haha Re: M & C's First Build with HGWA - Eglinton 25May 09, 2017 10:17 pm glamgirl Hello. Just read your thread. I have to agree with jomontoya, raking bulkheads look quite ugly and are never done right. I would suggest raising the brickwork and roof to 31c where you currently have bulkheads, but keep the ceilings at 28c. From memory, it was only $400 to remove the raked bulkheads in the laundry and main bathroom. Alternatively, you can replace all raking with square bulkheads. Check with your builder which option is more economical. Also, you might want to consider adding a square bulkhead above the kitchen cabinetry to cover the gap. Yes I agree they can look ugly. For only $400 that's not bad and I will definitely do that! Great idea for the one above the kitchen cabinetry. Thanks! Re: M & C's First Build with HGWA - Eglinton 26May 09, 2017 10:35 pm How about having sliding doors on the theatre? You can still have pretty doors but they are less intrusive into the room. You can recess them into the walls but that is expensive. Or have them slide against the inside theatre walls. Sliding doors on your ensuite and laundry might be space savers too. Re: M & C's First Build with HGWA - Eglinton 27May 09, 2017 10:43 pm Mrsxtro01 How about having sliding doors on the theatre? You can still have pretty doors but they are less intrusive into the room. You can recess them into the walls but that is expensive. Or have them slide against the inside theatre walls. Sliding doors on your ensuite and laundry might be space savers too. That's a good idea, I might ask for a quote on the recessed doors as that's a great space saver! We though about one for the laundry but decided the non sliding doors will provide more noise reduction. Re: M & C's First Build with HGWA - Eglinton 28May 09, 2017 10:48 pm Expect a big surprise when you get the quote for recessed doors!! We opted for sliding doors on our theatre but they just slide against the inside wall. Much, much cheaper. Although not as neat looking unfortunately but couldn't justify the price they were asking for recessed. Unfortunately I can't remember how much it was but I remember being shocked by the price. Re: M & C's First Build with HGWA - Eglinton 29May 09, 2017 10:53 pm Oh, and here's another $$ saving tip for you! We wanted showers recesses but they were expensive. So we had a 1000mm high nib wall put on the back wall of each shower. Now we have a little shelf to put shampoo etc on! Re: M & C's First Build with HGWA - Eglinton 31May 24, 2017 3:19 pm m0llss Received our formal finance approval yesterday! Settlement on the block in the next few weeks, and tile and laminate meeting on the 9th of June Congrats on the formal approval! First home builder - Brightwood Estate, Baldivis. Celebration Homes. Follow my build here Re: M & C's First Build with HGWA - Eglinton 32May 28, 2017 1:03 am Follow our build with Express Two Storey (Ventura Group): viewtopic.php?f=31&t=85122 Re: M & C's First Build with HGWA - Eglinton 33May 30, 2017 11:59 pm Received all our mortgage documents etc in the mail, all signed ready for settlement on 20th June! Just a quick question, has anyone got Title Insurance through their settlement agent? Would anyone recommend getting it?? Very confused on this one... Re: M & C's First Build with HGWA - Eglinton 34May 31, 2017 12:52 am I did (get the title insurance) *juuuuust* in case, very unlikely anything should come up though, especially being a newly developed area. But I thought $299 for lifetime insurance and no excess was *just* enough to be reasonable. Re: M & C's First Build with HGWA - Eglinton 35May 31, 2017 1:07 am What is it for? I settle my land on the 13rh. Prestart done and signed off today too. @Madora Dreamer Re: M & C's First Build with HGWA - Eglinton 36May 31, 2017 1:09 am What is it for? I settle my land on the 13rh. Prestart done and signed off today too. @Madora Dreamer Re: M & C's First Build with HGWA - Eglinton 37May 31, 2017 1:32 am Madora Dreamer What is it for? I settle my land on the 13rh. Prestart done and signed off today too. I'm not exactly sure, a letter from my settlement agent essentially just says it covers any defects or things that were unknown when titles were transferred... its not very clear which is why I wanted further clarification but it's $299 Did your letter from the settlement agent ask for title insurance? Re: M & C's First Build with HGWA - Eglinton 38May 31, 2017 1:34 am tdk14 I did (get the title insurance) *juuuuust* in case, very unlikely anything should come up though, especially being a newly developed area. But I thought $299 for lifetime insurance and no excess was *just* enough to be reasonable. That's my thoughts, would be kicking myself if something was to come up, but it's quite a large cost. I feel like it would be more beneficial for established homes? Not entirely sure though l. But yes, that is true and $299 is reasonable when you look at it like that! Re: M & C's First Build with HGWA - Eglinton 39May 31, 2017 11:24 am m0llss Madora Dreamer What is it for? I settle my land on the 13rh. Prestart done and signed off today too. I'm not exactly sure, a letter from my settlement agent essentially just says it covers any defects or things that were unknown when titles were transferred... its not very clear which is why I wanted further clarification but it's $299 Did your letter from the settlement agent ask for title insurance? ainst (Sorry for long post!) It's a bit complicated, but land title in Australia operates under the Torrens system whereby government agencies are supposed to provide absolute assurance to the process of selling and buying interests in land. The system was developed here in Australia and is used quite a bit around the world. Before the Torrens system was introduced, land transactions were managed under a series of common law rules. There was a lot of uncertainty about who held valid title to land (chain of title problems) and Torrens was supposed to address this. But Torrens isn't perfect and mistakes can be made. Title insurance is intended to protect against those mistakes, by compensating a policy holder for losses suffered as a result of those mistakes. There's a whole bunch of other things title insurance *should* also protect against. Parties in a famous case in 2007 (Black v Garnock) probably would have benefited from title insurance: The Facts The Smiths owned “Wanaka”, a 1600-acre farm property near Bombala in Southern NSW. The Smiths owed money to Mr. Black, Mr. Chapman and Mr. Carter, a firm of accountants. In September 2004, the accountants obtained a judgment in the District Court of NSW for $228,000 against the Smiths. On 15 July 2005, the Garnocks and the Luffs agreed to buy Wanaka from the Smiths for $1,000,000. Settlement was to take place at 2pm on 24 August 2005. The day before settlement, the accountants obtained a writ of execution against the farm in the District Court. Under this writ the Sheriff was empowered to sell the property to pay the judgment debt. The writ was recorded in the Torrens register at 11.53am on the settlement day. The purchasers’ solicitors did a final title search on the morning of the settlement day but prior to the registration of the writ. The purchasers, who were therefore unaware of the registration of the writ, paid the balance of the purchase price and settlement proceeded at 2pm on that same day. However the purchasers were unable to have the transfer of the land registered in their names because of the earlier registration of the writ on the same day. So the buyers had paid over the full purchase price for the land but could not be registered as the owners of it. The Decision The Garnocks and Luffs began proceedings in the Supreme Court of NSW to prevent (by injunction) the accountants and the Sheriff from executing the writ and selling the land. The case went all the way to the High Court where by a 3-2 majority, it was held that the writ took priority of the purchase because it was registered before the attempted registration of the sale to the purchasers. It was held to be irrelevant that the date the contract for sale of the land was exchanged was prior to the date of the issue of the writ. In the end, the purchasers had to pay the Smiths’ judgment debt to the accountants so that they would withdraw their writ to allow the transfer of the land to be registered. It did not matter that the accountants knew about the sale. They had not acted deceptively. The point is that the Torrens system is a system of title by registration and the accountants had registered their interest in the land ahead of the purchasers’ interest in it. Even though this might seem very unfair the point is that the purchasers could have safeguarded against this scenario by lodging a caveat upon exchange of contracts. This would have prevented the registration of the writ. Re: M & C's First Build with HGWA - Eglinton 40May 31, 2017 11:29 am echo_base m0llss Madora Dreamer What is it for? I settle my land on the 13rh. Prestart done and signed off today too. I'm not exactly sure, a letter from my settlement agent essentially just says it covers any defects or things that were unknown when titles were transferred... its not very clear which is why I wanted further clarification but it's $299 Did your letter from the settlement agent ask for title insurance? ainst (Sorry for long post!) It's a bit complicated, but land title in Australia operates under the Torrens system whereby government agencies are supposed to provide absolute assurance to the process of selling and buying interests in land. The system was developed here in Australia and is used quite a bit around the world. Before the Torrens system was introduced, land transactions were managed under a series of common law rules. There was a lot of uncertainty about who held valid title to land (chain of title problems) and Torrens was supposed to address this. But Torrens isn't perfect and mistakes can be made. Title insurance is intended to protect against those mistakes, by compensating a policy holder for losses suffered as a result of those mistakes. There's a whole bunch of other things title insurance *should* also protect against. Parties in a famous case in 2007 (Black v Garnock) probably would have benefited from title insurance: The Facts The Smiths owned “Wanaka”, a 1600-acre farm property near Bombala in Southern NSW. The Smiths owed money to Mr. Black, Mr. Chapman and Mr. Carter, a firm of accountants. In September 2004, the accountants obtained a judgment in the District Court of NSW for $228,000 against the Smiths. On 15 July 2005, the Garnocks and the Luffs agreed to buy Wanaka from the Smiths for $1,000,000. Settlement was to take place at 2pm on 24 August 2005. The day before settlement, the accountants obtained a writ of execution against the farm in the District Court. Under this writ the Sheriff was empowered to sell the property to pay the judgment debt. The writ was recorded in the Torrens register at 11.53am on the settlement day. The purchasers’ solicitors did a final title search on the morning of the settlement day but prior to the registration of the writ. The purchasers, who were therefore unaware of the registration of the writ, paid the balance of the purchase price and settlement proceeded at 2pm on that same day. However the purchasers were unable to have the transfer of the land registered in their names because of the earlier registration of the writ on the same day. So the buyers had paid over the full purchase price for the land but could not be registered as the owners of it. The Decision The Garnocks and Luffs began proceedings in the Supreme Court of NSW to prevent (by injunction) the accountants and the Sheriff from executing the writ and selling the land. The case went all the way to the High Court where by a 3-2 majority, it was held that the writ took priority of the purchase because it was registered before the attempted registration of the sale to the purchasers. It was held to be irrelevant that the date the contract for sale of the land was exchanged was prior to the date of the issue of the writ. In the end, the purchasers had to pay the Smiths’ judgment debt to the accountants so that they would withdraw their writ to allow the transfer of the land to be registered. It did not matter that the accountants knew about the sale. They had not acted deceptively. The point is that the Torrens system is a system of title by registration and the accountants had registered their interest in the land ahead of the purchasers’ interest in it. Even though this might seem very unfair the point is that the purchasers could have safeguarded against this scenario by lodging a caveat upon exchange of contracts. This would have prevented the registration of the writ. Wow okay that makes more sense then!! Think that's helped my decision, it's not very much money for the things it can protect against. Thanks for that hi guys. Please be nice. First time home builder in Qld. I would like some feedback please on whether I should build my granny flat first before my main house at the… 0 4587 So it looks like we finally have some movement on site! Definitely later than expected, but I'll take any progress at this point. I'll drop by over the weekend to get… 5 27706 Thank you so much everyone. This all makes a lot of sense. I guess when you talk to a builder who butters up everything to look very polished, you get to start believing… 7 17591 |