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  1. #31
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    Quote Originally Posted by JustJaq View Post
    If there's a pool, maybe pool inspector too? If it's leaking, i bet it can be eyewateringly expensive to fix.
    Definately if there is a pool. When I bought my place all the equipment was fine. When I moved in I had a green pool the colour of grapevine leaves. I contacted the re agent and said they knew and the owner said they had fixed and replaced it. Yeah right. So he got in contact with them only to find they had changed numbers. In the end I had to pay for a new pump and sand filter. I was soo peeved off. Cost was around $2200 to do it all as it needed to be half drained fill back up. Had to pay someone to do it all which wasn't cheap at all

  2. #32
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    if there are extensions - definitely check witht he council that they have been approved. And ask when the last pool fence inspection was done, and make sure that its up to code.

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    When we bought I went into the council to go through the file myself and check everything was in there, the pool had not been certified and our contract was subject to council inspection of the pool. When we moved in alterations had been made to the pool fence bringing it up to code.

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    Part of the contract includes a council inspection to ensure the pool is up to code.

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    Quote Originally Posted by DesperatelySeekingSleep View Post
    Part of the contract includes a council inspection to ensure the pool is up to code.
    Make sure you can get an estimate of how old the equipment is

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    OK, what is title insurance? We have been offered it (should our finance finally get approved) and I'm not sure if it's the same thing as house insurance or mortgage insurance. From what I can gather it's a safety net of sorts should there be any hidden nasties we didn't know about. Eg illegal extensions that weren't picked up at settlement etc, unregistered modifications such as (now get this) turning a room from one purpose to another eg a store room to a bedroom and it's meant to cover any hidden nasties associated with it.

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    I don't think you need it - it's to cover bank mistakes, not checking title, illegal extensions or surveying problems but it's rare here as our banking and land titles office are very thorough (not like in the USA) and if you think an extension is illegal or your boundaries are not defined your solicitor should check all that first - from my knowledge it's just a once off fee (because they would rarely have any one claim) so it shouldn't be expensive but that's because I don't think it's necessary - just check with your solicitor (I think there is only a couple of companies that even offer it!)

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  9. #38
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    yeah its interesting. IMO its just another way of insurance companies getting money out of you. I have never heard of anyone actually getting paid a claim for it ... as any kind of dodgy issue like that should have been covered at settlement anyway.

    It essentially covers you from a claim that the seller didnt have the legal right to sell the property, as well as illegal structures etc.

    this is quite a good explanation of what it is - http://www.marioborg.com.au/title-insurance-what-is-it-and-do-i-need-it/


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    Oh interesting - never heard of it. Wish we got it....

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    OK..

    How often should a mortgage broker be in touch, or touch base?

    We are passing important dates without a word from ours and the only time we get an update is if we ask for one, for which we are then told it's all good, it's all good I'll let you know when I hear anything.. It's OK..

    He seems to be doing a great job being the scenes and working wonders but we just aren't being updated at all. We got told we should hear something by Friday a week ago. Today this week I decide to email him to see if there are any updates. He said the bank have concerns about income and equity and that he would talk to the bank the next day. The next came and we got a call from a valuer after we had been told we were done with evaluations.

    So we have no idea what the deal is. What was the evaluation going to prove? Did the final decision depend on the eval? We also got a random call today from income insurance on the recommendation of the broker. Why? Is the loan dependent on us getting that? How often is he in contact with the bank? Does he know what's going on himself? This is turning into a vent now..

    I'm so frustrated and angry I'm going to end up doing something I'll regret like giving him a negative review on Facebook just to get his attention.

    In the mean time we have the paperwork for settlement just sitting here waiting to be filled out if finance gets approved.

    Can't deal with it right now.


 

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