60k House under construction

The Finance

Andrew Kerrby author page

1,901 comments About

Bargain!

I purchased the block of land in 2009 for only $75,000. It wasn’t on the market for long. My parents had wanted to buy the block and planned to retire there but didn’t have the money, so I bought it with the intention they may still move there later. I don’t know much about financial planning or investment but it seemed like a good buy. Soon after buying the block it was officially valued by the State Government at $150,000 – it had doubled in value in only a couple of months! This justified the feeling I had scored a bargain.

 

My new neighbour bought the large block next to mine and offered me even more money to buy my block. The offer was very tempting, especially for such a quick turnaround, then I discovered I would have to pay capital gains tax – a hefty 50% of the profit. And besides – where would I find another beautiful piece of land for even twice the money?

Death and taxes

My last remaining grandparent passed away earlier this year – after the 60k House project had begun but before we had started building. The modest inheritance I received will go towards the connection of services, buying appliances/whitegoods and ease any financial pressure – a contingency if the budget runs over a bit (it’s always good to have a little bit extra tucked away just in case).

 

Land Tax is a state government levy placed on all properties in Tasmania that is not your principal place of residence or used for primary industry (growing fruit & vegies or farming animals). The increased valuation for my block led to an increase in Land Tax I had to pay – around $750 per year.

 

Council Rates is a local government levy placed on all properties to provide services, such as rubbish collection. There is no rubbish collection in Flowerpot. Rates also fund other services. The rates for my block were around $500 per year.

 

So here I was throwing $1,250 a year in fees (land tax and rates) for the pleasure of owning a bush block – and not getting anything in return. It would cost me around $12,500 over the next 10 years NOT to build a house. Hmmm…

Government grants

The First Home Owner Grant (FHOG) scheme was introduced on 1 July 2000 to offset the effect of the GST on home ownership. It was a national scheme that was funded and administered by each state and territory. Under the scheme the usual payment was $7,000 if you purchased your first home.

 

The First Home Builders Boost (FHBB) was introduced in Tasmania for buying or building new homes to stimulate the building industry and address a housing shortage. At first it was worth an additional $8,000 (total $15,000), but after a slow uptake it was raised to $30,000 in November 2013 for anyone who built or bought a new house. This increased government grant would stay in effect for 13 months – until the end of 2014.

 

I had always thought that one day I would get around to building something on my block, some day. The fast approaching winding back of the (FHBB) prompted me to seriously think about building. Now I had a deadline – and that deadline was December 30, 2014.

Money talk

I met with my bank and discussed ‘finance’ (pre-approval to extend the mortgage on my block so I could build a house). I had been paying off my mortgage much quicker than the minimum monthly repayments. This is a good way to reduce the overall interest you pay over the life of the mortgage (have it paid off quicker); build ‘equity’ (what you own, not the bank) in the property; and demonstrate your ability to save money.

 

There are various home loans and finance options available – it is best to talk through them with your bank, and even shop around to ensure you get the best deal that suits your needs. After some initial discussions, followed by misunderstanding, I was able to secure a mortgage that grants me access to the money I have borrowed so I am able to pay for materials and trades directly.

 

There’s a lot to be said about being able to sleep easily at night not having to worry about a mammoth mortgage hanging over your head. I don’t know why people do it. It’s not something I’m interested in – I prefer to live with freedom and flexibility.

Christmas Cheer

On December 23, 2014 (yep – two days before Christmas and eight days before the end of the year) I signed a contract with a builder to build $60k House. It seems I got in at the right moment, just in the nick of time. The first condition for retaining the FHBB was to commence building within 26 weeks of the date of the contract, meaning we had to have the concrete slab poured by June 23, 2015, hence the stress surrounding getting the slab done on time (see previous construction posts).

 

* The current FHBB is worth $20,000 and has been extended to 31 December 2015, after which it will be further wound back to $10,000. Get in quick!

 

Disclaimer: Any advice contained within this blog is of a general nature only and cannot be relied upon. Details provided are in good faith and relate specifically to this project. Any author will not be held responsible for advice or information presented.

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  537. An outstanding share! I’ve just forwarded this onto a friend who was doing a little research on this. And he actually bought me breakfast because I discovered it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanks for spending some time to talk about this issue here on your website.

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  539. I have come to understand that fees for internet degree pros tend to be an awesome value. For instance a full Bachelors Degree in Communication in the University of Phoenix Online consists of Sixty credits at $515/credit or $30,900. Also American Intercontinental University Online gives a Bachelors of Business Administration with a complete school requirement of 180 units and a cost of $30,560. Online degree learning has made obtaining your college diploma much simpler because you can certainly earn your own degree through the comfort of your home and when you finish from work. Thanks for all the other tips I have certainly learned from your web site.

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  561. I have observed that over the course of building a relationship with real estate proprietors, you’ll be able to get them to understand that, in every single real estate purchase, a commission rate is paid. All things considered, FSBO sellers never “save” the commission. Rather, they struggle to win the commission by doing a good agent’s task. In this, they commit their money plus time to complete, as best they are able to, the assignments of an real estate agent. Those tasks include disclosing the home through marketing, delivering the home to prospective buyers, constructing a sense of buyer emergency in order to prompt an offer, booking home inspections, managing qualification check ups with the loan company, supervising maintenance, and facilitating the closing of the deal.

  562. Thanks for your handy post. Through the years, I have come to understand that the symptoms of mesothelioma are caused by your build up associated fluid between the lining of the lung and the torso cavity. The ailment may start inside the chest vicinity and get distributed to other parts of the body. Other symptoms of pleural mesothelioma include fat reduction, severe breathing in trouble, nausea, difficulty taking in food, and swelling of the neck and face areas. It really should be noted that some people existing with the disease do not experience every serious symptoms at all.

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  568. One more thing I would like to state is that in lieu of trying to fit all your online degree training on days of the week that you conclude work (as most people are worn out when they get home), try to receive most of your instructional classes on the weekends and only 1 or 2 courses in weekdays, even if it means a little time off your weekend break. This is beneficial because on the saturdays and sundays, you will be a lot more rested along with concentrated on school work. Thanks for the different tips I have realized from your web site.

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  577. Thanks for the helpful article. It is also my opinion that mesothelioma has an particularly long latency time period, which means that symptoms of the disease might not emerge until finally 30 to 50 years after the primary exposure to asbestos fiber. Pleural mesothelioma, that is the most common type and impacts the area throughout the lungs, could cause shortness of breath, chest muscles pains, and also a persistent cough, which may bring about coughing up our blood.

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  581. I have really learned result-oriented things from your blog post. One other thing I have discovered is that typically, FSBO sellers will certainly reject you actually. Remember, they would prefer never to use your expert services. But if you actually maintain a gentle, professional relationship, offering assistance and keeping contact for four to five weeks, you will usually be capable to win a discussion. From there, a house listing follows. Cheers

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  586. When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three emails with the same comment. Is there any way you can remove people from that service? Thanks a lot!|

  587. An impressive share! I have just forwarded this onto a friend who has been doing a little research on this. And he actually bought me lunch due to the fact that I discovered it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanks for spending time to discuss this matter here on your web page.|

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  605. Also I believe that mesothelioma is a rare form of cancer malignancy that is often found in these previously familiar with asbestos. Cancerous cellular material form in the mesothelium, which is a defensive lining that covers a lot of the body’s internal organs. These cells usually form in the lining of the lungs, belly, or the sac which actually encircles one’s heart. Thanks for discussing your ideas.

  606. Hey! I understand this is sort of off-topic but I needed to ask. Does operating a well-established blog like yours take a massive amount work? I am completely new to running a blog but I do write in my diary every day. I’d like to start a blog so I can easily share my personal experience and thoughts online. Please let me know if you have any kind of ideas or tips for new aspiring bloggers. Thankyou!|

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  610. I have realized that over the course of making a relationship with real estate proprietors, you’ll be able to get them to understand that, in most real estate exchange, a payment is paid. In the end, FSBO sellers tend not to “save” the payment. Rather, they try to earn the commission by way of doing the agent’s occupation. In the process, they expend their money and also time to conduct, as best they are able to, the jobs of an realtor. Those assignments include getting known the home through marketing, introducing the home to all buyers, developing a sense of buyer desperation in order to induce an offer, preparing home inspections, handling qualification assessments with the loan company, supervising fixes, and aiding the closing of the deal.

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  615. Thanks for the something totally new you have uncovered in your blog post. One thing I’d like to reply to is that FSBO interactions are built eventually. By releasing yourself to owners the first few days their FSBO is definitely announced, ahead of the masses start calling on Monday, you create a good relationship. By giving them methods, educational products, free reports, and forms, you become a good ally. By subtracting a personal desire for them and also their problem, you build a solid network that, oftentimes, pays off in the event the owners decide to go with an agent they know and also trust — preferably you.

  616. okmark your weblog and check again here frequently. I am quite certain I will learn a lot of new stuff right here! Best of luck for the next!

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