Chronology of our Home Buying Experience


Written by: Rommel Talavera Pascual ,Last Updated - 2 September 1996, Wentworthville - NSW,Australia 2145

Sometime around early 1995, we were mildly contemplating on making the big move into buying a house. We hit the books and began planning on how we could hurdle the big "D" - deposit. We began by paying off and cutting into half most of our Credit Cards.

We also scrambled to pay off the car then, had it re-financed to consolidate all other outstanding debt and made it into just one small monthly repayment. This left us with little money, just enough to get into a "save while you build" scheme with the bank.

The start of our house hunting was incidental rather than planned. It began when we saw a for sale sign on a house in Drysdale Crescent, Plumpton - a few blocks away from the house of our friend - Luisa and Victor Atienza. The agent, Century 21 showed us a very elegant 15 month old 3-bedroom home with bay windows at the family room. Our hearts, however, were set to have a spacious 4-bedroom home for the price that they were asking.

The agent later on called back to tell us that Westminster Homes has a "house and land" package for a 3-bedroom home within our price range. The design could easily allow a 4th bedroom to be added. This idea stayed at the back of my mind until one day we were invited to the opening of the display homes in Parklea. It was here where we saw the "Botany" design of Westminster Homes. The design was so sound, it became our basis in comparing other designs.


Here's a brief history :

30 Jul 1995 - Placed a $100 deposit on a house and land package with 
              Westminster Homes. The house is still about to be built
              in Armitage Drive, Glendenning. It was a 3-bedroom 
              villa home, with a 4th bedroom option.

03 Aug 1995 - Opened an account with St. George Bank.

14 Aug 1995 - Transferred our $100 deposit to Lot 9 Ahmet Court in 
              Oakhurst. Westminster Homes discouraged us to buy into 
              the Villa Homes and suggested properties within the 
              Glendenning - Oakhurst area.

15 Aug 1995 - Pioneer Homes submitted a tender to build the "Monarch",
              a 4-bedroom home for Lot 9 Ahmet Court. Jeanne fell 
              in-love with the kitchen design. We made the mistake of 
              placing a deposit for it.

16 Aug 1995 - Westminster Home submitted a tender to build a "Botany" 
              design on Lot 9.

19 Aug 1995 - Transferred the deposit to Lot 11. For the same price, 
              Lot 11 is situated on higher ground and about 100 square 
              meters wider than Lot 9.

20 Aug 1995 - We spent the morning with A.V.Jennings looking through 
              all the designs of their Break-Away Series. We gave it a 
              hard look but none of their designs caught our fancy.

22 Aug 1995 - Closed our account in St. George Bank because of a very
              arrogant loan agent. We also sent a curt letter to the 
              bank, protesting about the arrogance of their 
              representative. They only refunded part of our loan 
              application. We will never subscribe to that bank again.

23 Aug 1995 - Applied for a Home Loan with Advance Bank through 
              Standard Mortgage.

01 Sep 1995 - Exchanged contract with Yalkin Shevket for the purchase 
              of Lot 11 Ahmet Court, Oakhurst. Conveyancing was 
              handled by Atty. Ted Gonzales - a Baguio born solicitor
              here in Sydney.

04 Sep 1995 - Advance Bank approved our home loan.

14 Sep 1995 - The Pascual Family took a vacation to Melbourne. The 
              house hunting is taking a toll on us, often times 
              resulting to heated arguments. Manang Helen and friends, 
              were not much help. We have settled to build a basic home, 
              they however, urged us to include a Rumpus Room. When we 
              came back to Sydney, we stopped looking at the cut price 
              homes and decided to evaluate proposals with better 
              inclusions and quality.

28 Sep 1995 - Rosewood Homes submitted a proposal to build the 
              "Lavender" design, a very classy Victorian design at a 
              project home price.

              Rosewood Homes is a family owned building firm, well 
              known for their workmanship.

29 Sep 1995 - Allworth Homes submitted a tender to build a 4-bedroom 
              "Fiesta Series I". The designs of this builder can be 
              characterised by generous living areas.

29 Sep 1995 - Beechwood Homes submitted a proposal to build a 
              5-bedroom home. The design is a derivative from their 
              "Sussex" series and called it "Glenbrook".
 
              We have always avoided the display homes of Beechwood 
              in the past because they are just too darn beautiful and 
              expensive looking. Each design is characterised by 
              attractive bay-windows and sensible fittings.
              
              The value per square meter of living space was reasonable 
              and besides, Jeanne was already fixated in having double 
              bay windows. One set is in the rumpus room and the other 
              in the formal dining area.

15 Oct 1995 - Paid the Stamp Duty for the purchase of the land.

25 Jan 1996 - Sale of Lot 11 Ahmet Court was concluded. It was 
              officially in our name but the title remains in the 
              custody of Advance Bank.

16 Feb 1996 - Tender of Beechwood Homes re-dated to 8 Dec. 1995. This 
              means more money to pay. :-(

17 Feb 1996 - Contract with Lockwood Carpets signed.

06 Mar 1996 - Building Agreement was signed with Beechwood Homes to 
              build the 5-bedroom Glenbrook design in our property. We 
              spent a whole day at the Beechwood main office in 
              Liverpool, to finalize the colour selections.

26 Mar 1996 - Rommel Pascual became an Australian citizen. At the same 
              time, the first excavation was done on our property. 
              Soil fill were put in place in preparation for the 
              concrete slab. This marked the beginning of the 
              construction.

30 Mar 1996 - Contract with Westside Ceramics was finalised for the 
              supply of tiles, for the bathrooms, laundry, kitchen and 
              passage threshold.

14 Apr 1996 - Exactly 44 holes of piers, spanning 51.4 linear meters 
              were drilled in the ground.

15 Apr 1996 - Concrete was poured on the piers.

26 Apr 1996 - Formwork for the concrete slab was put in place.

19 May 1996 - Concrete was poured on the formwork building the slab. 
              The weather is overcast and there was rain in the evening. 
              This condition is perfect for a slow drying of concrete.

20 May 1996 - Integral Energy installed a three-phase line from the 
              power source to the service entry. Although our main line 
              is single phase, the three phase is a provision should
              we decide to install central air-conditioning.

23 May 1996 - Contracted Sentinel Alarm Systems.

24 May 1996 - Stormwater drainage and sewer connection was placed, 
              opening a 1 metre wide by 1 metre deep trench around 
              the slab work. 

28 May 1996 - Telstra installed a pipe connecting the telephone 
              switchbox through the open trench to the service entry of 
              the house.

07 Jun 1996 - The trench was closed and the frame of the house went-up.

09 Jun 1996 - The remaining pile of dirt from the excavation was hauled 
              out of our property. It cost us an extra $300 to dispose
              18 tons of soil. 

10 Jun 1996 - Public Holiday (Queen's Birthday) but work was done on the 
              house - anyway. The roof trusses went-up.

11 Jun 1996 - Weather is overcast. The roof trusses were completed and 
              all windows were installed. With the exception of the 
              window in the garage (which will wait for the brickwork) 
              and the sliding doors at the family room.

13 Jun 1996 - It's been raining in Sydney, we visited the construction 
              yesterday but there were no improvements. Today, the 
              gutters and the fascia were installed. The colour of the 
              gutter is heritage red and the fascia is smooth creme.

14 Jun 1996 - The plumbing and the gas pipes were installed.

18 Jun 1996 - The bricks were delivered. Previous days had been rainy 
              and the construction site has been very muddy. The 
              delivery truck had to leave our bricks in the less 
              muddy part of Lot 15. We also tried cleaning up some mud 
              inside the house but it was too hard, specially that 
              we're doing the cleaning in the dark. 

22 Jun 1996 - After 3 days of fine weather, the land was dry enough. The 
              bricks were transferred to our front yard.

23 Jun 1996 - The bricks were blended and distributed around the house.

24 Jun 1996 - The first two levels of bricks was placed.

26 Jun 1996 - The Termi-Mesh is set in place. This is a stainless steel 
              mesh which is sandwich between the second and third layer
              of bricks. This is a new technology to prevent termites from
              creating havoc to the framework of the house. It was developed
              by CSIRO.

              The garage wall is now up and the window was set in place. The
              sliding door on family room was also installed.

27 Jun 1996 - The front walls are beginning to shape-up. The brick layers 
              told me that the Rockface bricks were more difficult to set.
              These bricks are naturally hard and are therefore more 
              difficult break for those off-cut corners.

 5 Jul 1996 - The roof tiles were delivered. There were 10 piles and the 11th 
              are the corners and ridges. The brickwork is almost done, bricks 
              are still to be laid on the back of the fourth bedroom and 
              underneath the windows.

              The telephone was also pre-wired. There were 12 extensions 
              around the house, each having upto 4 numbers. We would, however,
              use only 2, thus there would be as much as 24 outlets.

 9 Jul 1996 - The roof was started yesterday and finished by mid-day today.

              I pre-wired the 8 TV antenna points and the alarms were also
              pre-wired by Sentinel Alarms.

10 Jul 1996 - The plasterboards and the cornices were delivered. I also had
              to make a quick re-selection of the threshold tiles as our
              previous selection was discontinued.

11 Jul 1996 - A fleet of builders stormed the house. The electricians pre-
              wired the house, the brick layers are doing the final touches,
              the carpenters started doing the eaves and the bathrooms are
              now being waterproofed.

12 Jul 1996 - The eaves were fitted with weather boards and the wall 
              insulation were installed.

13 Jul 1996 - The brickwork were cleaned using acid and a high pressure 
              water hose.

23 Jul 1996 - Work resumed today after the council inspected the frame of the
              house. About 50% of the plasterboards are installed today. 
              
              The roof ridges were also sealed today with cement.

25 Jul 1996 - Lock-up stage. The entry doors were installed and locked. From 
              this day onwards - only authorised people can enter the house
              legally :-)

30 Jul 1996 - Carpentry started. This will cover all woodworks around doors
              and windows, skirtings and shelvings, except the kitchen 
              which is manufactured by another company.

              There was only one carpenter. He has 40 years of experience
              and does everything manually. No power saws or pneumatic
              nail guns, just an old fashioned hammer and rip saw.

31 Jul 1996 - The vanity cupboards and laundry sink was installed. All 
              Colourbond gutters were also installed.

 1 Aug 1996 - The kitchen was installed but it was 50 mm longer than 
              expected. They will have to make adjustments.

 3 Aug 1996 - The cornices is also installed by another contractor, who
              is 20 years in the business. 

 6 Aug 1996 - The Statesman Panel Lift garage doors is installed and all
              electrical fixtures completed.

 7 Aug 1996 - Bathroom,Kitchen and Laundry tiles were started.

14 Aug 1996 - Painting of the house started. It will take approximately 
              10 days to finish.

16 Aug 1996 - The shower screens have been set.

19 Aug 1996 - The pebble crete finish at the veranda is set.

28 Aug 1996 - Final Inspection.

 2 Sep 1996 - Exactly One Year and a day after we bought the land, we got 
              the keys to the house. Today marks our settlement day.

Last Updated : 2 September 1996, Wentworthville - NSW,Australia