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Buying house and lot package

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waraywaray SydneyTotal Reaction Points: 10Member
Hi guys! I hope you can give some advice, recommend agents, and share other information (e.g. home loan application, your trusted bank, etc.) on buying house and lot packages here in Melbourne. Thank you in advance!
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  • waraywaray SydneyTotal Reaction Points: 10Member
    Posts: 35
  • waraywaray SydneyTotal Reaction Points: 10Member
    Posts: 35
  • waraywaray SydneyTotal Reaction Points: 10Member
    Posts: 35
  • jayrcorneliojayrcornelio MelbourneTotal Reaction Points: 1Member
    Posts: 22
    sir, new migrants po kami. melbourne yung punta namin this Oct. ano po ba proceso para mka bili ng bahay? nabasa ko meron daw grant yung bagong buyer. magkano po ang grant? maghahanap pa po kami ng trbaho pag dating dyan. ano po bang advice nyo? salamat
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  • vhoythoyvhoythoy MelbourneTotal Reaction Points: 200Member, Moderator
    Posts: 1,538
    Any idea how much ung pera na need in pesos para may pang downpayment sa isang average house/lot sa Melbourne?
    ANZSCO 221214 - Internal Auditor
    19 Jan 13 - Academic IELTS Results - passed
    12 July 13 - Vetassess Assessment + Point Test Advice: Positive
    03 Nov 13 - Invitation Accepted 70 points
    19 Dec 13 - Lodged Visa 189
    07 Feb 14 - Visa Granted
    04 Aug 14 - Initial Entry Date requirement
    26 July 14 - Actual IED to Melbourne
    May 2015 - Big Move
    June 2015 - Got a permanent role in Melbourne
    Apr 2016 - Got a contract consultancy role in Melbourne
    May 2016 - Got permanent role and moved to Toowooba, Queensland

    And now...... living the life that i have imagined

    "A great photograph is one that fully expresses what one feels, in the deepest sense, about what is being photographed" - Ansel Adams

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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    edited September 2014 Posts: 4,301
    Any idea how much ung pera na need in pesos para may pang downpayment sa isang average house/lot sa Melbourne?
    At Php40 - $1

    Sabihin natin na nasa $500K ang bahay sa nagustuhan mo - this would mean a cost of Php20 million ang cost ng bahay mo.

    Minimum downpayment would be $25K or Php1 million - this would entail an LMI of $15,722 or Php628,880 (luckily some backs may allow you to include the LMI as part of the loan)

    Or if you want to do away with an LMI - kailangan mo ng 20% down or Php4 million

    Plus meron pa stamp duties, conveyancing, building and pest inspection, cost of moving your stuffs, appliances for the new home - this would be around another 5% din of $25K or Php1 million. The biggest expense here would be the stamp duties - luckily, first home buyer will get concession of around 50%. And if you buy a new house ata, there will be $10K First Home Owners Grant (FHOG)

    More or less, 2 million pesos on a $500K house.

    ** your mileage may vary from the hypothetical case above **
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
    vhoythoy
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    Posts: 4,301
    sir, new migrants po kami. melbourne yung punta namin this Oct. ano po ba proceso para mka bili ng bahay? nabasa ko meron daw grant yung bagong buyer. magkano po ang grant? maghahanap pa po kami ng trbaho pag dating dyan. ano po bang advice nyo? salamat
    $10K FHOG if you buy a brand new home plus 50% rebate on stamp duty.
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • vhoythoyvhoythoy MelbourneTotal Reaction Points: 200Member, Moderator
    Posts: 1,538
    Any idea how much ung pera na need in pesos para may pang downpayment sa isang average house/lot sa Melbourne?


    At Php40 - $1

    Sabihin natin na nasa $500K ang bahay sa nagustuhan mo - this would mean a cost of Php20 million ang cost ng bahay mo.

    Minimum downpayment would be $25K or Php1 million - this would entail an LMI of $15,722 or Php628,880 (luckily some backs may allow you to include the LMI as part of the loan)

    Or if you want to do away with an LMI - kailangan mo ng 20% down or Php4 million

    Plus meron pa stamp duties, conveyancing, building and pest inspection, cost of moving your stuffs, appliances for the new home - this would be around another 5% din of $25K or Php1 million. The biggest expense here would be the stamp duties - luckily, first home buyer will get concession of around 50%. And if you buy a new house ata, there will be $10K First Home Owners Grant (FHOG)

    More or less, 2 million pesos on a $500K house.

    ** your mileage may vary from the hypothetical case above **
    OK. So "Minimum downpayment would be $25K or Php1 million - this would entail an LMI of $15,722 or Php628,880". How about if DP mo is Php2M how much yung LMI? Kailangan na talaga pagipunan. A $500k house is medyo ok na din ano kahit paano. Need na talaga magipon ipon. Ilang taon kaya ako bago maka 2M sa Australia =)
    ANZSCO 221214 - Internal Auditor
    19 Jan 13 - Academic IELTS Results - passed
    12 July 13 - Vetassess Assessment + Point Test Advice: Positive
    03 Nov 13 - Invitation Accepted 70 points
    19 Dec 13 - Lodged Visa 189
    07 Feb 14 - Visa Granted
    04 Aug 14 - Initial Entry Date requirement
    26 July 14 - Actual IED to Melbourne
    May 2015 - Big Move
    June 2015 - Got a permanent role in Melbourne
    Apr 2016 - Got a contract consultancy role in Melbourne
    May 2016 - Got permanent role and moved to Toowooba, Queensland

    And now...... living the life that i have imagined

    "A great photograph is one that fully expresses what one feels, in the deepest sense, about what is being photographed" - Ansel Adams

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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    Posts: 4,301
    Any idea how much ung pera na need in pesos para may pang downpayment sa isang average house/lot sa Melbourne?


    At Php40 - $1

    Sabihin natin na nasa $500K ang bahay sa nagustuhan mo - this would mean a cost of Php20 million ang cost ng bahay mo.

    Minimum downpayment would be $25K or Php1 million - this would entail an LMI of $15,722 or Php628,880 (luckily some backs may allow you to include the LMI as part of the loan)

    Or if you want to do away with an LMI - kailangan mo ng 20% down or Php4 million

    Plus meron pa stamp duties, conveyancing, building and pest inspection, cost of moving your stuffs, appliances for the new home - this would be around another 5% din of $25K or Php1 million. The biggest expense here would be the stamp duties - luckily, first home buyer will get concession of around 50%. And if you buy a new house ata, there will be $10K First Home Owners Grant (FHOG)

    More or less, 2 million pesos on a $500K house.

    ** your mileage may vary from the hypothetical case above **


    OK. So "Minimum downpayment would be $25K or Php1 million - this would entail an LMI of $15,722 or Php628,880". How about if DP mo is Php2M how much yung LMI? Kailangan na talaga pagipunan. A $500k house is medyo ok na din ano kahit paano. Need na talaga magipon ipon. Ilang taon kaya ako bago maka 2M sa Australia =)
    Kaya mo iyan pre! you have been there in SG for a while... :)
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
    vhoythoy
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  • vhoythoyvhoythoy MelbourneTotal Reaction Points: 200Member, Moderator
    edited September 2014 Posts: 1,538
    Any idea how much ung pera na need in pesos para may pang downpayment sa isang average house/lot sa Melbourne?


    At Php40 - $1

    Sabihin natin na nasa $500K ang bahay sa nagustuhan mo - this would mean a cost of Php20 million ang cost ng bahay mo.

    Minimum downpayment would be $25K or Php1 million - this would entail an LMI of $15,722 or Php628,880 (luckily some backs may allow you to include the LMI as part of the loan)

    Or if you want to do away with an LMI - kailangan mo ng 20% down or Php4 million

    Plus meron pa stamp duties, conveyancing, building and pest inspection, cost of moving your stuffs, appliances for the new home - this would be around another 5% din of $25K or Php1 million. The biggest expense here would be the stamp duties - luckily, first home buyer will get concession of around 50%. And if you buy a new house ata, there will be $10K First Home Owners Grant (FHOG)

    More or less, 2 million pesos on a $500K house.

    ** your mileage may vary from the hypothetical case above **


    OK. So "Minimum downpayment would be $25K or Php1 million - this would entail an LMI of $15,722 or Php628,880". How about if DP mo is Php2M how much yung LMI? Kailangan na talaga pagipunan. A $500k house is medyo ok na din ano kahit paano. Need na talaga magipon ipon. Ilang taon kaya ako bago maka 2M sa Australia =)


    Kaya mo iyan pre! you have been there in SG for a while... :)
    I need to target that 20% DP para mas lower ang monthly amortisation at maiwasan ang LMI. Malupet na Financial planning ang kailangan neto haha
    ANZSCO 221214 - Internal Auditor
    19 Jan 13 - Academic IELTS Results - passed
    12 July 13 - Vetassess Assessment + Point Test Advice: Positive
    03 Nov 13 - Invitation Accepted 70 points
    19 Dec 13 - Lodged Visa 189
    07 Feb 14 - Visa Granted
    04 Aug 14 - Initial Entry Date requirement
    26 July 14 - Actual IED to Melbourne
    May 2015 - Big Move
    June 2015 - Got a permanent role in Melbourne
    Apr 2016 - Got a contract consultancy role in Melbourne
    May 2016 - Got permanent role and moved to Toowooba, Queensland

    And now...... living the life that i have imagined

    "A great photograph is one that fully expresses what one feels, in the deepest sense, about what is being photographed" - Ansel Adams

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  • jayrcorneliojayrcornelio MelbourneTotal Reaction Points: 1Member
    Posts: 22
    @TasBurrfoot thank you sir sa paliwanag. based sa breakdown mo po, magkano kaya ang monthly amortization if ever 500K yung bahay na bibilhin mo?
    tinayOZ
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    edited September 2014 Posts: 4,301
    @TasBurrfoot thank you sir sa paliwanag. based sa breakdown mo po, magkano kaya ang monthly amortization if ever 500K yung bahay na bibilhin mo?
    that depends on how much is your DP and what is your loan interest rate... once you know that, google mo nalang mortgage calculator.
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    Posts: 4,301
    Any idea how much ung pera na need in pesos para may pang downpayment sa isang average house/lot sa Melbourne?


    At Php40 - $1

    Sabihin natin na nasa $500K ang bahay sa nagustuhan mo - this would mean a cost of Php20 million ang cost ng bahay mo.

    Minimum downpayment would be $25K or Php1 million - this would entail an LMI of $15,722 or Php628,880 (luckily some backs may allow you to include the LMI as part of the loan)

    Or if you want to do away with an LMI - kailangan mo ng 20% down or Php4 million

    Plus meron pa stamp duties, conveyancing, building and pest inspection, cost of moving your stuffs, appliances for the new home - this would be around another 5% din of $25K or Php1 million. The biggest expense here would be the stamp duties - luckily, first home buyer will get concession of around 50%. And if you buy a new house ata, there will be $10K First Home Owners Grant (FHOG)

    More or less, 2 million pesos on a $500K house.

    ** your mileage may vary from the hypothetical case above **


    OK. So "Minimum downpayment would be $25K or Php1 million - this would entail an LMI of $15,722 or Php628,880". How about if DP mo is Php2M how much yung LMI? Kailangan na talaga pagipunan. A $500k house is medyo ok na din ano kahit paano. Need na talaga magipon ipon. Ilang taon kaya ako bago maka 2M sa Australia =)


    Kaya mo iyan pre! you have been there in SG for a while... :)


    I need to target that 20% DP para mas lower ang monthly amortisation at maiwasan ang LMI. Malupet na Financial planning ang kailangan neto haha
    20% DP is nice - no cost on LMI... But you have to consider as well, how long will you be able to achieve that.

    Take note that house price is a moving target. By the time you get a $100K++ savings for your DP and your miscellaneous costs from house purchase, your $500K house target might already become $650K.

    Or it can work on the flipside naman - the bubble will pop (God forbid!!), and your target $500K house will be worth $450K nalang.

    All the best!! :) House hunting is nakaka-stress and it consumed my Saturdays for more then 6 months...
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • kremitzkremitz North RydeTotal Reaction Points: 34Member
    Posts: 1,074
    @tasburfoot so in ur opinion, if wala kang 20%, roughly how much o how many percent ang pwede n pang down?i heard n pwede 5% lng pero malaki din ata yung babayaran mong amortization. Based from our friends' exoerience nasa two to three years dn before nakkuha ng house. Naisip ko namn n why not start buying earlier kc instead n sa rent mapunta ang bayad why mot sa house nlng. Yung 10%ok nba?pano macompute ang monthly amortization?
    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    Posts: 4,301
    @tasburfoot so in ur opinion, if wala kang 20%, roughly how much o how many percent ang pwede n pang down?i heard n pwede 5% lng pero malaki din ata yung babayaran mong amortization. Based from our friends' exoerience nasa two to three years dn before nakkuha ng house. Naisip ko namn n why not start buying earlier kc instead n sa rent mapunta ang bayad why mot sa house nlng. Yung 10%ok nba?pano macompute ang monthly amortization?
    you can either construct it from excel using PMT function or you can google loan amortization calculator.

    apart from a higher monthly amortization; if you have a lower downpayment chances are you will be given a higher loan interest rate plus you have to factor in LMI if your DP is below 20%.
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • vhoythoyvhoythoy MelbourneTotal Reaction Points: 200Member, Moderator
    Posts: 1,538
    @tasburfoot so in ur opinion, if wala kang 20%, roughly how much o how many percent ang pwede n pang down?i heard n pwede 5% lng pero malaki din ata yung babayaran mong amortization. Based from our friends' exoerience nasa two to three years dn before nakkuha ng house. Naisip ko namn n why not start buying earlier kc instead n sa rent mapunta ang bayad why mot sa house nlng. Yung 10%ok nba?pano macompute ang monthly amortization?


    you can either construct it from excel using PMT function or you can google loan amortization calculator.

    apart from a higher monthly amortization; if you have a lower downpayment chances are you will be given a higher loan interest rate plus you have to factor in LMI if your DP is below 20%.
    sana may compilation din tayo ng excel ng mga bumili ng bahay kahit anonymous names lang hahaha. Yan din payo ng ex officemates ko sa Perth, pero in they case build sila. Ok lang kahit magbayad ng LMI atleast nagstart na kesa nasasayang pera sa rentals.
    ANZSCO 221214 - Internal Auditor
    19 Jan 13 - Academic IELTS Results - passed
    12 July 13 - Vetassess Assessment + Point Test Advice: Positive
    03 Nov 13 - Invitation Accepted 70 points
    19 Dec 13 - Lodged Visa 189
    07 Feb 14 - Visa Granted
    04 Aug 14 - Initial Entry Date requirement
    26 July 14 - Actual IED to Melbourne
    May 2015 - Big Move
    June 2015 - Got a permanent role in Melbourne
    Apr 2016 - Got a contract consultancy role in Melbourne
    May 2016 - Got permanent role and moved to Toowooba, Queensland

    And now...... living the life that i have imagined

    "A great photograph is one that fully expresses what one feels, in the deepest sense, about what is being photographed" - Ansel Adams

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  • kremitzkremitz North RydeTotal Reaction Points: 34Member
    Posts: 1,074
    Thanks @tasburrfoot
    Occupation: Software Engineer (ANZSCO Code 261313)
    Main applicant : Husband
    April 29, 2013 : ACS Skills assessment
    July 22, 2013 : ACS assessment result
    January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
    January 12, 2013: Lodged EOI (65points)
    January 13, 2013: Invited to apply for visa 189
    February 9, 2014: Lodged visa
    March 1, 2014: Medicals at NHSI
    March 6: email from CO requesting form 80 and hubby's NBI Clearance
    March 25, 2014: visa grant. Thank you lord
    June 8,2014: Hubby arrived in Sydney
    Sept 11,2014: Hubby's first day of work. Thank you Lord!
    Feb 7, 2015 : Baby and I arrived in Sydney
    April 13, 2015: My first day of work :)
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  • vhoythoyvhoythoy MelbourneTotal Reaction Points: 200Member, Moderator
    Posts: 1,538
    What suburbs ang maramin pinoy? And which suburbs ba ang maganda sa melbourne? Any recommended builders?
    ANZSCO 221214 - Internal Auditor
    19 Jan 13 - Academic IELTS Results - passed
    12 July 13 - Vetassess Assessment + Point Test Advice: Positive
    03 Nov 13 - Invitation Accepted 70 points
    19 Dec 13 - Lodged Visa 189
    07 Feb 14 - Visa Granted
    04 Aug 14 - Initial Entry Date requirement
    26 July 14 - Actual IED to Melbourne
    May 2015 - Big Move
    June 2015 - Got a permanent role in Melbourne
    Apr 2016 - Got a contract consultancy role in Melbourne
    May 2016 - Got permanent role and moved to Toowooba, Queensland

    And now...... living the life that i have imagined

    "A great photograph is one that fully expresses what one feels, in the deepest sense, about what is being photographed" - Ansel Adams

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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    Posts: 4,301
    What suburbs ang maramin pinoy? And which suburbs ba ang maganda sa melbourne? Any recommended builders?
    kung maganda lang... marami! think of surrey hills, blackburn, mont albert, essendon, balwyn, hawthorn, malvern, atbp...

    di nga lang affordable!! houses here that are sold at $1million are very cheap already... :)
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  • vhoythoyvhoythoy MelbourneTotal Reaction Points: 200Member, Moderator
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    What suburbs ang maramin pinoy? And which suburbs ba ang maganda sa melbourne? Any recommended builders?


    kung maganda lang... marami! think of surrey hills, blackburn, mont albert, essendon, balwyn, hawthorn, malvern, atbp...

    di nga lang affordable!! houses here that are sold at $1million are very cheap already... :)
    grabe mahal nga malabo yan. sa akin maybe 350-600k posible pa, more than that milagro na hehe. Ok din daw mga houses sa pointcook and medyo affordable ata
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