Tonnes of fun at Touch a Truck
If your child gets excited every time they see a truck, then they’re going to love the City of Onkaparinga’s Touch a Truck event.
The free event — held on Friday 26 April from 10am until 2pm at the Colonnades Shopping Centre carpark in Noarlunga — gives children and families the chance to explore all the fascinating vehicles that work around the community every day.
It’s an interactive, outdoor event where children can sit in the cabins, honk horns and climb into large construction equipment.
Approximately 30 trucks and vehicles will be on display including a waste truck, cat loader, cherry picker, chipper truck, excavator, grader and street sweeper.
While the event is about giving kids the chance to see all these amazing trucks in one place, it’s also an opportunity to learn about how council’s City Operations team works.
People can meet the men and women behind the wheels of these impressive vehicles and ask questions.
There will also be face painting and jumping castles, and stalls on waste education and sustainability to name a couple.
It’s set to be an exciting day for little truck enthusiasts and also those young at heart.
To stay up to date visit http://bit.ly/Touch-a-Truck-event
Touch a Truck
When: Friday 26 April from 10am to 2pm (during school holidays)
Where: Colonnades Shopping Centre car park, Noarlunga (enter off Goldsmith Drive at the Honeypot Road intersection)
By Guest Carol from Vista Financial
How long does it take after moving to Oz to secure a mortgage? Short answer: it depends.
I can see the rolling of the eyes from here.
Different banks have different criteria, you need to tick the boxes. However long that takes, that is how long you have to wait.
There are no hard fast rules on how long you ‘should wait’ to buy a house but there are some important things to know.
The process itself is super quick
The actual purchase process here is a lot quicker than in the UK. The never ending chain of teetering disappointment is very rare here. Property is bought and sold within weeks.
Find out how much the banks will lend you, find a suitable house, put an offer down, exchange contracts, settle and move in. From start to finish in Australia you can be putting down an offer on a house today and potentially be moving in 6 weeks later. It can be that quick.
Are you actually ready to buy?
Why do you want to buy? Are you in a rush to buy? Why? Do you know the exact state and suburb you want to live in? Will the kids be accepted into the school there? Are you happy with that school? Is your commute to work a nightmare? Is it a dodgy area?
If you have just arrived, renting is a great way to get to know Australia and trial out living in different places so you know exactly where you want to buy. The last thing you want to do is buy in an area soon after arriving only to realise your dream location is on the other side of the country.
Where to start
Ok, let’s assume you are set on buying as soon as possible. The first step is figuring out what it will cost overall and where is the money coming from.
If you have enough to cover the shortfall between what it costs and what the bank will lend, you are good to go.
If you don’t, then you need a plan on how to change that. Do you need to save more? Or do you need to wait for some circumstance to change so the banks are more favourable towards you (e.g. do you need to complete probation? Does the bank require you to have worked for longer than 6 months?).
If you are a PR or Australian Citizen with 20% deposit (plus costs) then happy days, the banking world welcomes you with open arms.
If not, don’t give up! There are so many different banks and policies out there so you don’t know exactly until you have had a professional unequivocally tell you so AND (most importantly) what you need to do to change that. If you are a temporary resident most banks may only lend you 60 – 70% these days. BUT if you purchase with someone who is PR or a Citizen then it can be a whole different ball game. It all drills down to finding the best fit for you.
One last thing.
Comprehensive Credit Reporting (CCR)- Australia is catching up
If you are coming from the UK you probably already know all about credit scoring and the importance of having a clean bill of financial health. Australia has technically had CCR in place since 2014, but the uptake has been sluggish. This is about to change and may be a rude awakening for a lot of Aussies. From 1 July 2019 all major banks are required to share 100% of their data with credit reporting bodies, so this will become more and more relevant here, as it is in the UK, in the coming years.
As of right now, lenders are slowing sharing their data and eventually will use this as a tool in their lending decision making. So whilst I wouldn't run to get an Aussie credit card, it is not a bad idea to think about ways to start developing your credit rating here, because it will be a brand new file. Setting up with an Australian phone plan is a good start, and if you are renting first even paying your utilities bills on time can help build up your score.
Keep in mind that yes, a good credit score can help, but some banks value it more than others and it is not the be all and end all at the moment. What is more important is knowing which bank to go with and what is best for your particular circumstance.
Hope this helps, any questions feel free to ask!
By Seven Seas Worldwide
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Hi, we need recommendations for Adelaide removals please.
It's being paid for by my husband's employer so we have to obtain 3 quotes.
Grace removals are the preferred mover - we can just go with them without getting quotes. If we want a different one we have to get another 2 quotes.
I have contacted Kent Removals and Allied Pickford for quotes.
Any experience / reviews / thoughts locally on those please? I am interested in moves between suburbs in Adelaide not international to Adelaide (Kent unpacked our stuff from UK for us years ago) and not interstate moves because then obviously there will be other factors. Particularly, how have you found Grace if you have used them?
Would love your thoughts please.