Uncategorized Archives - Page 3 of 5

02/11/202202/11/2022

Saving for your deposit

Saving for you first home is no easy feat! Thankfully, we have some tips and tricks to help you on your way.

Review your finances
It’s time to look at what’s going in versus what’s going out. Are you living above your means? You probably have an idea about where you are sitting already.
Review what you spend your money on. Is there room for you to cut back in any way? Those coffees add up! Lunch out adds up. Find what it is for you and come up with a plan to address your squeaky wheel.

You could purchase a coffee machine and make yourself barista quality at home. You can then put it in your fancy keep cup and take it to work with you.
Compromise to only eat out once a weekend and do anoter activity with friends instead.
If you are always tempted by Ads, it’s probably a good idea to remove your most tempting brands from your social feeds for the short term.

Lenders do go through your bank statements so if the spending looks reckless, they are going to look at your application less favourably.

Credit cards
They sound amazing but did you know when applying for a loan banks and lenders assume you use the entire credit limit each month?
This means even having one in your name, even if it is just for “emergencies” means you have an automatic amount of debt against your name.
If it isn’t absolutely essential for you to have a credit card, getting rid of it before you apply for a loan, reducing the limit, or transferring the balance to one with a lower interest rate, will help to improve your borrowing capacity. And be sure to always pay off your credit card on time!

Buy Now Pay Later
It’s lay buy but with a twist where you get the goods first and pay the balance off later! Too good to be true? Sadly, yes. It’s another factor lenders will be looking out for when they assess your home loan application. It doesn’t send the right message to the lender as you should be able to afford to pay for the things you need to buy in full at the time. It’s also super easy to rack up a lot of debt here really quickly which doesn’t signal that you’re particularly good at managing money or a home loan. A good rule of thumb is; if you can’t afford to buy it twice you can’t afford it at all.

Subscriptions
Now that you’re committed to saving, it’s a good time to check your savings bucket for any holes – aka, subscriptions. Those expenses that are coming out of our account unnoticed that you really aren’t getting much value for.

Do a review of all direct debit subscriptions that are coming out of your account. Which subscriptions are you actively using and which ones could you honestly do without. Many of us signed up to a streaming
platform (or two) throughout lockdown. During lockdown that made perfect sense because we were all at home way more than we wanted to be (and using these platforms way more than we would like to admit).

Now that we are back out socialising, like the social butterflies we are (not too much because we are saving) we may not be getting much value out of them. Firstly, if you have multiple streaming
services; make a decision to stick with one and cut the rest. The beauty of these services is that you can binge one show on one platform one month, suspend and watch another show on a different platform the month after. Put a date in your calendar each month (just before the renewal) where you look
at your calendar for the month ahead and make a judgement if you will use it this month. Suspend if you’re going to be busy and keep if you’re planning to have a quieter social month. Plans fall through? You can resubscribe in an instant.

Having a regular check in like this will make sure you’re not paying for it whilst off on a holiday too.

Another common one for a lot of people are gym memberships. Summer is coming but honestly reflect on how much you are using this service. Gym memberships are a little more complicated in that they cannot usually be suspended and unsuspended without going through paperwork – which they know is cumbersome and why they do it to keep your money rolling in!
If you’re booking classes via an app, you should be able to go back through your app to see how often you went over the last month.
Now, divide that number by your monthly charge. Is it worth it? Is that the value you wanted to be getting from this service?
Noone is saying quit the gym but there might be a more value driven option for you. If you are a really sporadic gym goer a casual membership might be the way to go. These one-off passes seem more expensive but if you only get to the gym once one week and three times the next, you’ll be saving money overall. The other great thing about lockdown was that a lot of people uploaded a lot of free exercise content online. Plus, with the weather getting warmer you might find you have more motivation to wake up early and go for a walk or run instead. Being in nature is an added benefit for your health too!

We hope these tips will be beneficial to your savings goals. Stay tuned for more updates coming soon!

Our friendly sales team are happy to help and answer any queries you may have.
If you wish to speak to our sales team, please feel free to reach out on either of the following methods:

Phone: 1300 888 181

Email: info@marigoldtarneit.com.au

Construction Works are progressing on the Entry Wetlands and Skeleton Creek.

The Marigold construction team have now completed the civil works for the Northern Wetland (you can read our previous update here) and landscaping works are set to commence shortly.

In addition, the team have now turned their attention to delivering the Civil works for the Southern Wetland and Future Waterway (creek area).

Read on for a re-cap and breakdown of what the civil works entail!

The wetlands are set to become a visual and attractive feature of the community but also serve a practical function by capturing and cleaning the storm water run-off from the community. It is a pretty impressive feat of engineering that utilises a natural way to treat and remove pollutants from stormwater before it enters our creeks, rivers and oceans.

Constructed wetlands typically have three design features that work together to help filter stormwater and protect the area from flooding:
• inlet zone – a sediment basin that removes coarse sediment
• macrophyte zone – a shallow area densely planted with aquatic plants and the main part of the wetland, which removes fine particles and dissolved pollutants
• high flow bypass channel – lets excess water flow around the wetland without damaging the plants

These three areas of the wetland use three different methods (physical, biological and chemical uptake, and pollutant transformation) to clean the water.

The wetlands large open water section (inlet zone) is designed to be big enough to capture a sufficient amount of water. This design also helps to disperse the flow of the water across the width of the wetland to slow it down. This ensures there is sufficient time for the water to be cleaned and filtered to maximum potential. The water is slowed to a point where the sediment drops out of the water column by gravity, which can then be collected in the sediment pond.

Construction of the concrete sediment pond.

Pipes and drainage are added to also assist with controlling the flow of water, to move water from the sediment pond to the macrophyte section and to eventually transport the water into the wider water network. Once the pipes and drainage system were completed, the construction team began layering the bed of the wetland with the different ground coverings which are one of the physical methods wetlands used to help clean and filter the water. The layers are made up of crushed rock and different sediments. One such layer is gypsum.

Pipe system & Offtake control structure construction.

Water will move from an area of low salt concentration to an area of higher salt concentration. Soils with lots of salt (such as those with high clay content) may look moist but plants cannot absorb this moisture. Gypsum helps this by binding to the clay particles (chemical removal) in the water which allows the plants to use the moisture stored in the soil.

*First layer of gypsum stabilized clay liner installed*. Gypsum is then mixed & compacted into the clay.

The balance of the civil construction work is anticipated to be completed in the coming weeks. This is perfectly timed to commence the landscape scope in the following month at the height of Spring.
Spring is the opportune time to complete landscaping as we are blessed with ample sun and rain which is exactly what freshly sown plants and grass require to grow.

The selected wetland plants (hydrophytes) that will be included in the wetland and surround the immediate area of the reserve, also play a role in the removing of sediment and filtering the water to improve the ecosystem.

Stay tuned for more construction updates!

How to choose the right block of land

So, you’ve decided to buy land to build your dream home. Great! Now what?

Where do you begin? Luckily, we are experts, and we have a few suggestions of things to consider to ensure you find the block of land that is perfect for you!

Get started with this essential checklist that will help you find the perfect block of land for your dream home.

Know your finances.

Consolidate your savings and prepare your spreadsheets with your expenses, it’s time talk to your bank or financial specialist for a pre-approval. This is an indication from the bank of your borrowing capacity (the amount the bank or financial institution is willing to lend you). This amount is based on your income, deposit amount and other expenses.

From here, you will have a better understanding of your overall budget! This is an important step as it allows you to search for your house and land confidently, knowing what budget you have to work with.

Don’t forget to put aside some funds for stamp duty and other taxes like Lenders Mortgage Insurance (LMI).

Find the perfect floorplan.

The size of the lot you purchase will determine the size of the house you can build.

Determining the size of the floorplan you need helps prevent you from overpaying on the land component as you won’t be paying for excess land you do not need.

A checklist with your ‘must-have’ and ‘negotiable’ items is a great way to get started. Answer questions like:

-Are you looking for something low maintenace or would you like a big backyard with space for a pool or garden shed?

How many bedrooms and bathrooms do you need?

Are you looking to build a single or double-storey?

What design features will make your life easier? A study or working from home space, walk-in pantry and large bench, alfresco for outdoor entertaining?

Visiting display villages and speaking to building consultants will help you choose the right floorplan to suit your family’s needs.

Is north facing the best orientation?

The orientation of your land and floorplan is another important consideration. From a builder’s perspective, north-facing land in Tarneit allows maximum sunlight throughout the seasons. With the sunshine facing onto the main living areas, this will passively heat your home during the colder months, helping you save on your electricity bill. The placement of windows can also have a significant impact too!

Location.

Finding a community that complements your lifestyle is the next all-important step.

Do you want to be able to walk to local shops and cafes?

Do you want to be close to an abundance of parks, open space and cycling and walking trails?

Are you planning on starting a family and need to be close to schools and early learning centres?

These are all important factors that should be considered when looking for the ideal community to call home. The key point is that you decide what factors are most important to you. We may be biased but Marigold ticks a lot of those boxes!

View Marigold’s enviable location in Tarneit here or discover more of the future amenity planned for the area here.

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We hope this checklist has provided you with some helpful information to assist you with your new home buying journey.

If you have any questions or wish to discuss any aspects of the home and land buying journey, you can contact our friendly sales team on 1300 888 181 or via email at info@marigoldtarneit.com.au.

Family Centre Opening Soon!

In exciting news for the growing Marigold community, a brand-new Integrated Family Centre with a kindergarten is being built close to home.

The Bembrit Bag-rook Community Centre is set to open soon, bringing high quality maternal and child health care, and a new kindergarten to the Marigold community.

Located on Polly Parade, Tarneit , the long-awaited, multi-million-dollar centre is just a short five-minute drive from your new home at Marigold, and ideally positioned for growing families.

Integrated child and family centres are great pillars of new communities as they become a focal point for professionals to deliver accessible services including education, care, health and support services to children and young families.

The new kindergarten facilities, operated by Best Chance, have been designed in line with the Victorian Government’s Early Years Learning and Development Framework.

Attending kindergarten is an important step in your child’s development, teaching them skills that they will build on throughout their lives – from language development to important social skills and confidence that will help create friendships that will last a lifetime.

The centre is currently under construction and is anticipated to be completed in the coming months.

With a number of established early childhood centres within close distance, experience the Marigold difference.

Large Lots Available

Looking to build your forever home in a thriving urban environment?

Upgrade your lifestyle at Marigold Tarneit, where a number of large lots are now available for purchase.

Well above your standard sized block, with sizes ranging from 433m2 – 690 m2, you’ll have the chance to build the family home of your dreams plus extra room for those additional features!

Whether it’s a pool or spa for those warm summer nights, a toasty firepit, a trampoline for the kids or a veggie patch, this is your opportunity to start a beautiful life at Marigold.

Ideally located in the heart of Melbourne’s thriving western corridor, Marigold promises a lifestyle of connected convenience, with education, transport corridors, medical facilities and shopping centres virtually on your doorstep.

With an abundance of natural open space, embrace an active, tranquil lifestyle amongst nature, with parks, playgrounds, sporting fields and wetlands all within an arm’s reach.

Experience the Marigold difference, and speak to our Sales team today on 1300 888 181 or via email at info@marigoldtarneit.com.au. To view available lots, please click here.

Construction on the Entry Wetlands & Skeleton Creek have begun!

Marigold is a unique community with almost one quarter (over 14 hectares) of the community’s gentle, undulating landscape exclusively reserved for natural open space. No matter where our fortunate residents are within the neighbourhood, they will never be more than a few footsteps from a park, playground, sporting ground or wetland.

Meandering through the centre of the Marigold community is the Linear Creek Reserve. Starting in the south easterly corner of the community and opening into an expansive wetland area and Skeleton Creek before continuing on to the top north westerly corner of the community and culminating in the northern wetland reserve.

Construction has commenced on the wetlands in the south easterly corner of the community and our Stage 9 residents will have a beautiful outlook across this reserve once completed.

Artist Impression of outlook across creek reserve

The wetlands are set to become a visual and attractive feature of the community but also serve a practical function by capturing and cleaning the storm water run-off from the community.

Our construction team are busy completing the earthworks on this area which involves shaping the land to create the correct depths to capture, control and filter the water as efficiently as possible.

The wetlands also increase and replace habitat for native flora and fauna that has previously been lost to encourage a healthier environment for all. It is important to acknowledge the reduction in habitat for water fowl in Victoria’s west at the moment, and as such the importance of these waterway spaces are becoming ever more critical for the health and benefit of our water quality and ecosystems as a whole.

The selected plants that will be included in the wetland and surround the immediate area of the reserve, also play a role in the removing of sediment and filtering the water to improve the ecosystem.

The Wetlands and Skeleton Creek Reserve will be significant open space for the community to both actively and passively engage with.

These wetlands incorporate pedestrian connectivity and promote walkability and activity through the community, using a mix of shared pedestrian and cycle paths to provide different experiences and use. Pockets of open, unstructured space are provided for picnic areas and visual benefit as well as to contrast the highly vegetated water treatment zones. The community of Marigold will be able to go for long relaxing walks through gentle landscapes, pause to observe water birds frolic or listen to the chirp of frogs and experience and enhanced connection to the environment.

Completion of the Stage 9 Wetlands reserve is expected in Quarter 2 2023 and we look forward to the community enjoying this unique aspect of open space provided at Marigold.

Stay tuned for more updates!

Marigold’s Gathering Grove Park is Open & Ready for Play!

Marigold’s Main Park located on the corner of Cherish Drive and Rejoice Street, Tarneit is Open!

This bright and interactive play space is ready for your family to spend an afternoon in.

The vibrant design features curved path networks that have taken inspiration from a cricket oval and mounded forms of bright colours reminiscent of produce at a spice market.

Designed with younger children in mind, the mixed play space is a fantastic area for younger kids to socialise and play in an interactive way. Incorporating sound play instruments, these noise makers are going to bring a smile to young faces and budding musicians. The balancing logs, steppers and giant boulders are beckoning to be climbed on, walked across, or jumped from by little ones. Located close to the ground and surrounded by tanbark, even if a spill is taken, they won’t be down for long.

Once all of the instruments and nature play aspects have been discovered, tried out and enjoyed, there are still the traditional play elements your kids can head to for fun on the slide, swings or climbing net. This eye catching and prominent structure is the centrepiece of the park where many little monkeys are going to want to race to the top and practice their swinging. A shelter complete with picnic tables and seating, also draws the eye with a unique serpentine roof which becomes a visual destination point as you approach the park.

A huge, grassed kick-about area completes this multiuse space and promises to tire out those little legs. This is also a perfect spot to play fetch with your four-legged family member, enjoy a game of cricket, or pack a picnic and relax in the sun.

Families from all over the Marigold community will love having this unique play space in their neighbourhood.

We look forward to seeing many Marigold families gathering together to enjoy this space, hosting family under the picnic shelter, catching up with friends and neighbours or enjoying a kick of the footy or soccer ball on the grassed area.

Visit Gathering Grove Park – Get Directions

Join us for the Grand Opening of the Marigold Display Village!

Join us for the Grand Opening of the Marigold Display Village on Saturday April 9 from 11am – 2pm!

Promising to be a great day out for all of the family, there will be amusement rides, entertainment, food trucks, prizes to win and more!

Located at 1030 Dohertys Road, Tarneit, the Marigold Display Village features 14 homes built by 8 of Victoria’s leading builders.

Take a sneak peak of the homes here

Find the inspiration you need to create your dream home at Marigold and browse the very latest home designs while enjoying a fun day out with your family.

We can’t wait to see you there!

Please Note: This event is subject to weather conditions and other factors.
Please stay updated by following the Marigold Facebook Page

The Marigold Display Village grows by two more!

Marigold is pleased to welcome Ridgewater Homes to the growing Display Village. Ridgewater Homes join Burbank Homes opening their doors for the first time this weekend, Saturday 11^th December.

The Marigold Display Village is now home to 10 unique displays from 6 reputable builders.

Read on below for more information on each of the Ridgewater Homes designs.

Hyland 26

The Hyland 26 is a delightful family home all on one level. Including four bedrooms, a theatre room and study, there is plenty of space for all of the family.

The heart of the home is an expansive kitchen, family and dining room featuring an extra wide island bench and large walk-in pantry. Sliding doors out to an alfresco extend this space further and make entertaining seamless.

It won’t take much for you to picture yourself in this functional design.

View the floorplan here Download

Lindesey 42

The Lindesey 42 is the perfect upgrade. Multiple living areas across two floors ensures everyone has their own space to relax in and enjoy.

A formal lounge at the entry can be a designated study or library and a fifth bedroom downstairs, with its own ensuite and walk-in robe, is the perfect retreat for guests when they come to stay or for intergenerational living.

The expansive family and meals area will never feel crowded, even when everyone is altogether. It is the perfect space for entertaining on warm nights as people spill out on to the alfresco.

A generous master retreat upstairs with walk-in robe and resort style ensuite, including a bath and double vanity, will bring a little luxury to everyday.

The Lindesey is a grand design that will satisfy on all fronts.

View the floorplan here Download

Ridgewater Homes have over 30 years experience in the building industry across construction and sales and are passionate about helping you build your dream home.

The Ridgewater Display Homes are open 10am- 5pm weekends and 11am – 5pm Monday, Tuesday, and Wednesday.

The homes are open Thursday & Friday by appointment only.

For more information on the Hyland 26 or Lindesey 42, contact:
Jagadeesh on 0452 467 857, or
Amit on 0433 345 430

Burbank Homes are opening TWO NEW Displays in the Marigold Display Village This Weekend!

Marigold is pleased to welcome Burbank Homes to the Marigold Display Village. Two impressive new designs will be joining the Display Village this weekend, Saturday 11^th December.

Read on below for more information on each of the designs.

The Sampson 206

The Sampson 206 is a clever, compact floorplan offering a surprising amount of space. Four bedrooms, a second living room and an alfresco that seamlessly connects the family and meals area outdoors. You will love making a home in this functional design.

View the floorplan here Download

The Rydell 235

Spread over two floors, the beautifully proportioned Rydell 235 will enrich your life. Four bedrooms, upstairs rumpus room and downstairs study. This design has everything a modern family is looking for.

View the floorplan here Download

Both of these homes are a part of Burbank’s Swift Collection. The Swift Collection home designs are complete with everything you need to move straight in. If you are a first-time homebuilder and a little overwhelmed by the thought of making so many choices, a Swift home will save you time and money as you select a ready-to-go floorplan, façade and colour scheme, speeding up your building contract to just 7 business days.

Now is a great time of year to do your due diligence to begin your new home owning journey, and the Marigold Display Village is the place to start! Now with 10 homes open across 6 reputable builders, there is plenty to inspire and delight.

Both Burbank displays will be opening for the first time this Saturday from 10am. Be one of the first to explore these new homes this weekend.

The Burbank Displays are open at the following times:
Mon: 12pm – 5pm,
Tue-Wed: 11am – 5pm,
Sat-Sun: 10am – 5pm

Category: Uncategorized

Saving for your deposit

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Construction Works are progressing on the Entry Wetlands and Skeleton Creek.

more news stories