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Thanks to all, I now received my grant after applying for consideration, I clearly stated in my letter that it wasn't my fault for the construction start date to be delayed. I obvisouly had to provide enoug evidences to prove that. :) Ta, BJ

Thanks Terry, I now applied for special consideration detailing the reason for delayed construciton start date. I hope to hear from them soon. Thanks Rolf and Terry for your suggestions, very much appreciated. I hope to hear from them next week. Ta, BJ

Hi Rolf, Yep the issues 26 weeks from the date of contract signed. but we did not cause any delays, it was the bank and our builder who took time. Builder says bank did not approve the loan on time, so it delayed their process. this is causing me lot of stress, and it's not my mistake...

Sorry Rolf, the loan approval took about one month 2 weeks. 6months is the time they kept our signed FHOG application and they did not even remind us that the deadline for construciton date was near as once we submitted the applicaiton it was their responsibility to work on that FHOG...

Thanks again Rolf, I think the lender Railways Credit Union , Queensland is not the member or non member in this Banking Ombudsmans , The loan is surely for us as Owner occupied loan, u recon I should still write to this Banking and Financial Services Ombudsman? or write to Office of...

Thanks Rolf, I din get by the stmt 'if loan is for occ purposes' , the loan was for us and the lender is Railways Credit Union. All the loan specialist they title them selfs got least knowledge on construction loans, yet we went through them coz of cheaper interest rates. Do you recon...

Hi Guys, Pls help in this issue. I bought a House and Land Package in April 2009 and filled the FHOG application on 1May 2009 and submittted to my bank. The builder started construction recently and it now looks like I wont be eligible for FHOG as the 26 weeks has crossed from the date of...