Property October 19, 2017
& LIFESTYLE
Totally unexpected
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Totally unexpected 4 Maple Lane, Tinwald, Ashburton This property has a lot going for it. An extra large living area that is open plan to the still really modern kitchen. All placed to catch the sun and access to the most attractive north-facing garden.
50%
4 4 2 FOR SALE $510,000
SAVE
Four double bedrooms, an ensuite and a bathroom with a spa bath. A real feature is the large double garage plus standalone garage that offers undercover space for a caravan.
UP TO
To access documents we hold for this property please visit www.propertyfiles.co.nz/555819
FIRST
UP TO
UP TO
50%
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APOLLO APOLLO SUITE SUITE OFFER OFFER · Luxurious Acacia leather Luxurious Acacia leather · ·Choice of colours · Choice of colours
NOW $6499 NOW WAS $9299 |$6499 SAVE $2800 WAS $9299 | SAVE $2800
bayleys.co.nz/555819
50%
SAVE
SAVE SAVE UP TO
View by appointment
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Jenny Gray
Phone 03 307 7377 or 027 452 2888 jenny.gray@bayleys.co.nz
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THE THE RAYNA RAYNA
THE THE PRAGUE PRAGUE
Get ready to entertain in style with the Prague. It is Get ready to entertain in style with the Prague. It isfeel inviting, stylish and comfortable, meaning you will inviting, stylish and you will at ease and ready to comfortable, enjoy. It has ameaning linear profile andfeel at ease and ready to enjoy. wooden tapered legs with substantial armrests, meaning the Prague will fit in to any modern-day family home or alternatively a vibrant inner city apartment. WAS $4899 | SAVE $1100
NOW $3799
Simple and sleek. The Simpleoff and The Rayna ers sleek. you the Rayna to offrecline ers youand the option option to recline rock or just reclineand rock or just recline (non-rock option). (non-rock option). Whatever option you Whatever option you choose for the Rayna, the Rayna, itchoose will fit for in nicely into it willhome. fit in nicely into your your home.
NOW ONLY NOW $699 $699 WAS $1049| SAVE $350
7000 ADDRESS 28–32 MOORE STREET, ASHBURTON PHPHONE 55003 550 7000 • 28–32 MOORE STREET Proud supporters of Proud supporters of
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Out of the blue It’s deep, moody and soothing, and can be found in boho, seaside and contemporary design. Indigo is racing up the style charts, but upon examination, it’s a colour which has never been out of style. The deep blue was once sourced from the indigo plant in India. The dye was imported into Europe as early as the Greco-Roman era and was extremely expensive. The dye held its colour well, so it was worn by the wealthy. It developed a symbolic reference to power, importance and wealth, so much so that during the Elizabethan era, as decreed by the English Sumptuary Laws, only royalty, nobility and members of the council were authorised to wear the colour. Hence the reference to royal blue, the obvious connotation that only royalty could wear the rich colour. Indigo has remained a fashion and design favourite throughout the centuries, because it works well against a spectrum of colours. Deep dark tones along with some graded tones are the colours prominent this season. From the infamous ‘Mao suit’ worn in China to the quintessentially American Levi’s jeans; indigo has impacted lives the world over and continues to do so today. It evokes a seriousness, from military references and tradition, and represents strength. While it is a masculine colour, when paired with white it quickly represents innocence. Indigo and white stripes instantly feel maritime, and the Duchess of Cambridge often opts for this colour palette when she is yachting. Indigo is commonly displayed in
kitchens, with rich blue and white china making a statement against an otherwise crisp white kitchen, however a more modern approach sees indigo taking central stage, with walls or cabinetry boldly saturated in this stunning blue. Matte indigo in a kitchen will match well with a country theme, with traditional wooden stains contrasting well, while glossy indigo marries well in modern surrounds, against stainless steel and white. Classic and complex, indigo provides a touch of mystique, while the familiarity is also comforting. Deep indigo walls in a bedroom form an intense backdrop for layers of texture. The colour is soothing, like a midnight sky, and can assist with a sound sleep.
FOR THE HOME YOU’VE ALWAYS WANTED... No one knows your personality or aspirations better than you. At Jennian Homes Mid South Canterbury, we work alongside you to create your ideal way of living based simply on what you want.
You don’t need to paint an entire wall in indigo for it to create interest. Paint your ceiling architrave in indigo for a striking contrast against the crisp white ceiling, then mirror the colour in a deep rug, a large vase and cushions to bring the design concept together.
By combining your personality with our expertise we can craft a living a space that reflects your individual needs and personality that is custom designed for you and your family.
Indigo needn’t only be contrasted against white and wooden tones. Layer it with bright vibrancy, such as lime green and sunny yellow, for a modern and vivacious twist. It also teams well with accents of copper. With hints of sophistication and spirituality, indigo conveys the right amount of energy and style to hold strong for seasons to come.
Visit us at our new Display Home 8 Whiteoak Grove, Ashburton to see how we can help you get the home you’ve always wanted. Open: Monday - Friday 8am - 5pm and Sunday 12pm - 3pm. Jennian Homes Mid & South Canterbury 8 Whiteoak Grove, Ashburton P 03 307 7308 E salesmsc@jennian.co.nz jennian.co.nz
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Four main types of property ownership Most real estate advertisements are pretty straightforward. There’s an attractive photo, a headline that screams the property’s best features and a list of its vital statistics. Dig a bit further though and things can get confusing. Everyone can decipher the bit that tells you the property is ‘A first home buyer’s dream’, and tick off the number of bedrooms, bathrooms and offstreet parking spaces. But what if the fine print tells you it’s freehold, or leasehold, or – even more confusing, cross-lease? You might not realise it from a brief glance, but how a property is owned has a direct impact on your rights. While some methods of ownership are straightforward, others are slightly more complicated and it’s worth doing your homework to understand their impact. There are four main types of land ownership in New Zealand: freehold, leasehold, unit title and cross-lease.
Freehold Freehold, also known as ‘fee simple’, is the most common kind of ownership and the simplest to understand. If you have a freehold property, you have total ownership of the land and anything built on it. That means, generally speaking, that you can live on the property, earn income from renting it out, build on the land, lease it to someone else, use it as security when
applying for a loan, gift it by will or sell the land.
Leasehold With leasehold ownership, someone else owns the land (with freehold ownership) and the leaseholder has the exclusive right to possession of the land and any buildings on it. If you buy a house or apartment that is built on leasehold land, you have to pay the freehold owner a ‘ground rental’, which is usually paid twice yearly in advance. You are also responsible for rates and other expenses relating to your property. Leasehold ownership is usually subject to terms and conditions that restrict what the leaseholder can do with the buildings or land. The lease will also set out conditions for when the ground rent can be reviewed (usually every seven years). The length of a lease term varies – at the end of the term it can be renewed or revert back to the freehold owner. If you are interested in buying a leasehold property, it’s a good idea to find out exactly what these terms and conditions are, especially because an increasing ground rent rate (and a shortening lease term) can have a serious impact on your ability to sell the property at a later date. The length of a lease term varies – at the end of the term it can be renewed or revert back to the freehold owner.
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Unit title ownership is most common in a building development where there are multiple owners. It allows individual ownership of parts of a single building, or of separate buildings within one complex. Each unit title is made up of three parts: ownership of your particular apartment or unit and any ‘accessory’ units, like garages, private courtyards and storage areas; an
undivided share of the ownership of the common property (lifts, laundries, lobby areas, gardens) and an undivided share of the ownership of the units if the unit plan is cancelled. Becoming a unit title holder means you automatically become a member of the complex’s body corporate, which consists of all the unit owners acting as a group. An annual fee is usually charged. A body
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Mortgage rates
gle to understand them. Essentially, if you hold a cross-lease, you are a part owner of every building on the plot of land, not just the one you occupy, with the other leaseholders. Each cross lease holder is granted what is known as a registered leasehold estate of the particular area and building that they occupy. These leases are usually for 999 years and each one will set out exclusive areas of occupation as well as any shared or common areas. In other words, your house or unit is set apart just for you and your family, but you have equal access to shared areas (like a driveway, or garages, or a common garden area). A cross-lease title also includes a plan of the footprint of the property, so you can see if it matches the property you are looking at.
corporate has a number of responsibilities relating to keeping the property in good order, organising and maintaining insurance, and making sure owners keep to the rules.
Cross-lease Cross-leases are probably the most complicated form of property ownership in New Zealand and lots of people strug-
Cross-lease ownership means that any structural changes to the property or shared areas must be agreed upon by all the owners. Depending on the terms of the cross-lease, you may need to get the other owners’ consent for things like painting the exterior, building a deck or putting up a fence. These provisions are usually referred to as covenants. A covenant may place restrictions on what you may do with the unit or building, so it is important to understand what they mean. This is where things can get extremely tricky.
Do your homework Whatever the type of title that a prop-
erty has, it’s absolutely crucial to do your homework before you sign on the dotted line to buy one. A title search will help you find out all the facts about the property’s ownership, boundary and access, as held by Land Information New Zealand (LINZ). Remember to look out for easements or covenants that may differ from your understanding of the property, such as rules about who can live in it, car parking and access. A Land Information Memorandum (LIM) will also show you information held by the local council about the property and land. It’s a really good idea to get a lawyer who can help you navigate all these different documents and understand what they mean. Check out www.propertylawyers.org.nz to find one in your area – and start talking to them before you begin the house hunting process. When you have found a property that you’re keen on, the REAA recommends getting an independent assessment of the property done by an inspector who has professional indemnity insurance and carries out their work in accordance with the New Zealand Property Inspection Standard. All these steps will help minimise the risk of making a bad decision. For more advice on buying and selling property, visit www.reaa.govt.nz. If you still have questions, call the Real Estate Agents Authority (REAA) on 0800 367 7322
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