Guardian Property | November 16

Property

November 16, 2017

& LIFESTYLE

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2

Nothing to do and all day to do it 52 Carters Terrace, Tinwald Here’s a family home that’s freshly painted and something to be proud of.

Huge living spaces flow beautifully right through to the outdoors.

You’ll be cosy in winter with a fully compliant log burner throwing heat right throughout the open plan layout ... and you’ll entertain all summer outdoors with a gorgeous patio and a perfectly groomed garden that’s very easy to maintain.

How convenient with bathroom facilities both upstairs and down and

no arguing over rooms with three large bedrooms and options for a fourth.

Double attached garaging is yet another bonus. It’s a family home that’s ready to move into and enjoy.

So this summer spend time on YOU and the FAMILY because the house and garden are already taken care of.

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3

What’s my house really worth?

When you’ve lived in a property for a while it can be hard to be rational about its worth. How can you put a price on the spot where you’ve built so many memories with family and friends? Someone will surely recognise the hours you spent sanding back the windows or digging out the agapanthus in the garden and reward you with a high price, won’t they?

Unfortunately potential buyers may see things differently, especially in a slow housing market.

There are several methods you can use to gauge the worth of your property.

Remember that the rateable value or RV (formerly known as the government valuation, or GV) of your property doesn’t really provide any clues. These valuations are done by the local council to work out what share of rates a household should pay. They are only done every three years and don’t take any improvements into account – increasingly, properties that include an RV figure in the advertising will come with a disclaimer that it is not indicative of current market value.

These days you can gather a lot of information for free thanks to websites like Trade Me and Homes.co.nz. Trade Me’s Property Insights has information on more than 1.5 million homes, including rateable value data, previous sale prices, when the property was built and what size it is.

The site also provides an estimated value range, based on a melting pot of data from sales of comparable properties, listing details and user activity. Homes.co.nz operates similarly. Its estimate service is built on a complex set of valuation models, using around 30 million pieces of data bought from councils nationwide, plus sales values and a wide set of property features. Both sites recognise there are a number of factors at play, so they offer an estimated value range that can be quite broad.

While both these sites are useful, they don’t show the full picture and should only be used as the starting point in determining value. They can’t take the condition of your property into account and they may not recognise any improvements you might have made (though homes.co.nz does allow owners to ‘claim’ their property and edit information about it).

Let’s say you own a large property in an area where there have been some big-

ticket sales in the past year. Your property might have some serious structural issues and be in generally poor condition, yet the algorithms may claim that it is worth a lot more than any sensible buyer would pay for it because other houses in the neighbourhood have sold for high prices.

The impact of this is two-fold. Firstly, the seller could anticipate a big pay-day that may never arrive; and secondly, some buyers may be put off making an offer because they think it’s out of range.

There are a couple of ways to combat this. When you start working with a real estate agent to sell your property they must supply you with a current market appraisal or CMA. This is based on similar information to the online versions, but it also comes with the agent’s real-time, real-life knowledge of the area, what similar properties have sold for and the condition and particular characteristics of your own property (such as whether it has been repainted recently or it’s in a state of disrepair). The agent will have had the chance to walk through your property and identify its unique selling propositions, such as good sun, proximity to desirable schools and other features that buyers like. It’s important to note that you may get varying CMA ranges from different real estate agents as they may each take a divergent perspective on your property that you will then need to consider.

Your other option is to pay a registered valuer to provide you with an independent valuation. This service comes at a cost (the price will vary, depending on the level of detail), but it will be more accurate.

The Property Institute, which represents valuers, says a registered valuation can help sellers be a little more clinical about their property’s worth.

property’s value is what a willing buyer will pay for it at the given time that it’s on the market. A valuation, a price range or a figure reached by an algorithm is not cash in the bank.

For independent advice on buying or selling property, check out www.reaa.govt. nz.

Even with all the information you can gather, the true indication of your

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6

Mortgage rates

5.19

%

P.A.

2 years

4.99

%

P.A.

2 years

5.29

%

P.A.

2 years

5.45

% P.A.

2 years

5.19

%

P.A.

2 years

*At the time of printing

Keeping up with kumara Like potatoes, kūmara would have to be one of those vegetables that is a pretty regular feature in my pantry. They’re versatile (there’s a long list of dishes I can add kūmara to) and they taste great!

I’ve enjoyed growing kūmara in my garden for some time but we’ve never sold it at the nursery. So, I’m pretty excited to announce that you can now purchase kūmara seedlings from our stockists or from our online shop at www.awapuni. co.nz.

Our regular-sized bundles have four seedlings and our bulk bundles contain 10 seedlings. Not sure how many you’ll need?

Well, this is how I work out how many to plant. If all goes well with my kūmara growing I expect each plant to produce around a bucket of tubers. So, a regularsized bundle should produce around three to four buckets of kūmara.

Once you’ve worked out how many seedlings you need, the next job is to find the right spot to plant them. Each seedling needs to be planted around 50cm to 1m from the next, so you do need a bit of space to have a kūmara crop.

Kūmara like a pH of 6.0 to 6.5. If you’re not sure what pH your soil is, you can buy a simple to use pH kit from your local garden centre. If the pH isn’t high enough add a bit of lime to sweeten the soil. Don’t add too much, or any if you don’t need it, because too much lime will mean you end up with small kūmara.

Now, it’s important that you raise a mound of soft soil for the kūmara to spread out in. Cultivate your soil with

Henri Ham

AWAPUNI NURSERIES

a rake and then mound it up into a hill around 40cm high.

Next make a small trench approximately 5cm deep and lay the seedling so that the root is lying in the trench parallel to the top of the soil, rather than pushing the root down like you might with another vegetable. But make sure you bend the seedling so the leaves are sticking out of the top of the soil (a J shape). This will ensure the plant’s roots (via the leaves) get plenty of warmth from the sun.

Water gently around the plant – it’s important not to water forcefully as this might make the mound flatten out or the plant roll off the mound. Do this for the first few days and then ensure they get some water weekly. Depending on what summer is like this year you may not need to do any extra watering at all. But if it’s hot and dry keep an eye on things and water at least weekly.

Generally, try to lift the runners so they don’t put roots into the ground. The runners are the shoots that run along

you can expect to start digging into your crop. It’s important you harvest before the first frost. Around this time the leaves may start to yellow, which is a sign they’re ready. So, around four months after you’ve planted put your hand in the ground and gently see if the kūmara feels ready – this is called tickling!

When you know they’re ready, harvest very gently. Broken kūmara won’t store.

You may have to really follow the plant around with your hands under the soil to ensure they come out without breaking.

If you want to store them for a long time it’s important they are cured properly. This is when the starch is converted to sugar and a second skin is created that allows them to last longer in storage. If they’re cured well they can last for up to a year in storage. The professionals use temperature and humidity controlled storage sheds to do this but you can try and replicate this in a few ways.

Once they’re out of the ground keep them at a temperature of around 2530 degrees Celsius with high humidity (around 90 per cent) for at least seven days – including at night. If you need to increase the humidity, try putting them in a box and covering with a blanket or plastic with some holes in it. While you want it the ground off the main plant – much like humid and hot, you want air circulating so strawberries. Lifting them off the ground will stop them from putting roots down and they don’t go mouldy. When they’re cured wasting energy that could go into forming the skin should be harder and any bruises or cuts should be dry and clean looking. tubers.

Then store them in a dark place around However, if you want to increase the 14 degrees Celsius. You can also wrap each size of your plot you could let a couple of kūmara in newspaper or brown paper bags runners put roots down and then cut them – this will help provide air circulation and off and replant them. prevent them from rotting. Keep an eye on Kūmara need at least four months of them and remove them gently when you sunshine before they are ready to harvest. want to use them.

So, around February, March or April is when

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