Ashburton Guardian | Guardian Property | July 19, 2019

Property July 19, 2019

& LIFESTYLE

Love

AT FIRST SIGHT

Proudly marketed by Bayleys

CUBIC

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AND LANDSCAPE SUPPLIES

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Love at first sight 15A Hanrahan Street, Allenton Appealing modern decor with updated kitchen and bathroom with all the bells and whistles, no expense has been spared.

This townhouse is heated by a heat pump in the living room and a panel heater in the hallway.

Two double bedrooms with wardrobes.

Internal access from single garage.

Car parking enough for an extra vehicle.

Classic stylish landscaping is easy care.

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OPEN HOME

Saturday, July 20 11am – 11.30am ALLENTON LOCATION

FRONT TOWNHOUSE

UPDATED THROUGHOUT

Great handy spot, close to Radius Millstream and upmarket subdivisions with well appointed walking tracks

Great street views and plenty of sun

Amazing transformation here; new kitchen, bathroom, floor and window furnishings with a modern outside landscaping

WE APPRECIATE YOUR FEEDBACK

Asking Price NZD $335,000

Jenny Gray

Phone 03 307 7377 or 027 452 2888 jenny.gray@bayleys.co.nz

bayleys.co.nz/5510429 WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008

ADVERTISING Emma Jaillet-Godin | emma.j@theguardian.co.nz | 03 307 7936

Luxaflex roller blinds

Specialist advice if you are building or renovating.

Rosa Watherson Chatham

FURNISHINGS | FLOORING | CURTAINS

Lourdes

Silkroad

dip. interior design

Burnett Street, Ashburton Phone (03) 308 5269 | www.redmonds.co.nz

Paying off

15

the mortgage

By Ashley Church nzme

Owning your own home, mortgage free by the time you retire is probably the minimum prerequisite for anyone who wants to live comfortably in their golden years. So, what I’m about to suggest may come as a shock to you Paying off the principal on your loan, over the lifetime of the loan, isn’t necessarily the best way to pay off your mortgage by retirement.

Surely such a statement is sacrilege?

For as long as I can remember, the importance of paying off the mortgage before we retire has been drummed into us, as a mantra. But my suggestion isn’t challenging that idea – just the way in which we achieve it.

Consider the way that a mortgage usually works. You borrow a sum from the bank, which is secured against your home, then, over the lifetime of the mortgage you repay the original sum borrowed and also pay interest on that sum. In most cases that mortgage will be structured as something called a “table mortgage”, which simply means that the bank factors in the reducing cost of interest as you pay off more principal and calculates it as one consistent payment, per month, throughout the life of your mortgage.

But what if you didn’t repay the original loan, only the interest? How could this work? Well it all comes down to capital growth and the history of cycles in the New Zealand property market.

Consider this: when my mum and dad built their own home in Napier in 1970 it cost them $30,000. They didn’t actually need all of that as they paid a deposit of $4000 toward the home, but for the purposes of this exercise let’s assume that they borrowed the whole sum and that the house was worth the same amount: $30,000.

In 1980, 10 years later, their home was worth pretty much what they paid for

it in 1970, but in each of the following four decades the house more than doubled in value and is currently worth around $525,000. Mum sold that house a few years ago but these numbers mean that, instead of struggling away to pay off the principal back in the ’70s and ’80s (a lot of money at the time), she could have simply paid off the original $30,000 loan sum from the proceeds when she sold the house.

A small amount, relative to what the house actually sold for.

The story gets even more compelling for property investors. If you purchase three or more properties over your lifetime and hang on to them, then chances are that the resale of one will pay off the mortgage on the others, even if you only ever pay interest on the loans against all three.

The longer you own property the more this strategy works in your favour, and the reality is that most

people probably wouldn’t wait until retirement until making that final lump sum payment. As in my mum’s case, the original mortgage sum had become so small that she could probably have repaid it earlier if she had chosen to do so.

This strategy isn’t for everyone, of course. For starters, it requires a belief in the concept of “property cycles” and a degree of confidence that these will continue into the future. For others, the change in mindset from “paying off the mortgage” to “paying only the interest” is simply too much to get our head around and seems more like wizardry than economics.

Some will also point out that you would actually end up paying more, in nominal terms, if you only paid interest and repaid the original sum borrowed, as a lump sum at the end of the same period you’d have paid off a traditional mortgage. This is true. The $30,000

my mum and dad borrowed would have cost them around $58,000 over 30 years at 5 per cent - but $75,000 if they only paid interest throughout the life of the loan and repaid the principal at the end. But this is overwhelmingly offset by the effect of inflation and in real terms they’d have ended up paying dramatically less.

Of course, it isn’t a given that a bank would allow you go interest only for a prolonged period, if at all. Generally, bank policy is to only allow mortgages to be interest only for up to five years – and some banks will allow interest only for investors but frown upon it as a strategy for owner occupiers.

For all of these reasons going interest-only isn’t right for everyone, but for those keen to save some money, or to divert it to other purposes, it’s well worth a second look.

New Homes Alterations New Home Light Commercial Alterations New Homes New Homes New Homes New Homes Light Commer Earthquake Alterations Alterations Alterations NewAlterations Homes New Homes strengthening and Light Commercial Alterations Earthquake Light Commercial Alterations Light Commercial Repairs, andLight Compliance.

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strengthening Repairs, and Compliance.

Phone Repairs, andand Compliance. strengthening and Repairs, and Compliance.

Repairs, and Compliance.

(03) 303 Repairs, and9830 Compliance.

Phone Phoneor Phone (03) 303 9830 or(03) 303 9830 or 0800 500 564 0800 500 Phone 564 0800 (03) 500 564303 9830 Phone Phone 0800 E:(03) josephbuilders@xtra.co.nz 303 9830 or 500 564 Email: josephbuilders@xtra.co.nz Email: 9830 josephbuilders@xtra.co.nz (03) 303 303 9830or or W: (03) www.josephbuilders.co.nz 0800 500 564 Email: josephbuilders@xtra.co.nz 0800 500 564 0800 500 564

Email: josephbuilders@xtr

Allenton 40 Saunders Road

Allenton 86 Creek Road

Bonus rumpus

3

Three bedrooms plus a rumpus room with many options. There are six solar panels on the roof, a compliant log burner and heat pump. The ceiling has double insulation and there is also insulation under floor. A higher than normal double garage.

Asking Price $365,000 View Sat 10.45-11.15am or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

bayleys.co.nz/5510121

Spacious and comfortable

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This home offers a large split level open plan living space, large bedrooms with built in wardrobes, two bathrooms plus a bonus study. A great big family home on a fully fenced section with a double garage and sheds.

For Sale offers invited over $355,000 View Sat 11-11.30am or by appointment Sarah Everist 021 0828 5816 Eliza Waszczak 021 039 1770

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

bayleys.co.nz/5510394

NEW LISTING

Allenton 15A Hanrahan Street

Allenton 183 Harrison Street

Love at first sight

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Townhouse in Allenton. Up to the minute interior with updated kitchen and bathroom. Two double bedrooms with wardrobes. Internal access from single garage. Car parking enough for an extra vehicle.

Asking Price $335,000 View Sat 11-11.30am or by appointment Jenny Gray 027 452 2888 jenny.gray@bayleys.co.nz

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

Amazing outdoor entertaining

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A comfortable family home. Updated throughout and with a compliant log burner and HRV system.

Large elevated deck at the back of the house. Fully fenced section with a double garage and double carport.

Asking Price $380,000 View Sat 12.45-1.15pm or by appointment Sarah Everist 021 0828 5816 sarah.everist@bayleys.co.nz

bayleys.co.nz/5510429

bayleys.co.nz/5510507

Allenton 15 Allens Road

Allenton 11B Cross street

Different from the rest

3

This property has been stripped back to framework, strengthened and straightened, new Rhondo steel stud system installed, fitted with Earthwool insulation, completely re-wired with LED lighting.

For Sale offers invited over $320,000 View Sat 12-12.30pm or by appointment Sarah Everist 021 0828 5816 Eliza Waszczak 021 039 1770

bayleys.co.nz/559906

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

Centre West

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Tidy townhouse on a private rear, easy care section handy to Ashburton's CBD and local amenities.

Generous size living room flowing into a conservatory to view the lovely plantings. Double garage attached.

Asking Price $360,000 View Sat 10-10.30am or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

bayleys.co.nz/5510231

ALTOGETHER BETTER We’re extremely proud of our talented Mid Canterbury Team.

The highly skilled salespeople that we have across all areas of property means we are confident in promising the best service and skills to all clients in the area.

Whatever your property needs, contact our team today.

Jock Fulton 027 607 2555

Jenny Gray 027 452 2888

Ray Knight 027 434 0139

Eliza Waszczak 021 039 1770

Sarah Everist 021 082 85816

Mick Hydes 027 437 9696

Fee Ensor 021 705 014

George Morris 027 212 8668

Nick Young 027 437 7820

Mike Preston 027 430 7041

Jon McAuliffe 027 432 7769

Simon Sharpin 027 631 8087

Bayleys Ashburton | 03 307 7377 |

John Lamb 022 171 8321

ashburton@bayleys.co.nz

WHALAN & PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008

A LT O G E T H E R B E T T E R

bayleys.co.nz

Re s i d e n t i a l / Co m m e rc i a l / R u ra l / L i fe st y l e

Netherby 64 Bridge Street

Netherby 32 Albert Street

Solid and classic home

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Open plan kitchen and dinning area, a large separate living room which can open up to create one large living space. Heated by log burner and heat pump.

Bedrooms all with built in wardrobes. Single garage with workshop.

For Sale $350,000 View Sat 11.30am-12pm or by appointment Mick Hydes 027 437 9696 Sarah Everist 021 0828 5816 WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

Entertainers delight

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This fabulous property has a generous sunny living space, an open plan dining room and a well equipped kitchen. A huge partially covered deck great for relaxing outdoors and enjoying the beautiful gardens. Spacious double garage.

For Sale $480,000 View Sat 12.15-12.45pm or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz

bayleys.co.nz/5510314

bayleys.co.nz/5510272

Hampstead 38 Eton Street

Tinwald 69 McMurdo Street

Cottage on Eton

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Investment with future potential. Long term tenant is keen to stay if possible. The roof has been replaced with color steel and the wiring has recently been replaced as well. The cottage is 90sqm and sits on a 500sqm street facing section.

Asking Price $210,000 View by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz

bayleys.co.nz/559250

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

Top value

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Looking for a first home or a rental property? This house has been upgraded with a compliant woodburner, carpet and decorating in a neutral palette which gives this home a nice modern feel.

Asking Price $260,000 View by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz

bayleys.co.nz/5510212

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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

Tinwald 70 Johnstone Street 3

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Price by Negotiation View by appointment Jon McAuliffe 027 432 7769 jon.mcauliffe@bayleys.co.nz Simon Sharpin 027 631 8087 simon.sharpin@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008

Room for everything Lifestyle property consisting of 2.0790ha (more or less). This two storey home has three bedrooms, main with en-suite, open plan kitchen/dining and large living areas are heated with heat pumps and an open fire.

A one bedroom sleep out with a living room is attached to a double garage plus the added bonus of a 20 metre x 14 metre fully enclosed Totalspan shed.

- The home and all sheds plus approximately one hectare Subject to Survey: - $585,000 GST inclusive - Bare land of approximately 1 hectare Subject to Survey: - $230,000 GST inclusive

bayleys.co.nz/5510211

Mayfield Panthers Rock Asking Price $550,000 View by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008

Panthers Rock Sale includes land and building plus stock at valuation. Superior country pub now operating as a cafe', bar and restaurant.The property is located on the north eastern side of the Arundel Rakaia Gorge Road (the Inland Scenic Route) in the rural Mid Canterbury township of Mayfield. Mayfield is a large developing rural area with a growing population.

Panthers Rock enjoys the benefits of catering to locals and many travellers using the Inland Scenic Route.

It has maintained # one spot on 'Trip Advisors' ratings for restaurants in the Ashburton district for the past two years.

An outstanding and enviable feature of Panthers Rock is the available space.

bayleys.co.nz/5510184

bayleys.co.nz

18

Six tips to a successful move

Mortgage rates

4.35

%

P.A.

2 years

4.35

%

P.A.

2 years

3.85

%

P.A.

2 years

4.99

%

By Nicole Anzia nzme

What is the worst thing about moving?

It’s a tough call. Purging is stressful, packing is physically draining, moving your belongings is exhausting, and unpacking can be arduous — especially after all you’ve accomplished to just get to that point. Here are some tips to help simplify the process.

Review measurements Whether you’re buying or renting, make sure you have accurate measurements of all the rooms and storage areas in your house. If you don’t have a floor plan with measurements, measure before you move.

Think through where it makes most sense to place everything, whether it’s furniture or lightbulbs.

If you don’t do any planning, items will either be stashed in the nearest cabinet or closet in a rush to empty moving boxes, or they’ll be unpacked but not put away — creating clutter in your new home.

If you have a clear idea of where everything will go, there will be fewer decisions to make on moving day and less rearranging required in the weeks and months that follow.

Prep storage spaces If there are any closets or other storage spaces that need painting, do

Specialists in: • Air Conditioning/Heat Pumps

that before you move in. You won’t want to do it after you’re settled. To expedite unpacking in the kitchen, install drawer and cabinet liners to protect surfaces before your move. This is a lot easier to do before you begin to unpack.

If you’re absolutely certain where items such as silverware, spices and food will be stored, you can buy drawer dividers, a spice rack and pantry bins, but these can also be easily installed after the move.

However, if you’re planning to use industrial shelving in an unfinished basement or garage, it is helpful to have those shelves built, and in place, before your move.

Having surfaces ready to hold bins and boxes will make it easier to get everything off the floor, giving you space to move.

Label the right way Label boxes according to the rooms where they will be unpacked at the new house, instead of the location where the contents were stored in your previous home. Label the boxes both to indicate what is inside and where it will go.

I realise this sounds elemental, but it is common for boxes to be labelled vaguely, with only the destination specified, and then no one can find a plate or a glass among the 30 boxes

labelled “kitchen”. Place a box cutter in each room so that you’re not searching for the one or two pairs of scissors floating around the house. Put one or two empty boxes in each room to hold packing paper and bubble wrap as you unpack. Break down the other boxes as you empty them.

Only take what you want Make arrangements to get rid of unwanted furniture and other household items well in advance of your move. It’s a waste of time and money to have movers haul items you ultimately don’t need or want.

Even as you’re feeling overwhelmed by the multitude of decisions that moving requires, take some time to choose what will go with you and what you can part with ahead of time.

Donation pickups, especially for bulky pieces of furniture, usually need to be made a few weeks in advance, so put this at the top of your to-do list after you’ve signed a contract on a new home.

Create a schedule Create a plan for unpacking. It will be tiring work and will probably take longer than you think — at the very least a few days and probably a few weeks. Prioritise unpacking the most important items. Boxes for the kitchen, the bathrooms and linens for each

YOUR DIY REPAIRS YOUR WAY

Ready to build your dream

If you need to do any repairs around your home, just hire tools from us!

• Refrigeration • Ventilation

www.stewartandholland.co.nz

4.79

%

588 East Street, Ashburton Phone 03 308 8061 info@ashburtonuhire.co.nz www.ashburtonuhire.co.nz

OPEN 7 DAYS

P.A.

2 years

*At the time of printing bedroom should be unpacked first.

And if you discover broken valuables, photograph them immediately so you can seek reimbursement from the moving company.

Reduce waste Notify your new neighbours, friends and family that you have moving boxes to give away. This is a win-win for everyone — and the environment.

Unpacking after a move is like running the last ten kilometers of a marathon. If you’ve paced yourself and made a plan, you’ll feel triumphant and energised once the work is done. But if you’ve worn yourself out getting to the 32 kilometers mark and haven’t strategised about how to get over the finish line, you are likely to feel frustrated and overwhelmed.

If a home of excellent design and exceptional quality of workmanship is important to you, then look no further than Des Millar Construction. The quality home builders.

• Electrical & Appliances

Phone 308 7182 On-call 021 597 517 211/D Alford Forest Rd, Ashburton

2 years

Today’s construction is tomorrow’s legacy

• Dairy Farm Refrigeration

Come and see us today.

P.A.

• Registered James Hardie installer • Residential, commercial or farm buildings • Quality workmanship

RTO Construction Ltd Rodney Grant 027 634 1631 rtoconstruction@yahoo.co.nz facebook.com/rtoconstruction

 Housing  Commercial  Farm  Renovations

With more than 30 years of building quality homes for the Mid Canterbury community, Des has a strong reputation for “old school” workmanship, backed by results.

For housing, Commercial, farm buildings and renovations, contact Des anytime for a free no obligation quote on 03 308 9936 or 027 432 3258

33 Lane Street

$305,000

117 Creek Road

$311,000

OPEN HOME SATURDAY, JULY 20 10.45AM – 11.15AM

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91 Creek Road

4 Whiteoak Grove

3 Good sized bedrooms Modernized kitchen with bay windows Open plan living with modern carpet Heat pump and Pellet fire Lovely tiled bathroom, pedestal basin

OPEN HOME SATURDAY, JULY 20 10.45AM – 11.15AM

When it comes to location this home will be hard to beat your living in the country but your in town.

Walk-in wardrobe and en-suite off main bedroom, separate bathroom with shower, bath & vanity Open plan kitchen, dining and living separate good sized lounge, Double garage internal access, Walk-in pantry Lawns, paths, patios & fencing will be completed.

$585,000

11c Wills Street

Neg over $395,000 OPEN HOME SATURDAY, JULY 20 10AM – 10.30AM

OPEN HOME SATURDAY, JULY 20 10AM – 10.30AM

OPEN HOME SATURDAY, JULY 20 11.30AM – 12 NOON

• Looking for a property to call your own, this entry level property would make a great first home, or super investment property to get you onto the property ladder. Current tenants are keen to stay so your first investment will be all ready to go.

• Two double bedrooms, kitchen dining and separate living heated via a heat pump for all year-round comfort.

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132 McMurdo Street

4 Bennett Place

Offers over $218,000

Neg over $618,000

OPEN HOME SATURDAY, JULY 20 10AM – 10.30AM

This property not only presents an excellent investment opportunity given its proximity to the Allenton amenities but would be equally well-suited as a retirement/first home The versatile layout features two bedrooms and open plan dining/ living which is sun-drenched and updated heat-pump and living area flooring.

Offers over $215,000

6 Kelburn Place

A smart decision for easy living 4 bedrooms Master with spacious WIR and light and bright ensuite Two heatpumps for year round comfort Beautiful spacious kitchen with butler’s pantry

OPEN HOME SATURDAY, JULY 20 11.30AM – 12 NOON

Neg over $585,000

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144sqm townhouse, land area 408sqm 2 good sized bedrooms, one up one down Good sized open plan kitchen/dining/living area Bigger than normal garage with plenty of room for cars, work bench and golf clubs

2/179 Harrison Street Neg over $289,000

OPEN HOME SATURDAY, JULY 20 10.45AM – 11.15AM

Whether you’re a first home buyer, investor or just wanting an affordable home then this well maintained character home will not disappoint.

It has 3 Bedrooms, 1 Bathroom, separate laundry with open plan living, it has a log burner with wetback for those cooler months.

When it comes to location and presentation this home is hard to beat.

Located in a very quiet cul-de-sac where homes rarely come on the market. Check out the specification.

• 231 m2 four–bedroom home • Three–car garaging (access through roller door to backyard)

• • • •

43 Braebrook Drive Neg over $565,000

206 Seafield Road

31 Douglas Drive

• A large open plan kitchen, living and dining area with a great paved area for outdoor entertaining • Fantastic storage in this functional, modern kitchen with a walk-in pantry • Four bedrooms,master bedroom has ensuite and walk-in wardrobe • 2 heatpumps to keep you warm in winter and cool in the summer

Proud to present this immaculate lifestyle living which is close to town. Land area is 2.0234 ha divided into 7 paddocks.

All fencing is of a good standard. Also has its very own dressage ring.

Property is well set up for horses.

Relax, Entertain and Enjoy • 4 true double bedrooms, with huge wardrobes • His and hers walk in wardrobe, shoe rack, mirror & storage • Ensuite has tiled walk-in double shower with separate toilet • Main bathroom has freestanding bath, walk-in tiled shower, & vanity

89 Thomson Street

4/86 Burnett Street

6/86 Burnett Street

Neg over $218,000

• DIY or Investment Property • Are you looking for your first home or investment? Here is an opportunity for you!

• This affordable 2 bedroom with sunroom or possible 3rd bedroom home may be just what you are looking for.

Neg over $665,000

$465,000

Prime location, Prime Opportunity • 6 Brand New Townhouses so close to Town. Completion anticipated in October • 3 Bedroom • Open plan Kitchen, dining and living area with great indoor/ outdoor flow

3 Bedrooms Updated Carpet Separate games/ living area Heat pump and Fully insulated

• Top location • 160sqm

Neg over $849,000

$460,000

Prime location, Prime Opportunity • 6 Brand New Townhouses so close to Town. Completion anticipated in October • 3 Bedroom • Open plan Kitchen, dining and living area with great indoor/ outdoor flow SBW DEVELOPMENTS LTD LICENSED UNDER THE REAA 2008

MARK WILLIAMS Sales Consultant PHONE 027 442 2281

DEBBIE BOON Sales Consultant PHONE 027 448 4006

THERESA HISLOP Sales Consultant PHONE 027 514 1330

SHERYL BOTHA TEAM ADMINISTRATOR PHONE 03 307 4222

326 EAST STREET, ASHBURTON 03 307 4222

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Property

GUARDIAN

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Ashburton

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SHOW HOME

03 308 5325

0274 367 986

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www.g-drussellbuilders.co.nz

Licensed Builder • Registered Master Builder

G. & D. Russell Builders Ltd

• New housing • Additions and renovations • All types of maintenance • Commercial and farm buildings Our experienced team can meet your needs. Call us today!

Build with confidence.

Build with us.

Tinwald

g-drussellbuilders@xtra.co.nz

12noon–3pm . . . . . . . . . . . . . . . . . 8 Whiteoak Grove

SATURDAY BY APPOINTMENT ONLY SUNDAY

TINWALD 8am–5pm . . . . . . . . . . . . . . . . . . 8 Whiteoak Grove

MONDAY - FRIDAY

J

METHVEN 11-12noon ..................................................4 Mays Lane

SUNDAY

ASHBURTON 10-10.30am ........................................... 117 Creek Road 10-10.30am .......................................... 11c Wills Street 10.45-11.15am .........................................33 Lane Street 10.45-11.15am .......................................4 Bennett Place 11.30-12noon .......................................... 91 Creek Road

ASHBURTON 10-10.30am ......................................... 11B Cross Street 10.45-11.15am ................................... 40 Saunders Road 11-11.30am ....................................15A Hanrahan Street 11-11.30am .............................................86 Creek Road 11.30-12noon .......................................64 Bridge Street 12-12.30pm ............................................15 Allens Road 12.15-12.45pm ..................................... 32 Albert Street 12.45-1.15pm ...................................183 Harrison Street

TINWALD 10-10.30am .......................................4 Whiteoak Grove 10.45-11.15am .......................................6 Kelburn Place 11.30-12noon ..................................132 McMurdo Street

SATURDAY

SATURDAY

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Open Homes

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