Ashburton Guardian | Guardian Property | September 20, 2019

Property

September 20, 2019

& LIFESTYLE

Quite

THE CATCH

Proudly marketed by First National

FURTHER DETAILS

TALBOT SECURITY GROUP Home and Business Solutions • • • •

Alarm Installation Alarm Servicing Alarm Monitoring Alarm response and patrols

E - operations@talbotsecurity.co.nz P - 03 307 2409 anytime 24/7

P12

12

Quite the catch 5a Allison Street Every detail has been thoroughly thought of in this immaculately presented 4 bedroom property.

From the higher stud through to the bigger sized double garage.

The main living has been built for the all-day sun and flows seamlessly through to the second living area, both of which flow to the manicured backyard.

A log burner features in the living with the added bonus of a large heatpump. The kitchen also has

access to the outdoors for a morning cuppa at the café setting and quick access to the herbs!

A functional kitchen with stone benches for all the foodies to enjoy. Four lovely bedrooms will accommodate the family with plenty of room in the 7 x 7.2m double garage for the boat or two large vehicles.

A garden shed for extra storage what more can you ask for?

4

2

2

OPEN HOME

Saturday, September 21 11.30am – 12noon

$589,000

Debbie Boon

Phone 027 448 4006 firstnational.co.nz/ 16026104067 SBW DEVELOPMENTS LTD LICENSED UNDER THE REAA 2008

WE APPRECIATE YOUR FEEDBACK

ADVERTISING Sonia Gill | sonia.g@theguardian.co.nz | 03 307 7976

SWISSTEK Gretel West ShoreLATEX Chiropractic QueenSize Size Mattress & Base Queen Mattress & Base

NOW 949 NOW$2,$3,399

% 50 50 %% 50 OFF OFF OFF

WAS $5,899

SWISSTEK Serenity Z LATEX SeriesGretel 3 QueenSize Size Mattress & Queen Mattress & Base

Base

NOW 949 NOW$2,$2,099

% 50 50 %% 50 OFF OFF OFF

WAS $6,799

WAS $5,899

MediumFeel to Plush Feel Medium • Endorsed by the New Zealand Chiropractors’ Advanced pocket spring technology, Association for excellence in postural design. greatly reducing partner disturbance, for • Torquezone coil technology and temperature optimal and undisturbed sleep

Firm Feel Medium Feel • The Z Series employs Sleepyhead’s impressive stateAdvanced pocket spring technology, of-the-art 3-zoned support system. greatly reducing partner disturbance, for • Advanced and innovative optimal and undisturbed sleep pocket spring system of

WAS $4,199

regulation of KülKõte, this is the bed for you.

SWISSTEK Serenity Z LATEX SeriesGretel 6 QueenSize Size Mattress & Queen Mattress & Base

Base

NOW 949 NOW$2,$2,199

alternating zones.

% 50 50 %% 50 OFF OFF OFF

WAS $5,899

WAS $4,399

Medium Feel Medium Feel • Independent pocket spring technology that reduces Advanced pocket spring technology, partner disturbance. greatly reducing partner disturbance, for • The Zand Series 6 is created for your support, your comfort optimal undisturbed sleep (medium feel) and your dreaming.

SWISSTEK Serenity Z LATEX SeriesGretel 8 QueenSize Size Mattress & Queen Mattress & Base

Base

NOW 949 NOW$2,$2,299

% 50 50 %% 50 OFF OFF OFF

WAS $5,899

WAS $4,599

Medium Feel Medium Feel • For those seeking the ultimate comfort 8 blends the Advanced pocket spring technology, natural luxurypartner of Wool. greatly reducing disturbance, for • Fusion we’ve ensured optimal andGel, undisturbed sleep better pressure relieving capability and heat absorbing.

PHONE 03 550 7000 ADDRESS 28–32 MOORE STREET, ASHBURTON WEBSITE WWW.BEDSRUS.CO.NZ

13

Cool

reusable totes

With the announcement that single-use plastic shopping bags were going to be banned in New Zealand from July 1, 2019, the opportunity arose to add some pretty stylish totes to your collection.

But, of course, it’s all in the name of helping to reduce the scourge of plastic heading into our landfills and oceans.

The Ministry for the Environment says New Zealanders have made a rapid transition to reusable bags, with 56 per cent of shoppers in April, 2018, bringing reusable bags increasing to 91 per cent always/often bringing their own reusa-

CUBIC

5 WAS $9 8 NLY $7 O W O N

METRE

AND LANDSCAPE SUPPLIES

ble bag in September, 2018, according to a survey.

We’re all guilty, at times, of arriving at the checkout with an armful of groceries and remembering you left the reusable bags in the car. But, what if you had a bag already handily stashed away in your handbag you could pull out and instantly save the need for buying a replacement?

Whatever you’re into, there’s a design and a style for you and a quick search in stores and online will find you the perfect match.

There’s a huge range of foldaway

8

0 WAS $1

CUBIC

0 NLY $9 O W O N

METRE

bags on the market that easily roll up into a tidy little pouch – you may even have the adorable pocket-sized strawberries, lemons and watermelons from a recent supermarket promotion. If you missed out on one, there’s plenty more designs out there to discover, so have a look.

There are even special farmers’ market bags that contain a whole range of compartments so you can stash your produce in their own space, yet only carry one jute.

The options don’t stop at carry bags.

There’s also mesh and netted creations

CUBIC

5 WAS $5 5 NLY $4 O W O N

METRE

designed to store your fruits and vegetables without the need for those pesky small bags.

Online, you can even buy deluxe cotton tote bags, and arrange for your own favourite saying, catch-phrase or logo to be emblazoned on the side, or look to purchase a sturdy, biodegradable hessian jute. If you’re feeling creative, there’s lots of patterns available online so you can produce your own design.

It’s goodbye single-use plastics and hello to that favourite old message; reduce, reuse, recycle.

WAS

E

ER BAL

P $8.50

.50 NLY $6 O W O N

Allenton 40 Saunders Road

Allenton 23 Andrew Street

Bonus rumpus

3

Three bedrooms plus a fully lined and insulated rumpus room with excellent lighting. There are six solar panels on the roof to ensure energy costs are kept down, a compliant log burner and heat pump.

Asking Price $345,000 View Sat 1-1.30pm or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz

bayleys.co.nz/5510121

1

1

2

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

What better recommendation

2

The fact that our owners have enjoyed this attractive property for almost 30 years comes as no surprise.

The reasons are many, handy Allenton location, amazing garden and sunny low maintenance home.

Price by Negotiation View by appointment Jenny Gray 027 452 2888 jenny.gray@bayleys.co.nz

bayleys.co.nz/559919

2

1

1

1

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

FINAL NOTICE

Ashburton 271 Cameron Street

Allenton 25 Harrison Street

Sunny aspect

3

Attractive brick home on a sunny corner section close in on the East side of Ashburton town. Sunny living areas. Easy care 533sqm section with new landscaping. Detached single car garaging. Ideal for a first home buyer, a retirement home or investment.

For Sale by Deadline Private Treaty

bayleys.co.nz/5510747

1

1

1

(unless sold prior)

2pm, Tue 24 Sep 2019 201 West St, Ashburton View Sat 10.30-11am or by appointment Ray Knight 027 434 0139

Better than money in the bank

2

Exceptionally tidy property. All new wiring, switch board and plumbing. Insulation underfloor and in the roof. New kitchen, bathroom and floor coverings.

Heating is a compliant wood burner and a heat pump. Walking distance to shopping centre.

Asking Price $289,000 View by appointment Jenny Gray 027 452 2888 jenny.gray@bayleys.co.nz

1

1

1

1

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

bayleys.co.nz/5510650

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

Netherby 69 Albert Street

Netherby 32 Albert Street

Future development

4

• • • • •

Price by Negotiation View by appointment Mike Preston 027 430 7041 Austen Russell 027 441 7055

Sub dividable 8.0 hectare lifestyle property Excellent prospect for future development Close to all the town amenities Home sits in a spectacular garden setting Quality soils and irrigation

2

2

2

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

bayleys.co.nz/559251

Entertainers delight

4

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

1

1

2

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

bayleys.co.nz/5510272

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.

Pete Whalan 021 723 005

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

MOTIVATED VENDOR

Mayfield Panthers Rock

Netherby 64 Bridge Street

Number one spot

Much loved, time to go

3

Open plan kitchen and dining 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

Sale includes land and building plus stock at valuation. Superior country pub operating as a cafe', bar and restaurant. Located on the north eastern side of the Arundel Rakaia Gorge Road in Mayfield, a rural area with a growing population.

bayleys.co.nz/5510184

Asking Price $550,000 View by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

2

1

1

2

WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008

bayleys.co.nz/5510314

Ashburton Surrounds Ashburton Staveley Road Asking Price $295,000 + GST (if any) View by appointment Mike Preston 027 430 7041 mike.preston@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008

Premium bare land If you are looking for spectacular views of the Southern Alps then this block is the potential location for your dream home.

This property provides a generous 2.0 hectare bare land block on quality Wakanui silt loam soils with power available at the boundary and new fencing.

Build your new home just minutes from town and amenities yet still enjoy the best aspects of rural life.

Resource consent to build is required.

bayleys.co.nz/559730

Methven Highbank School Road 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

Rare opportunity • • • • • •

Bare land consisting of 20.2342 hectares more or less Excellent soils - deep Templeton silty loams Versatile block offering arable, grazing or finishing Stunning views to Mt Hutt for your new build Most sought after area Entry level or add-on opportunity

bayleys.co.nz/557917

Waimate Surrounds 415 Upper Hook Road 4

1

1

For Sale $2,450,000 + GST (if any) View by appointment Mark Parry 027 433 0350 mark.parry@bayleys.co.nz Nick Young 027 437 7820 nick.young@bayleys.co.nz George Morris 027 212 8668 george.morris@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008

Options a plenty - 191.9238ha 'Hook Bush' on Upper Hook Road has recently been developed with a modernised character home, new water scheme, deer fencing and tracking. Not only has the farm had extensive improvements added but the homestead, originally circa 1900's has had a revamp and upgrade. It has an open plan kitchen/dining/living area with a modern kitchen, separate lounge, four good sized bedrooms and overall exudes character. Complemented, by a quality range of farm buildings. With a range of contours, this property could be utilised for deer, cattle or sheep grazing.

bayleys.co.nz/5510400

bayleys.co.nz

16

Bank

mortgage break fee concerns on the rise

Mortgage rates

4.09

% P.A.

2 years

4.09

%

By Tamsyn Parker nzme

The number of people reporting concerns about the fees charged for breaking a fixed–term mortgage with their bank is on the rise as mortgage rates fall.

Figures supplied by the Banking Ombudsman show there were a total of 27 complaints, inquiries and disputes in the first seven months of this year relating to early repayment charges–one more than the 26 reported in the whole of 2018.

Banks charge a break fee when a mortgage holder ends their term early to switch to a lower interest rate.

Fixed home loan rates have been falling in the wake of cuts to New Zealand’s official cash rate and declining wholesale borrowing costs for the banks.

Reserve Bank data shows that the average two–year fixed–term mortgage rate advertised has fallen from 5.1 per cent in August, 2017, to 4.7 per cent last month.

Last week the major banks also cut their two–year fixed–term mortgage rates again with Kiwibank offering a record low two–year fixed–term rate of 3.65 per cent, beating its nearest rival ASB, which is offering 3.69 per cent.

Banking Ombudsman Nicola Sladden said it typically saw complaints go up following a drop in mortgage rates by banks.

“Customers understandably want to lock in cheaper rates, but they need to understand that there are costs involved in breaking the contract early – both through break fees and cash contributions that need to be repaid.”

The last time the Banking Ombudsman reported a spike in complaints was in 2015 after rates began falling.

It received 100 inquiries, complaints and disputes in that year alone.

The Banking Ombudsman only deals with a fraction of the complaints and

P.A.

2 years

4.35

%

P.A.

2 years

4.79

% P.A.

2 years

4.09

% P.A.

2 years

disputes that banks get as consumers have to go through a complaints process with their bank first before the ombudsman can handle the case.

The ombudsman received seven cases in June–the highest number in a single month for a while–and found there were consistent themes coming though which related to customers being given a quote for break fees but then finding the break fees were different by the time the transaction went through, customers not appreciating that cash contributions would need to also be repaid and customers disputing the way charges have been calculated.

Sladden said its advice to consumers thinking about making changes to their lending was to get an estimate of the charges first and to carefully check the timeframe for the estimate as some-

TM

times estimates were only based on a very short timeframe.

“Calculating early repayment charges involves a complex formula. Many–but not all–banks base the charge on the difference between the wholesale interest rate on the loan and the wholesale rate applicable when the loan is repaid early (other factors are also included in the calculation).”

Details about the charge and how it is calculated is set out in the loan documentation for the mortgage.

There is nothing stopping borrowers from trying to negotiate a lower charge, but banks are under no obligation to agree, a guide on the ombudsman website notes.

“Any reduction is entirely at banks’ discretion. Borrowers should assume banks will apply the charge in full.”

*At the time of printing

Sladden said when a customer asks their bank for estimates of break fees, they should also ask how long the quote is valid for, as they are generally time limited.

“Customers should also check their contracts and ask their banks about any obligations for other costs, such as repaying cash contributions.”

Sladden said it was difficult to say whether they were likely to see an increase in break-fee related complaints for the rest of 2019.

“If bank rates drop further, we are likely to see the same issues coming up again.”

Ashburton 7 Thomas Street

Neg at $372,000

4 Whiteoak Grove

$585,000

OPEN HOME SATURDAY, SEPTEMBER 21: 10.45-11.15AM

Spacious with 4 Bedrooms • 4 Double Bedrooms • Eco friendly log burner, heatpump and nightstore

• • • •

OPEN HOME SATURDAY, SEPTEMBER 21: 10-10.30AM

Moisture master transfer system Good sized dining & living areas Main bathroom has shower, bath and vanity Separate laundry

12 Kelvin Crescent

• A smart decision for easy living • Four bedrooms • Master with spacious WIR and light and bright ensuite

Offers $365,000

116 Tarbottons Road

43 Braebrook Drive

OPEN HOME SATURDAY, SEPTEMBER 21: 1-1.30PM

Family and Entertainers delight • The kitchen has an island bench, a gas hob and two ovens, quality appliances and a scullery making entertaining a dream • 5 Bedrooms, 3 Living areas, and an elegant family bathroom that is fully tiled

2 Magnolia Drive

Neg over $555,000 OPEN HOME SATURDAY, SEPTEMBER 21: 12.15-12.45PM

• • • •

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

29 Havelock Street

Offers over $395,000

64 Wills Street

$549,000

Offers over $535,000 OPEN HOME SATURDAY, SEPTEMBER 21: 12.15-12.45PM

• • • •

• • • •

Immaculate presentation 4 bedroom Master with ensuite and WIR Large stylish kitchen

108 Eton Street

OPEN HOME SATURDAY, SEPTEMBER 21: 10-10.30AM

This well-maintained, single level townhouse will hold appeal for those wanting to be central to all Ashburton amenities, affording you the benefits of this easy location with all the privacy you could wish for.

The large living area welcomes the all-day sun and opens out to the private backyard which is well established. Heated via a heat pump, it also has an HRV system for year-round comfort.

Two heatpumps for year round comfort Beautiful spacious kitchen with butler’s pantry Storage galore Double internal access garaging

$1,050,000

OPEN HOME SATURDAY, SEPTEMBER 21: 10.45-11.15AM

Generous living area which flows through to the dining/kitchen area and opens to the patio area which captures most of the days sun making it bright and welcoming.

The bathroom consists of a separate shower room but could easily be modernised. The original kitchen flows into the sunny dining area creating a magic space for the morning cuppa.

• • • •

Spacious living flowing to the outdoors Loads of storage Fantastic tiled patio’s Manicured gardens

$225,000 OPEN HOME SATURDAY, SEPTEMBER 21: 11.15-11.45AM

Priced to sell!

For the price of a unit you could own your own stand-alone first home.

Potential to use your imagination to turn this cute cottage with a veranda that covers the front patio into a pretty wee house.

11c Wills Street

Neg over $395,000

OPEN HOME SATURDAY, SEPTEMBER 21: 11.30-12NOON

Privacy and location • 171sqm home on a 430sqm section • 3 Bedrooms, Master has an ensuite and plenty of storage space • Open plan Kitchen, Dining and living area all with plenty of room to move around

• 144sqm townhouse, land area 408sqm • Two 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

SBW DEVELOPMENTS LTD LICENSED UNDER THE REAA 2008

MARK WILLIAMS Sales Consultant PHONE 027 442 2281

HELENA RATTEN Sales Consultant PHONE 027 457 7998

DEBBIE BOON Sales Consultant PHONE 027 448 4006

THERESA HISLOP Sales Consultant PHONE 027 514 1330

326 EAST STREET, SHERYL BOTHA TEAM ADMINISTRATOR ASHBURTON 03 307 4222 PHONE 03 307 4222

Property

GUARDIAN

F

F

F

F

F F

F

Ashburton

F

Tinwald

03 308 5325

0274 367 986

J

SHOW HOME

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.

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

SATURDAY BY APPOINTMENT ONLY SUNDAY

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

MONDAY - FRIDAY

J

TINWALD-RURAL 1-1.30pm ....................................... 116 Tarbottons Road

TINWALD 10-10.30am ...................................... 4 Whiteoak Grove

g-drussellbuilders@xtra.co.nz

LEESTON 1-1.30pm .................................. 48 High Street, Leeston 2-2.30pm ......................... 48 Woodville Street, Leeston

SUNDAY

TINWALD 11.30-12noon ....................................... 21 Wilkin Street

ASHBURTON 10-10.30am ..................................... 29 Havelock Street 10.45-11.15am ...................................... 7 Thomas Street 10.45-11.15am .................................. 12 Kelvin Crescent 11.15-11.45am........................................ 108 Eton Street 11.30-12noon ........................................ 64 Wills Street 1.30-12noon ....................................... 5a Allison Street 12.15-12.45pm .................................... 2 Magnolia Drive 12.15-12.45pm ................................ 43 Braebrook Drive

ASHBURTON 10.30-11am .................................... 271 Cameron Street 11.30-12noon .......................................64 Bridge Street 12.15-12.45pm ..................................... 32 Albert Street 1-1.30pm .......................................... 40 Saunders Road

Ashburton

SATURDAY

F

Open Homes SATURDAY

F