Issuu

Property October 12, 2017

& LIFESTYLE

Like living in paradise!

Proudly marketed by Bayleys

FURTHER DETAILS

Precision In Excavation

• Site works • Carparks • Driveways

• Paths & patios • Demolition • Landscape • Foundation • Drainage levelling excavation • Site clearing + so much more www.jansenandbraas.co.nz | jansen.braas@icloud.com Alex Braas – 021 716 165 | Ilco Jansen – 021 554 584

Like living in paradise! 9 Argyle Place, Allenton Quality address here, sunfilled living/lounge with superb views across Argyle Park and beyond. Fabulous grounds with various fruit trees.

There are water radiators throughout the home, as well as tasteful carpets and drapes.

Three bedrooms, two toilets, a shower dome to stop condensation and double glazed windows.

To access documents we hold for this property please visit www.propertyfiles. co.nz/555742

DEADLINE SALE

This truly is a desirable property.

2PM, TUESDAY, OCTOBER 31, 2017 (UNLESS SOLD PRIOR)

bayleys.co.nz/555742

5 0 % 50%

SAVE

GE OF A HUGE RAN * BEDS!

Jenny Gray

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

Open Home Saturday, October 14 11.15am - 11.45am

SAVE

UP TO

APOLLO SUITE OFFER

· Luxurious Acacia leather NOW $6499 · Choice of colours WAS $9299 | SAVE $2800

Serenity Lily

Mix & Match Mattress & Base

• Nuvole Pure Comfort Fibre • Dreamfoam® • Latex Gold® • Pocket Spring

Bonnell Spring Unit. Proven Comfort and durability, provides additional comfort which is necessary for the body whilst offering enough space for free movement and great support.

Medium

Queen Set

Now $1799

Queen Set

Now $999

7000 ADDRESS 28–32 MOORE STREET, ASHBURTON PHPHONE 55003 550 7000 • 28–32 MOORE STREET

PAYMENTS

Mortgage rates

5.19

P.A.

2 years

4.99

Colourful coreopsis Coreopsis are a fantastic plant to grow at this time of year. Planted now, they will thrive in the summer sun – which, fingers crossed, should arrive at some point! Their love of the sun makes them super easy-care. Once planted, unless there’s a drought, they don’t need much watering at all. At Awapuni we stock three different varieties of coreopsis. Two are available in our established plant range (individual plants in 1.2L bags) and one (sunburst) as seedlings. All three varieties produce, bright, yellow, sunny flowers. Early sunrise has green leaves with golden-yellow, semidouble flowers. Rising sun produces double golden-yellow flowers with red

2 years

Once you’ve got your plants, be sure to grow them in the sunniest spot in your garden around 40 to 50cm apart. Give them a light watering and then let them do their thing.

AWAPUNI NURSERIES

eyes. And sunburst also produces goldenyellow, semi-double and double flowers. All three make great borders and lovely cut flowers. To see exactly what they look like and their differences, visit www.

5.29

awapuni.co.nz.

Henri Ham

When they start flowering be sure to deadhead (remove the dead flower heads) to encourage them to keep producing flowers. And in late summer you can either leave them to do their thing or cut them back by one-third to get them flowering again. Not all varieties of coreopsis are perennials. But all three varieties we stock are, so every two to three years in early spring you can dig up the plants, divide them and expand your garden.

5.45

www.guardianonline.co.nz

5.19

*At the time of printing

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

P.A.

2 years

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.

jennian.co.nz

P.A.

2 years

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.

www.facebook.com/ashguardian

P.A.

2 years

FOR THE HOME YOU’VE ALWAYS WANTED...

Check out Guardian publications for the latest news and reviews.

P.A.

bayleys.co.nz

Lay a solid financial foundation The importance of steel fibres and reinforcement in your physical home foundation is of paramount importance to the structural integrity of your building project, but long before you have prepared the site for the concrete to be poured, your financial foundation should be robust. Think of your new home build as a game of netball, and you’re at centre position, running amongst all of the other positions. In your defence section you have your lawyer and your insurance broker, putting up blocks and intercepting bad moves to ensure your dream home doesn’t become your nightmare. In your attack half you have your accountant and bank manager, putting the aggressive moves in place to ensure you score your goal. Winging around you are your builder and architect, setting up the plays and adjusting strategy as you progress so that your game plan results in victory. With this team of experts behind you, you have the power and knowledge to overcome any obstruction that may stand between you and building the home you desire.

Goal shoot – mortgage broker Fixed and variable rates might be the greatest differentiation between mortgage types, but there are a whole host of specialised products designed for different circumstances. While first-time buyers might not need all of these, it’s worth knowing the details for when you come across them during your research. The number of different types of mortgages available, when combined with the ‘industry speak’ used to describe them, can confuse even the most astute home loan rookie, so if you find yourself overwhelmed with different promises from different lenders, call time out and consult with your other team mates, your accountant or your lawyer, on the best option for your personal circumstances. Getting your finances sorted prior to investigating land and build costs is important, because you will have an exact approved dollar value in mind, giving you the power of negotiation when it comes to buying your land.

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

When building a new home, you will not need the entire amount of the loan drawn down all at once. If you did this, you would be making interest repayments on the entire amount right from the start and not just on the amount needed at the time. If you need to borrow more funds later for improvements such as landscaping, you may be able to get your property revalued by your lender once the building is complete.

what is best for your financial future. While an insurance broker or mortgage provider are looking at what is in the best financial interest of their own commission or business, an accountant can look at what is best for you, according to your entire financial picture. They can recommend the best advice to take for your long-term financial health, which in the long run is the most important consideration.

Goal attack – accountant

Wing defence – architect

An accountant is important while building a new home because they can be the calm voice of reason during a storm of salespeople trying to sell you into their insurance or mortgage policies.

The stunning homes you see in glossy magazines are almost always customdesigned by licensed architects. They are the unique visions of men and women with the skill and knowledge to explore exciting and unexpected possibilities. However if your new home plans are purely driven

An accountant can take an objective point of view when it comes to looking at

SOMETHING SEPTIC? Well, if it’s not your wife we can help. We provide a fast and efficient service to Mid Canterbury • • • •

Septic tank cleaning all systems Grease traps Swimming pools Drain cleaning and jetting

Locally owned and operated

Come and see us today. 588 East Street, Ashburton Phone 03 308 8061 info@ashburtonuhire.co.nz www.ashburtonuhire.co.nz

OPEN 7 DAYS

Phone Darryl Burrowes on 03 308 5293 or 0274 333 563

by budget and value for money, you may prefer to rely on the simple plans of a turnkey style home provider, where everything is pre-designed and ready for you to simply walk through the front door. However if you are in the position to splash a little extra finance toward building a unique and visually breath-taking home, then the services of an architect more than pay for themselves in the long-run, and in many circumstances can save you money and improve your long-term financial wealth. Most importantly, hiring an architect gives you someone on your team who understands the process, listens to exactly what you want, and can and will look out for your interests. They are your advocate throughout the building process.

REMOVING MOSS, MOULD AND LICHEN IS AS EASY AS CALLING SMITHS PEST CONTROL

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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 or Phone Phone 0800 500 564 E:(03) josephbuilders@xtra.co.nz 303 9830 or 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 90 Smithﬁeld Road | Email: josephbuilders@xtra.co.nz 0800 0800500 500564 564 Email: josephbuilders@xtra.co.nz

0800 284 633

Goal keep – lawyer

Goal defence – insurance

Hiring a lawyer can indeed add a substantial cost to your building process, but the costs associated with not hiring a lawyer can be far far greater, especially when things go wrong.

Insurance is critical in every phase of life, from protecting your assets to ensuring your family is covered should tragedy strike. Building a home is no different, and thorough investigation of your insurance responsibilities is imperative to ensuring a smooth transition.

There’s a range of legal procedures to be completed when you buy a house. Your lawyer will check contracts, make sure the property’s title is in order, transfer the property to your name, arrange valuations and reports, and register your mortgage on the property title. Your lawyer will make sure you understand your rights and liabilities every step of the way, and can be a second set of eyes over plans, insurance details and contract paperwork to make sure everything is covered. They can also help you to make a will and power of attorney, and with arrangements for your loan and insurance. Your mortgage provider may require you to have these things sorted as a condition of your mortgage; if they do, they’ll let you know. Having legal counsel makes good business sense because of the complexities that come with real estate. An experienced, competent real estate attorney can help to protect your interests and ensure that your real estate transaction is completed within the law and with sound judgement.

Your architect can look ahead and anticipate things you and the builder may not see coming. It’s critical to have someone on your side who has plenty of experience with the design and construction issues that inevitably come up, as an architect can bring a new world of experience additional to that of your builder’s. Architects think about how buildings feel to the people who live in them. Beyond the practical issues of size of rooms, quality and cost of construction, an architect considers the intangible aspects of feel, appropriateness, and aesthetics. You should never have to adapt your life to suit your house. Your house should be designed to suit your life.

Wing attack – builder

Your home is likely to be your biggest asset, so finding a quality builder for renovation or new build projects is important. Good builders possess several qualities: they are communicative and listen to both your needs and wants for your home. They have a targeted plan for completing the project on time and provide an estimate upfront. They have a good reputation within the building community and have a proven track record of good-quality construction, and can provide references to back it up. Most importantly, they are licensed and insured, with guarantees and back-ups should the worst eventuate.

While your lawyer should be able to provide you with information on your liability during your building process, it does also pay to do your homework and investigate every outcome thoroughly. What does your builder’s liability cover? Will it cover sub-contractors hired by them? What about sub-contractors not hired by them? Should your land be insured as soon as you purchase the title? What will happen if you find yourself unemployed or injured during this process? What about health and safety on the site? Discuss every possibility with your insurance broker and receive a number of different quotes for comparison. Before you sign any documentation, make sure your lawyer has examined the paperwork and crossreferenced it with the builder’s written liability disclosure. When it comes to protecting your biggest financial asset, it pays to be well prepared.

Finding a good builder with all of these qualities can be time-consuming, but it is well worth the effort.

Retrofit Double Glazing Keep the noise out and the heat in. Double glazing can reduce heat loss by 70%. winstoneglass.co.nz

03 308 3918 0800 8090 10 214 Wills Street, Ashburton

Property

GUARDIAN

Ashburton

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ASHBURTON 10-10.30am . . 10-10.30am . . 10-10.30am . . 10.30-11am . . 10.30-11am . . 10.45-11.15am . 10.45-11.15am . 10.45-11.15am . 10.45-11.45am. 11.15-11.45am . 11.30-12pm . . 11.30-12pm . . 11.30-12pm . . 12.15-12.45pm .

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