House to Home | October 2014

H O U S E

T O

HOME OCTOBER 2014

OUT OF THE BLUE Rich Indigo, the timeless classic in home decor.

LOCHLEA Your exclusive supplement all about Lochlea Lifestyle Resort.

luxury

STEP INTO

Four Peaks Homestead

Guardian ASHBURTON

Advertising supplement

A S H B U RTO N

Photo: Ian Moore

H O U S E

T O CONTENTS

HOME Welcome

COVER STORY 3-5 Take an inside look at Four Peaks Homestead in Geraldine.

A LA MODE ALFRESCO 6 Bringing the inside out, we inspect what really makes a pergola and patio perfect.

Well, we are in October already and this year has just flown by!

Winter is behind us and we can all see summer peeking around the corner taunting us with it’s warm afternoons. As the weather heats up it’s time we all shook off the winter coats and did some home improvements.

Eden Kirk-Williams House to Home Co-ordinator

There is something truly rewarding about home renovations, even more so when you are building your own home. In this edition we have the latest articles from our own feature writer as well as local professionals giving us inside tips on what certain projects take to complete.

OUT OF THE BLUE 8-9 Our colour pick for this edition and how you can work it into your home.

CAWTON PLACE 11 Tinwald’s newest subdivision.

I am particularly excited to bring you for the first time in House to Home a special supplement. We have gained an all access pass to Lochlea Lifestyle Resort to bring you an exclusive look inside.

So sit back with a nice cool drink and peruse the pages of House to Home.

KILLER KITCHENS 14-15 From bench-tops to stoves and storage the latest tips and trends.

PERFECTION IN CONCRETE

graphic design: feature writer: advertising design:

Eden Kirk-Williams Amanda Wright Yendis Albert Travis Cheesman Denise Fawer

Take a look at what is involved in installing a polished concrete floor.

SUPER POWER 18-19 A S H B U RTO N

Ashburton’s Pete Summerfield gives us a run-down on what solar can mean for your home.

Ashleigh Emma Jaillet-Godin Fraser

Debbie Sykes

Elaine Dillon

Jenni Sparks

Sue Durry

Assistant Advertising Manager

Advertising Consultant

Advertising Consultant

Advertising Consultant

Advertising Administrator

Advertising Consultant

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Published by Ashburton Guardian Ltd - 03 307 7900 Opinions expressed in House to Home magazine are not necessarily those of Ashburton Guardian Ltd. No responsibility is accepted for unsolicited material. No material may be reproduced without prior written permission of the publisher.

Charm luxury

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and

Photo: Ian Moore

Resplendent in country charm, Four Peaks Homestead captures the essence of a bygone era. Currently listed with local Mike Preston of Bayleys Canterbury, we take an inside look at this luxury homestead.

Built in 1926, this majestic homestead was designed and constructed by noteworthy architects, Heathcote Helmore and Henry Cotterill. Helmore and Cotterill had a liberal approach toward style, often incorporating Spanish Mission and Modern Movement into their repertoire. They were the first New Zealand architects to promote a form of timber building

which drew heavily on 18th century American domestic designs.

The Four Peaks Homestead drew inspiration from a more traditional template for the era, in a classical English Neo-Georgian, Cape Cod design. It was built for the Barker Family, Michael Barker’s great uncle. continued over page

The homestead was cherished by a string of prominent families, who hosted opulent celebrations on the grounds.

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Between 2002 and 2007, the homestead operated successfully as a luxury lodge, before it was purchased in November 2009

by Michael Frawley and Kathrine Hughes.

Michael and Kathrine spent the first 12 months restoring the homestead to its former splendour. The transformation revitalised the interior from a five star lodge, to a grand European country homestead.

A uniquely private, peaceful and romantic retreat, Four Peaks Homestead is set on 15.7 hectares, bounded by the Hae Hae Te Moana River, near the quaint township of Woodbury.

First impressions are mesmerising as you enter the heritage gates onto the pebbled driveway, through a canopy of Linden trees. Through the clearing, the majestic homestead is fronted by an extensive lawn and gazebo, surrounded by a mature garden of rhododendrons and magnolias.

A formal garden displays elegant roses with box hedging, while a native garden dell includes a private bush walk past kauri, rimu, totara, kowhai and silver fern trees, as well as a grove of hundreds of Peel Forest filies.

Strolling amongst the gardens laden with cold climate flora is a rewarding treat for nature lovers.

THE TRANQUILLITY IS PERHAPS WHAT OVERWHELMS THE MOST. The unspoilt beauty of the rugged mountains, the fresh alpine air and the ataraxia of the lifestyle. It is a place to relax, unwind and simply breathe.

Photos: Ian Moore

The garden was designed to pro-

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vide an ever-changing tapestry of colour and fragrance year-round. rhododendrons, hydrangeas, daffodils, rosemary, lavender and roses bloom with the changing seasons, and attracts delightful birdlife, from native wood pigeons to fantails.

Warm summer days and comfortable fresh nights make outdoor entertaining appealing. As the sun sets and the valley vividly changes in colour, the sun makes way for brilliant stars, which shine with brilliance away from the lights of town. It’s not uncommon to see the spectacular light display of Aurora Australis from the lawn. Awash with moonlight, the gardens take on a magical beauty.

opening up the possibility for a number of lifestyle opportunities, including equestrian.

A recent addition to the home, the large patio provides a relaxing space outdoors to soak up the charming character of the country setting.

Owners Michael and Kathrine adore the classical proportions of the home, which have been constructed with quality materials, in line with its pedigree.

POLISHED WOODEN FLOORS ARE A FEATURE THROUGHOUT, IN BOTH JARAH AND MAITAI.

The peace and quiet of solitude, within close proximity of shops, cafes and restaurants. Rural relaxation and rustic charm, seamlessly blended with lavish luxury.

Four Peaks Homestead is truly the wonder of Woodbury.

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OW N E D

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S R A YE O

A black barn on the grounds comprises of three lockable storage bays, while an outbuilding provides more storage and a wood shed. The original house, constructed possibly in the 1880s, can also be found on the grounds, preserving the heritage of the estate.

The property is deer fenced,

The homestead encompasses five spacious bedrooms, all with their own luxurious ensuites. The master bedroom ensuite features a double vanity bench top, made from the original kauri scullery bench. An original Royal Doulton roll top bath together with a modern double shower completes the unbridled grandeur.

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AN D

During winter, the homestead is transformed into a winter wonderland, with the snow-laden Four Peaks mountain range. The homestead itself enjoys a micro climate, where snowflakes don’t often settle, but the views of swirling ethereal mist across the land are enchanting.

R A TE D PE

Photos: Ian Moore

Log fires and diesel powered water heating keeps the homestead cosy in winter, the ultimate retreat to enjoy a mulled wine or hot chocolate after a day on one of the neighbouring ski fields.

The entertainer’s kitchen is semi-professional, with American appliances from Sub Zero and Wolf. A large stainless steel extractor sits above dual ovens, while the spacious stainless steel bench top provides ample room for culinary preparation. The shaker bespoke cabinets add a touch of elegance.

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A la mode

6

alfresco

A pergola can often be freestand-

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They lifestyle perfectly? can be an area used for outdoor Grieve Construction areentertaining, here to make but serveyour mostly an ornamental function. They are experience totally hassle-free! usually constructed from wood, adding natural aesthetic appeal.

A pergola can be attached to a home, and often a patio and a pergola can be combined.

The pergola section will usually be open, with climbing plants growing over the beams, and is an effective way to showcase a garden at the end of a patio.

Are you

The word Verandah comes from India, and is translated as a place that leads outdoors. looking for a home that suitsWhere youra patio is usually a spacious entertainlifestyle perfectly? ing area, a verandah is a long and

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narrow structure, which can be located around a large proportion of the home.

The option which will best suit your needs will come down to purpose, whether you intend on using the space frequently for entertaining, or if you are looking for a private and relaxing retreat for yourself.

When it comes to furnishing your outdoor entertainment area, quality is key. With harsh weather extremes, a quality set of outdoor furniture can last in excess of 10 years, however a cheaper imitation set may not see you through the season.

Teak and wicker outdoor furniture make a functional and attractive

combination. When put together, these two all-weather materials create some of the most hard-wearing and visually appealing patio furniture.

TEAK AND WICKER OUTDOOR FURNITURE MAKE A FUNCTIONAL AND ATTRACTIVE COMBINATION. Whether you want an extension to your home or a freestanding style structure, these shade solutions can give you a viable and attractive way to improve your outdoor space, while increasing the value of your home.

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PH 0800 4 POSTS (03) 308-5304 Great Southern Group 143 Alford Forest Road Ashburton

Welcome Alton Place encompasses the best of Mid Canterbury living.

Bordered by both Wakanui Stream and Argyle Park, the serenity and beauty of nature encourages a relaxed lifestyle, yet the convenience of Allenton Shopping Centre and the Ashburton town centre are only minutes away.

Perfect for those who are looking to upgrade their lifestyle, Alton Place is a quality development, featuring various sized sections from 625sqm to 1285sqm. Starting from $192,000, sections are available for purchase now with titles expected to be released prior to the publication of this ar-

ticle, and therefore you can begin to plan and build your new dream home.

THE NATURAL WATERS OF WAKANUI STREAM MEANDER ALONGSIDE THE COMMUNITY. For a limited time residents receive a $5,000 building credit toward frames and trusses from Helmack ITM, along with internal boundary fencing and covenants in place to ensure the quality of the subdivision, protecting the

SOLD

home

lifestyle and investment of residents. Simply choose your builder then sit back and watch your dream come to life.

Seven of the sections have already been committed prior to titles being issued; the remaining sections available have a variety of great aspects. The natural waters of Wakanui Stream meander alongside the community, providing a unique natural resource for the enjoyment of residents.

Drive by and view the ambiance and quality of Alton Place, with development having been completed and infrastructure in place you can see and feel the quality of the welcoming neighbourhood.

SOLD

SOLD

SOLD

SOLD U/C

SOLD

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8

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.

For all your Scaffolding and Edge Protection Requirements

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.

the council were authorised to wear the colour.

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

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 col-

Hence the reference to royal blue, the obvious connotation that only royalty could wear the rich colour.

Are you buying or selling a home?

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Property valuations Dwelling, land, insurance Call Ian McBride today for your real estate valuation

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With hints of sophistication and spirituality, indigo conveys the right amount of energy and style to hold strong for seasons to come. ours 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

Against a saturated indigo wall, pure white looks luminous and angelic, a crisp and familiar contrast. 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

Let the team at Insideout take care of all your painting and property maintenance

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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.

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.

Today’s construction is tom

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.

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Rolling

Sunscreen roller blinds make a definite difference in your comfort during the heat of summer by cutting down glare and heat. It protects your carpet, furnishings and artworks without completely blocking your views. Sunscreen fabrics are especially efficient at filtering visible light and UV rays (up to 97%), thus increasing interior comfort and reducing reflections and glare on televisions or computer screens.

They deliver excellent protection against fading of furniture, flooring and appliances. Sunscreen fabrics can filter heat coming from the sun which in turns saves energy, by reducing air conditioning costs and improves interior

comfort by maintaining lower temperatures.

in style

The transparency of sunscreen blinds are affected by the colour that you chose. Contrary to what you may automatically think, the darker the fabric the more you will see through the blind. The lighter the colour, the less. This is due to the sunlight reflecting off the lighter colours and making the holes in the weave seem smaller.

Another option is sheer roller blinds. With more transparency than a sunscreen they offer privacy from neighbours or the road without enclosing the room.

Our range of sheer fabrics have

been specifically chosen for New Zealand’s harsh UV conditions and are available in a large range of textures and neutral tones.

All of our blinds are made to measure to fit your windows. This means that they are customised according to your specifications regarding which side the control is on and whether it is front and back rolled.

Depending on which fabric is chosen the roller blinds can be made up to 3m wide. For windows and doors that are wider than that, we can use inline brackets to connect the blinds with one singular control. All rollers are fitted with co-ordinating

bottom rail colours and shapes, which also match our large range of curtain tracks, rods and finials.

If privacy at night is required, consider pairing the sunscreen rollers and sheer roller with block out rollers, curtains or romans.

A huge range of curtain fabric is on hand in all sorts of patterns, colours and textures, which can be made into curtains with various headings and linings. Roman blinds can be installed with the upgrade of a chain controlled head rail for ease of use.

With summer just around the corner, sunscreen blinds are a great way to combat the heat and glare in your home or office.

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Having a huge range of curtain fabrics and blinds in store, we can match the style of any type of décor you would like and meet your needs.

Come and see Linda, our window furnishing consultant, today for a free consultation.

“Make sure you have your curtains and blinds for Christmas!

Beat the rush - order today.” *Purchases between 01/08/13 - 31/08/13 are eligible. Terms & Conditions apply, see in store for details. †Offer is based on a 3brm house requiring 21blm of our houseline twill carpet, installation & 9mm underlay. Excludes door bars, uplifting & recycling charges, travel & other incidentals.

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Cawton

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grove

Cawton Grove is the latest subdivision to open its gates in Tinwald bringing rural living within reach of town residents.

Locals know that Tinwald is much more than just a place to drive through, in fact there is so much to see and do that you may not fit it all in one day. Now it is also the place where the latest subdivision has opened under the name of Cawton Grove.

Located on Tarbottons Road, Cawton Grove is directly across Stages 1 and 2 of the very successful rural Kelburn Estate. The subdivision offers residential sections with a rural outlook and excellent views of the mountains.

Sections range in size, from 700 square metres to just over 1000 square metres. With fibre optic cables at the boundary, people living in Cawton Grove will have a fast internet access and that is an important benefit as we spend more and more time online to shop, find information, communicate with friends and family and more.

Cawton Grove will also feature a tennis court and a recreation reserve for children and adults to play, making the subdivision an ideal place for families.

Being part of the West Side Tinwald also brings many advantages as Tinwald offers more than meets the eye.

With the hidden treasure which is the Tinwald Domain, you have four hectares of open space close to Cawton Grove where there is plenty of room to run around, have a picnic or find a quiet spot to read a good book.

The Tinwald Golf Course (gentle meander down the road), the Plains Vintage Railway and Historical Museum and all the

Tinwald amenities close by bring convenience, necessity and entertainment close.

With its amazing mountain views, easy access to town and a wide range of section size options, Cawton Grove is the perfect place to live and enjoy a serene environment. And if you would like a larger space, have a look across the road in Kelburn Estate where sections are up to 4000 square metres. Whether it is Cawton Grove or Kelburn Estate that suits you best, you have found a peaceful place to live.

12

Locals

new home ASB Ashburton will have a brand new look in early December and a new open-plan layout.

“We are pleased to be moving our Branch and Rural staff to a brand new branch on Burnett Street and to reaffirm our commitment to our customers in the region,” says Branch Manager Maggie Clark.

addition of brand new, stateof-the-art technology including video conferencing facilities for customers to access a wide range of ASB specialists face to face as well as a brand new smart ATM and teller cash dispenser.

There will be a 24 hours, seven

Mid Canterbury Rural team - left to right: Sam Brown, Grant Polson, Debbie Counsell, Dan van der Salm, Leanne Mably, Claire Smith, Rob McConachy

the growing ASB Rural team as they look to further support existing and new clients in the Mid Canterbury Region.

Ashburton Branch team - left to right: Bethany Davidson, Mel Kilworth, Anna Wells, Jo Dellow, Kiley Sparrow, Maggie Clark

“This new branch represents ASB’s commitment to the community, and we are looking forward to continuing to work with ASB’s customers in these fantastic new facilities to provide the best possible service.”

day a week technology lobby and Fastconnect for customer internet banking. Maggie and the ASB team welcome both existing customers, and non-customers to come and trial the new technology.

The new branch will also see the

The new premises will also house

The ASB team in Ashburton are working together with St John to build caring communities and ultimately save more lives.

This partnership is designed to deliver real, tangible benefits to communities.

One of the ways we help is by giving more people the tools to help save lives in their community, through first aid and CPR courses.

THE ASB ASHBURTON TEAM ARE COMMITTED TO THEIR WORK WITH THE WIDER ASHBURTON COMMUNITY AND ARE EXCITED ABOUT THE ADDITION OF A NEW COMMUNITY BOARD WITHIN THE NEW BRANCH.

Choosing a home loan is now an easier exercise.

With a new ASB home loan of $100,000 or more you’ll get a: • Sony 48” TV and • Sony PlayStation®4 Visit asb.co.nz/homeloans Succeed on.

asb.co.nz/homeloans ASB Bank Limited’s lending criteria and conditions apply and are available at asb.co.nz/homeloans. An establishment fee may apply. Minimum 20% equity (an LVR of 80% or less) in the security property is required. You must have your main transactional account with ASB (with your salary or wages credited) and one other ASB product. Offer available to new qualifying home loans approved and prepared on ASB loan documentation between 13 September 2014 and 31 December 2014.

ASB4711_Spring Lending FP Press_v1.indd 1

29/09/14 11:56 AM

14

Killer

kitchens The heart of your home is where your life and love will radiate from, and in most cases, this is the kitchen.

Where functionality is as important as form, this can be a difficult negotiation, between what works practically, compared with what looks pretty.

The marriage between your kitchen surfaces, stove, splashback and storage is what

can define hideous or haute.

MAGNIFICENT MARBLE

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style chart. It stands up to heat well, and remains cool.

Unfortunately marble has a porous nature, and absorbs liquids such as oil, wine and other spills that can be near impossible to remove. Sealers can help, but the surface will require sealing on a regular basis. Marble also chips

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easily, and it’s not uncommon for a corner to break off if it’s struck with a pot or pan.

COOL AS CONCRETE No longer is concrete only for your foundation and floors.

Concrete countertops fit well into an industrial chic or modern style palette and is considered an edgier choice than traditional options. It can be cast into unique shapes, and can be coloured to your desire. It can even include colourful stones and other materials, set in to the concrete for a unique focal point.

Like marble, concrete is porous, so can absorb liquid and stain without on-going sealing.

you immediately eliminate all the other options that may be clouding your thought process.

If you are building a kitchen from scratch, then a built-in option can be space saving, and from an aesthetic point of view, can look streamlined.

SIZE MATTERS Measure the space available for your chosen stove, and then work with the options that you know will be suitable. They commonly range from 600mm wide through to 1500mm wide.

Traditionally 600mm wide was the most popular choice, but now it is becoming more common to install 900mm.

GAS OR ELECTRIC?

ENGINEERED STONE Otherwise referred to as quartz, engineered stone is composed of natural quartz mixed with resin.

Some brands are nonporous, heat and scratch resistant, and sturdy, making them virtually maintenance-free. As an engineered product, it is available in a spectrum of colours.

n o k c u t S stoves

Times have changed since our parents bought an oven. Back then it was simple. You chose between gas or electric, and you accepted the colour would be white enamel. Simple.

As the way we eat evolves, so do the instruments we use to cook with. Stoves now come with an array of features, including a wok burner, multiple ovens, selfcleaning, dual-fuel, teppanyaki plates and more. Buying a kitchen staple has never been such a complex decision.

BUILT-IN OR FREE STANDING This is the important initial decision, as by choosing one,

Gas cook tops are popular with chefs, and are becoming more common in the kitchen, because of the ability to instantly control heat. If you choose to have a gas cook top, you don’t need to have a gas oven. You can to mix and match gas and electric cooking appliances.

Trend rt! ale

BUTLER’S PANTRY If you can afford the luxury of a butler’s pantry, your decision won’t go unrewarded. A butler’s pantry is essentially a kitchen within a kitchen, and includes an additional sink, allowing you to do all your food prep in a hidden alcove of the kitchen.

If designed correctly, it can open you up to masses of essential storage, so you will never have to think twice about where to store your kitchen appliances.

By preparing meals in the lavish pantry, your open plan kitchen is left spotless, perfect for entertaining. Prepare a veritable feast and keep the mess out of sight.

Denis & Julie Trudgeon have proudly operated Skyline Buildings in Ashburton for 25 years.

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Landscaping supplies

Wholesale prices, direct to the public.

• Bark, screened soil, Oamaru stone • 100% Organic compost • Rocks and boulders • Sand and shingle • Stones and concrete • FREE loan trailer Dobson Street West 03 307 8302

Driveways For a finish you will enjoy for years to come.

• Driveways • Tennis courts • Carparks For advice on you next asphalt or chip seal project, phone Grant on: 027 226 3091

Gold

Sponsor

Ashburton Contracting Limited

P 03 308 4039 A 48 South Street, Ashburton W www.ashcon.co.nz

• Exterior Painting • Interior Painting and Paperhanging • Textured Ceilings, Cornices etc.

• Roof Painting by airless sprayer • Waterblasting • Waterproofing 163 Hollands Road, RD1, Ashburton 7771

MARK SCAMMELL E: scammellpainting@clear.net.nz P: 307 6126 M: 027 273 2803

New Homes New Homes AlterationsAlterations New Homes New Homes Light Commercial New Homes Light Commercial New Homes Alterations Alterations Earthquake Earthquake Alterations New Homes Alterations New Homes Alterations strengthening and Alterations Light Commercial strengthening and Light CommercialCommercial Light Light Commercial Repairs, and Compliance.

Light Commercial Repairs, and Compliance.

Earthquake Earthquake

Experienced in a range of building, including - Farm Buildings - Garages - Car Ports - Sleep outs - Gottages - Commercial Buildings

strengthening and Earthquake Compliance.

Earthquake Phone Repairs, andPhone Earthquake strengthening and Phone Phone strengthening and (03) 303 9830 or 303 strengthening and (03) 303 9830 or (03) 303 98309830 or (03) or Repairs, 0800 500 564 and Compliance.

0800 500 564 0800 500 564 Repairs, and Compliance.

0800 500 564 Repairs, and Compliance.

strengthening and Repairs, and Compliance.

Call Denis today 0800 BUY SKYLINE 03 308 0297 or 0273 411

Email: josephbuilders@xtra.co.nz

Email: josephbuilders@xtra.co.nz E: josephbuilders@xtra.co.nz W: www.josephbuilders.co.nz

Phone Email: josephbuilders@xtra.co.nz Phone Email: josephbuilders@xtra.co.nz Phone (03) 303 9830 or (03) 303 303 9830 9830 or or (03) 0800 500 564 0800 500 500 564 564 0800

16

The insider’s edge to secure finance The home loan and finance landscapes have changed. This is due to events such as the Global Financial Crisis (GFC) felt from 2008, along with residential lending restrictions introduced in October 2013 by the Reserve Bank on high Loan-Value-Ratio residential mortgage lending.

As a Mortgage Adviser, working actively in the market with New Zealand’s widest range of lenders, market knowledge on varying bank lending criteria, interest rates and fees can add significant value to borrowers.

With a focus on buying a new home, here are eight steps to a property purchase: 1.Set your goals: Planning what type of property you want and having a rough idea of what it’s likely to cost, means you can set yourself a target for the level of deposit. If your deposit is less than 20%, you may need to pay Lenders Mortgage Insurance – or you may incur a Low Equity Premium on your interest rate. Be sure to factor this in.

2.We’re ready to talk:

3.Get the green light:

4.Kick off the search:

Before you start actively looking for a property, it’s worth speaking with a mortgage adviser. They’ll give you an accurate assessment of your borrowing capacity and determine your eligibility. Due to different assessment criteria for each lender, your adviser can provide guidance on where your goals are more likely to be met.

If you’re placing an offer with an agent, you’re in a stronger position if you’ve got a pre-approval. Preapproval is essentially a green light from a lender to spend up to a certain amount. Just be mindful of conditions placed on preapprovals, particularity the time frames imposed.

Looking for a house is always more time consuming than you expect, so schedule plenty of weekend time to attend open homes. Once you’ve found a place you like, make sure you ask your adviser about organising a valuation and if necessary, a building and LIM report.

5.Close the deal:

6.A few formalities:

7.You’re ready to settle:

8.Keep us in the

Whether you buy at auction, by private treaty or off the plan, securing a property is cause for celebration. You’ll need to move fast to organise a few important things, like holding a deposit; engaging a solicitor / conveyancer, someone you trust to take care of the legal work; and notify your adviser – so they can quickly move you to formal approval.

Your adviser will sort out formal approval, by supplying or re-submitting documents to your chosen lender.

During a ‘cooling off period’ the lender will value the property, process your application and make a final credit assessment. Your adviser will confirm your formal approval and send you documents to be reviewed (with your legal adviser) and signed.

The dates of settlement will probably have been agreed before the sale. The lenders and legal representatives from both sides will now organise the exchange of money and title.

On the day of settlement you can collect your keys!

Your loan is set up and you’re all moved in remember we’re still there for you when you need us. If you’ve got a question about your loan, or you decide to renovate, refinance or invest in another property, we are here to help!

[Mark Caldwell is a Registered Financial Adviser and the content contained within this article is of a general nature. A copy of Mark’s Disclosure Statement is available on request at mark.caldwell@loanmarket.co.nz]

A better loan. A better way.

• Are you a first home buyer?

• Do you want to upgrade your home or building?

• Are you a business borrower needing expert advice?

As a Mortgage Adviser, Mark will work with you to match the right loan to your goals and financial position. He will do the leg work for you and will even work with your existing lender.

Cawton Grove - Tarbottons Road Ashburton Tinwalds latest subdivision directly across from Kelburn Estate located on the very sought after Tarbottons Road. With lovely mountain views and some sections with a rural outlook, sizes ranging from 700m2 -1000m2 and prices from $145,000 there is something for everyone.

Mark is truly passionate about working for his clients and providing expert advice. He has over 20 years’ experience in the financial sector including roles as a retail banker and a corporate and commercial banker.

Services include fibre optic cable at the boundary. With easy access onto the main road into town, a beautiful Golf Club and Domain on your doorstep Cawton Grove will be Tinwald’s leading subdivision in the future.

With 1 section already sold and good interest in other sections call me now to hold a section for your new home.

T 03 307 8317 E ashburton.nz@raywhite.com SE A S O N S 96 Tancred Street, Ashburton 7700 NG S R

G

EE T I

Mid Canterbury real Estate Limited Licensed REAA (2008) Call us on our After Hours number 307 8317 or contact our agents on their cellphones.

Jill Quaid

Manager Mob: 027 437 6755

For Sale $145,000 View by appointment rwashburton.co.nz Jarrod Ross 027 259 4644 jarrod.ross@raywhite.com

Veronica Monaghan

Sue Houston Narelle Usmar

Administration Property Manager Manager Mob: 027 697 6948 03 307 8317

Administrator 03 307 8317

For an obligation free appointment call Mark Caldwell on (03) 307 6667 or 027 249 6377 Jarrod Ross

Cindy Hayward Mandy Marsh Kim Miller E: mark.caldwell@loanmarket.co.nz W: loanmarket.co.nz/mark-caldwell.co.nz

Margaret Wilson Annette McCully Richard Quaid Mike Grant

Rural Consultant/ Urban Consultant Auctioneer Mob: 021 221 2544 Mob: 021 249 4644

Urban Consultant Mob: 027 438 2328

Urban Consultant Mob: 027 454 4745

Urban Consultant Mob: 021 272 0202

Urban Consultant Mob: 027 236 8627

Urban Consultant Mob: 027 389 7955

Urban Consultant Mob: 021 239 4418

Mid Canterbury Real Estate Ltd (A member of the First National Group) Licensed Agent (REAA 2008)

NZ_BRO_1561_OCT14.

Perfection

17

in concrete Bring your floors to life with concrete polishing.

Due to its hard wearing characteristics, polished concrete has evolved into one of the preferred products of choice for many flooring applications. It is considered a good sustainable design flooring option as it makes use of the materials already present, polishing the exposed concrete eliminates the energy and material consumed by applying a floor covering, therefore making polished concrete one of the most eco-friendly flooring options.

Providing a natural, modern and stylish look, polished concrete floors are low maintenance and more durable and easier to clean than many flooring options. It also has many other benefits

such as reducing dust mite and allergen problems, not supporting mould growth, and is hard to chip or dent. A concrete floor has an extremely long life expectancy compared to other flooring and when properly maintained, it may give 100+ years of service.

When considering polished concrete for your home whether it is a new built or a renovation, you need to be aware that one of the most important processes before you get your floor polished, is the placement of the concrete.

Perfectly placed concrete is crucial to achieve a perfect polish. When concrete is placed correctly, your polished concrete

floor will be a flatter floor with more uniform aggregate exposure and less pin holes and repairs to grout. The possibility of cracking is then reduced significantly and your floor will achieve higher gloss readings.

Perfect Polish is the contractor you want for the polishing of your floor as they have highly skilled operators using top of the line machinery with trusted HTC systems. With gloss testing, slip testing and a 10 point check list, your polished concrete floor will be screened to make sure it meets all the HTC Superfloor requirements and on completion, they will be given a 10 year warranty for peace of mind.

Having over 25 years’ experience in concrete and specialising in floor placing as well as patios, paths and driveways, Paveco understand how to lay the perfect flat floor essential to a perfect polished finish. Paveco has worked on many projects with Perfect Polish and they have had exceptional results working together.

If you are interested in polished concrete for your home however concerned you won’t get the perfect result you are expecting, rest assured by combining Paveco to place your floor and Perfect Polish to complete the polishing, we guarantee your expectation will be exceeded.

Natural, modern & stylish

NEED A NEW DRIVEWAY, PATIO OR PATH FOR YOUR HOME? Contact PAVECO today on 307 6466.

Certified HTC Superfloor contractor • Polished concrete • Exterior decorative grinding • Concrete sealing • Water blasting • Decorative cutting and grouting • Glue, paint & hump removal • Concrete repair & floor leveling

CONCRETE CONTRACTORS Perfect Polish is dedicated to providing you with the highest quality polished concrete finishes CALL LUKE WORSFOLD FOR A FREE QUOTE ON YOUR NEXT CONCRETE PROJECT: 0274 508 199 or 307 1381 • email: luke@perfectpolish.co.nz

13 Robinson Street, Riverside Industrial Estate, Ashburton Phone 03 307 6466 • www.paveco.co.nz

18

SUPER

POWER

We have all seen it and heard of it but the ins and outs of solar power are not commonly known. Pete Summerfield of Auric Energy gives us an inside look at what Solar PV really is and what it can mean for homeowners.

What is Solar PV? Solar PV (Solar Photovoltaic) effectively uses the light from the sun and turns it into electricity, reducing your energy consumption and power bill at the same time. It does not have to be sunny for the panels to be working and they will

continue generating electricity on an overcast day. There are a lot of misconceptions surrounding the sun’s heat or lack of, in NZ. The cost of installing a system is the same on an existing home as it is a new home and will only vary depending on size.

Why Go Solar?

Power prices have risen around 5% a year since 2001 and look to continually rise for years to come.

When you install a Solar PV system you are essentially reducing your power bill for the next 25+

years. A lot of consumers who have installed Solar PV enjoy the feeling of reducing their dependency on the energy retailers and having to give them less money each month.

“Make your house an energy efficient home”

VENTILATION

• • • INSTALLED FROM • •

4999

$

00

Free heat Heat transfer Positive air pressure Existing heat systems No more odours or dampness • Significantly reduce condensation • HEPA filter (High Efficiency Particulate Air)

HEAT PUMPS

1999

$

• • • •

INSTALLED FROM

00

Hitachi are the 3rd largest Japanese heat pump manufacturer in the world Hitachi’s reliability means we can give the industries best 6 year warranty Local backup support and installation service Hitachi Heat Pumps are extremely quiet and very efficient

P: 0800 287 423 M: 0274 333 615 www.auricenergy.co.nz

P

How to purchase the right Solar System?

Quality Product

The two main components of a Solar PV system are panels and the inverter. The Panels generate the DC electricity and the Inverter converts it into AC electricity which we use in the home.

The things to look for when purchasing, are quality panels and a quality inverter. In order to select the right panels it is recommended to go with a well known manufacturer. The reason for this is simple, it gives you confidence that the warranty will be honoured if required.

EVERY MANUFACTURER GIVES THE SAME 25 YEAR PERFORMANCE WARRANTY BUT WHO STANDS BEHIND IT IS THE IMPORTANT PART. Every manufacturer gives the same 25 year performance warranty but who stands behind it is the important part. If you hear the line “they are made in China

but the head office is in Germany,” be wary.

19

The other thing to look for with panels is monocrystalline. The two most commercialised panels are polycrystalline and monocrystalline and simply put monocrystalline is a purer form of silicon so is a more efficient panel. Anyone selling a polycrystalline panel will tell you there is no difference but it is generally around a 2% loss of efficiency which is substantial on a Solar PV system.

Inverters are also a very important part of the system and it is the usual you get what you pay for scenario. There is currently a very good NZ made product available but there are also several very high quality inverters being imported into New Zealand.

Installation Only a few weeks ago I spotted some solar panels facing south, this would be perfect if we were in the Northern Hemisphere.

This is why you need to ensure when you purchase a Solar PV system your installer knows what they are doing. Orientation and angle can be flexible on smaller systems without effecting overall performance greatly but it is ideal to have an element of north facing if possible.

There is no formal qualification

for installation in New Zealand yet, but your installer does need to be a qualified electrician and it would be ideal if they have already installed a large number of systems or have a relevant overseas qualification.

IT IS CRUCIAL TO GET THE SYSTEM THAT BEST FITS YOUR NEEDS.

Power Companies and System Sizing

payback period longer. There are two power companies that will give a fair amount for any energy exported back to them and encourage Solar PV systems as long as they are sized correctly for the consumer’s needs.

If you get sold a system that is too large it will affect your return on investment and make your

SOLAR POWER INSTALLED FROM $

7499

00

• Only the best Monocrystalline Panels • Commercial & farm systems • Many happy local customers • Authorised LG Dealer • Residential systems • Over 1000 Installs

PETE SUMMERFIELD

Power prices are on the rise. At Auric Energy we offer a range of products to keep you comfortable in your home and save money on power bills at the same time.

We buy straight from the manufacturer, this means you get a high quality product at a sharp price.