Your home & garden feature 23rd march 2016

March 2016

HOME & Garden

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Phone: 07 5495 8683 MARCH 23 2016 |

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HOME My friend Gabby recently renovated much of their home, and I have to say that more than anything, the discussion and planning seemed to revolve around the kitchen!

Which isn’t surprising as the trend these days is that the kitchen is really returning to be the centre of the home once again.

• Custom kitchens & bathrooms • Cut to size service • Full job management • Full internal home & unit renovations Online www.qkb.net.au • Cooking Appliances • Bathroom & kitchen supplies

With many couples far more interested in cooking ‘Master Chef' or ‘My Kitchen Rules’ style there is plenty more to consider these days about what will make your perfect kitchen.

Having completed the renovation I asked Gabby what her advice would be for someone about to undertake a new kitchen renovation and she reckons that after looking at thousands of home magazines, she realised that she had a very clear idea of ‘the look’ or ‘aesthetic’ but very little idea about the functionality she wanted.

Gabby said she knew that doing up the kitchen was going to be a significant investment so we were as thorough as possible when doing our planning to make the space as useable as possible and we are so pleased with it.

“The things that I love most about the final design are the drawers, I love having drawers instead of cupboards, and it is so much easier to access all sizes of plates, bowls and platters," she said.

“We went a little crazy with power points but it's great not having power boards with cords all over the place.

“We included pendant lights which are so popular in kitchens these days, and fortunately the electrician advised us that it is better to install them in front of the food preparation area, rather than behind, as this will cast shadows over your workspace.

While breakfast bars with an overhang for stools are very popular, we had enough space to be able to include an old pine kitchen table, which we really enjoy being able to sit at for a casual meal or a cuppa.

“I reckon what is most important is that you spend time thinking and planning before you rush into the design, as the time spent will be worth it in the end.

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Use the equity in your home to renovate Our TV’s are flooded with renovation shows and great ideas and tips on how to best renovate either on a budget or to impress. It is rare that we find exactly what we are looking for when buying an existing home so why waste time trying to find the perfect home, renovate what you have. There is no need to uproot your family when with a little imagination you can create the perfect spot for your family to live and play.

Using the equity in your home may be the cheapest way to obtain funds to renovate. Equity is the difference between the value of your home and the balance of your home loan. In the banking world we call it LVR (loan to value ratio).

Lenders have a maximum LVR limit. At the credit union it is 80% and while you can go over 80% you would be required to pay lender’s mortgage insurance (LMI) which can be expensive so always strive to keep your LVR 80% or below. Here’s an example on how LVR works.

Your home is valued at $450,000 and you still owe $300,000

$450,000 - $300,000 = $150,000 equity $300,000 ÷ $450,000 x 100 = 66% loan to value ratio (LVR) On this scenario you could increase your loan by $60,000 to help with renovations and staying at 80% LVR. You need to ensure that renovations won’t cost you more than what they’re worth to the value of your home. Knowing how much you should spend is all about research so don’t skip over it because it can make all the difference when you finally move on.

Use your local real estate agent to help you estimate the value of your home and research the market to find out what similar homes in your area are selling for. This will give you some idea on how much you should spend.

At Maleny Credit Union we are experienced home loan lenders and we would appreciate you giving us a go. For a chat about your current circumstances give myself or Sandra a call. We would love the opportunity to help … we can even come to you!

Nicole Hilton Business Development Officer

Maleny Credit Union

(MCU Ltd trading as) Bunya House, 28 Maple St, Maleny Q 4552 Ph: 07 5499 8988

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Mail: PO Box 1099, Maleny Q 4552 Fax: 07 5494 3363 Email: info@mcu.com.au Web: www.mcu.com.au

BSB 704-606 | ABN 52 087 650 995 AFSL & Australian credit licence 246921

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& Garden

Phone: 5439 0999

What’s on for gardeners in April • Forest Heart Native Plant Nursery – March 26, 8.00am – 1.00pm. Wild Food Saturday - come and try a range of bushfood delights. 20 Coral Street, Maleny, 5435 2193.

• Elimbah-Caboolture Herb Club – April 1, 10.00am meeting at the Caboolture PCYC in Toovey Road, Caboolture. Learn all about the world of herbs. Call Ruth on 5496 7649 to find out more.

• Native Plants Sunshine Coast – April 10. Walk amongst foreshore plants Dicky Beach to Currimundi – lunch at Dicky Beach Surf Club – walk and afternoon coffee at Currimundi.For more information contact suncoast@ npq.org.au • Hibiscus Society, Sunshine Coast Branch – April 10, 10.00am morning tea followed by a meeting and bloom competition at 10.30am at the Woombye School of Arts Hall, Woombye. Guest speaker Shirley Thomas will be discussing the subject ‘Blooms for Show’. For more information call Audrey on 5476 2771 or Ted on 0407 440 999.

• Glasshouse Country Orchid Society – April 14, at the Glasshouse RSL Club, Reed Street, Glasshouse at 7.30pm. For further information please call Jan on 5494 2301. Interested gardeners very welcome.

• Peachester Garden Club – April 21, 9.30am at the Peachester hall, Peachester. Learn about local plants and gardening from local people.

Visitors always welcome. For more details please call Trish on 5496 9169.

• Faunawatch – April 13, 8.00am at Maroochy Bushland Botanic Gardens, Tanawha. Walk, survey wildlife, and learn about Faunawatch. Phone 0422 429 594 for details on how to get involved in Faunawatch.

Soils - Mulches - Gravels Sands - Potting mix 20 Tytherleigh Ave, Landsborough Ph: 5494 1153 Delivery all areas ~ Courtesy trailer available

Fax: 5439 0077 1/28 Simpson St, Beerwah Q. 4519

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MARCH 23 2016 |

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