New House & Land Winter 2017 by The Adviser

new House&Land The best in home living

2017 Adviser Winter Edition 20 pages of New Homes, Design Ideas, Land Releases and Lifestyle Opportunities

Build your

dream home now Limited blocks available

SHEPPARTON’S GARDENS ESTATE; A HIDDEN GEM… New homeowner, Jess Greene with Kevin Hicks Real Estate subdivision coordinators, Terry Shiels and Gabi Everard at The Gardens Estate. Photo: Alicia Niglia.

Continued page 18

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The Adviser, New House & Land – May 2017 – Page 3

New House&Land | 2017 Winter Edition

Your guide to New House & Land | 2017 Winter Edition PAGE 5

Add an extra layer of warmth to your floor

PAGE 15

Reduced pressure on housing affordability for first home buyers

PAGE 6

Experience the Northside difference

PAGE 16

Home building loans made easy

PAGE 7

A healthy financial life PAGE 7

Summary of building permits PAGE 8

Farmland value through the roof PAGE 8

Choose your slice of heaven PAGE 12

Find the perfect block for your home PAGE 14

Don’t be left in the dark with your current security

PAGE 17

Make the most of your space PAGE 17

Not just building houses, but developing homes PAGE 18

Covering all bases from the ground up PAGE 18

Build your dream home now PAGE 19

Development is in the family

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New House&Land | 2017 Winter Edition

Add an extra layer of warmth to your floor FOR over 24 years, Bob and Annette Ellis, alongside the friendly team at Choices Flooring Shepparton have been helping local families, businesses and builders find the floor they’ve been searching for. With the local community at the heart of their business, Choices Flooring Shepparton showcases the latest trends in carpet, timber, bamboo, laminate, luxury vinyl, tiles and rugs, ensuring they have the perfect flooring solution for every home and budget. As the temperature cools down and we begin to feel the crispness in the air, it’s natural that our thoughts turn towards making our home cosy and warm. Winter is the perfect time to add an extra layer of warmth to your floors and lay the foundation for a cohesive and warm interior. Whether you have carpet or hard flooring in your home, a rug is a fantastic way to warm up your interior as they raise a room’s temperature, muffle the sounds of foot traffic and feel great underfoot. No matter how big or small your project may be, Choices Flooring Shepparton will help you find the perfect flooring solution for your space. And from 24 May – 11 June 2017, Choices Flooring Shepparton is offering 40% off a selection of rugs so visit their showroom at 186 High Street, Shepparton today.

OFFERING EXPERT KNOWLEDGE AND FRIENDLY SERVICE… Choices Flooring business owner, Annette Ellis and sales specialist, Leanne Bailey. Photo: Nicholise Garner.

The Adviser, New House & Land – May 2017 – Page 5

New House&Land | 2017 Winter Edition

NORTHSIDE ESTATE OFFERS LIFESTYLE BENEFITS… Stage two is now available for buyers to choose their future outlook. Photo: Alicia Niglia.

Experience the Northside difference ONE of Shepparton’s premium land releases, Northside Estate is offering the perfect lifestyle location, and with the latest stage two releases being snapped up and the government’s $20,000 First Home Buyers Grant available from July 1, 2017, now is the time to experience the ‘Northside difference’ and secure your future. With a $500 deposit and generous settlement terms available*, first home buyers have a fantastic opportunity. Northside Estate has been planned by experts, Kavant Nominees, creators of Shepparton’s most popular development, Kialla Lakes Estate.

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Situated along the Goulburn Valley Highway, Northside Estate is located just minutes from schools, shops, Fairleys SUPA IGA supermarket, gymnasium, swimming pool and sporting precincts and close to GV Health complex in Graham Street, providing an ideal northern Shepparton location for families, new home investors and retirees alike. Kavant Nominees, directors of the developers chairman, Lance Woodhouse said, “Cleverly designed developments provide a solution to the isolation of some of our residential streets with a limited number of lots, Northside offers exclusivity, pride of ownership and shared experience.

“We wanted to provide a family friendly estate where people keep a friendly eye on homes, pets and children, where a friendly wave from a neighbour welcomes you home, where your children form supportive friendships and where life is good.” For more information or to secure your block, contact selling agents, Youngs & Co Real Estate on 5820 8777 and Stockdale & Leggo on 5831 3812. *Subject to qualifying for the State Government First Home Buyers Grant available from July 1 2017.

New House&Land | 2017 Winter Edition

A healthy financial life POSITIVE BANKING EXPERIENCES… Enjoy the personal banking experience at National Australia Bank’s (NAB) Shepparton branch. From left, NAB banking adviser, Victor Musau, branch manager, David Gillespie and banking advisers, Kate Durling and Rhiannon Campbell. Photo: Nicholise Garner.

TRADITIONALLY the banker-client relationship has been somewhat impersonal and very much all about the money. This is certainly no longer the case. The faces of Shepparton’s National Australia Bank (NAB) branch home loan team are keen to get to know their clients and to personalise the banking experience. Shepparton’s NAB manager, David Gillespie said, “What we really care about is making our customer’s banking experiences positive, developing personal relationships with customers and helping them to reach all of their financial goals throughout life. “We pride ourselves on our service being ‘more

Summary of

Building Permits Issued for March-April 2017

Issued from July 2016 to April 2017

New Dwellings

33 237 $9,714,782 est. cost

than money’ and want for our clients to know that we really want to see and support them in succeeding. We recommend that all of our customers review their loans and banking facilities at least once a year, just as you would have a health check. It’s advised clients look after their financial health.” There are some really exciting changes for first home buyers as of July 1, 2017 If you are building or buying your first home ask NAB how they can help you. 350,000 NAB Reward Points – with an eligible NAB Home Loan and Banking Bundle* Apply by August 31, 2017 * Terms and conditions apply. See in-store for details or online at www.nab.com.au

$71,893,162 est.

cost

110 570 Dwelling Additions/ Outbuildings/ Swimming Pools/ Restumps/ Demolitions

$7,130,828 est. cost

Dwelling Additions/ Outbuildings/ Swimming Pools/ Restumps/ Demolitions

$20,673,022 est. cost

The Adviser, New House & Land – May 2017 – Page 7

New House&Land | 2017 Winter Edition

Farmland value through the roof THERE has been no better time to snag up a piece of farmland that will see a nicely returned investment, after the latest figures released in the Rural Bank and Rural Finance’s Australian Farmland Values report revealed that the median value of Australian farmland has increased by 9.3 percent in 2016. In Victoria, a 12.9 percent increase in farmland value has been reported, which is fantastic news for the Goulburn Valley region’s strong agricultural sector. The findings underline the resounding strength of Australian farmland value, with the median price in most states recording an average annual growth rate of three percent over the decade, and more than six per cent for the past 20 years. Produced by Rural Bank and Rural Finance’s specialist market insights division Ag Answers, the report is based on real farm sales since 1995 and draws on more than 230,000 transactions, accounting for 278 million hectares of land with a combined value of $132B. Rural Bank general manager agribusiness, Andrew Smith said the findings confirm the long-term positive outlook for Australian agriculture. “Despite variable seasonal conditions and ever-changing commodities prices, the sustained growth in land prices not only reflects the resilience of the sector, but investor confidence in Australian agriculture’s growth prospects for the future,” Mr Smith said.

Choose your slice of heaven CLOSELY connected to a wide and prosperous farming community, Kyabram is a progressive town with a population of more than 7,000 and an excellent variety of services making it a truly beautiful place to live. The Sunrise Estate is a wonderful new lifestyle opportunity, which offers all necessary facilities including power, gas, town water, main sewer and telephone. With trees, shrubs and seating all provided by the estate’s developer, Vic Properties, the Sunrise Estate is within easy walking distance to three schools and the local shopping centre. Centrally located, there are in excess of 100 shops and areas of interest. The popular R.S.L Club, two golf courses, and cafes are all draw-cards along with a local hospital and health facility services as well as several hotels and

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KYABRAM’S SUNRISE ESTATE… Developed by Vic Properties, Sunrise Estate, is the perfect place to make your home. Photo: Supplied.

motels. Kyabram is a lovely town with three real estate agents, two legal firms and a number of service industries based there. All available lots are titled and are ready to be built on. Feel free to call any of the three Kyabram agents who have these blocks listed, or call Sunrise Estate developer, Vic Properties on 9840 8777.

The Adviser, New House & Land – May 2017 – Page 9

New House&Land | 2017 Winter Edition

Find the perfect block for your home

LOOK THROUGH YOUR OPTIONS… Gagliardi Scott Real Estate director, Gerald Sabri can show you through the many land options available right now, including at Seven Creeks Estate. Photo: David Lee.

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WITH A range of new incentives available to first home owners, there has never been a better time to build your dream home. Gagliardi Scott Real Estate business director, Rocky Gagliardi said, “With these great incentives such as the boost in the First Home Owners Grant, superannuation incentives and the abolishment of Stamp Duty, first home buyers are in a great position right now. “To help, we currently have four very unique estates available that offer different aspects and lifestyle features to suit potential buyers. “Residential blocks in north Shepparton’s Connolly Park which, are close to sporting facilities, schools and hospitals, have been very popular for young families. These blocks average 800m2 and start from $105,000. Woodlands Estate offers half acre and offers rural lifestyle blocks in Tallygaroopna, only 10 minutes from Shepparton. “Riverwood is an affordable family option, with quarter acre blocks in south Shepparton and within walking distance to Riverside Plaza there is extensive park land and a beautiful Seven Creeks bush backdrop. “And finally, Seven Creeks Estate is a prestigious estate next to Emerald Bank, is littered with large allotments and has excellent access to bush and parkland and is only a short distance from the Catholic school that will be built in the next couple of years.” Call Rocky at Gagliardi Scott Real Estate on 0407 826 542 or drop into the office at 182 High Street, Shepparton to get more information on what they have available to you.

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New House&Land | 2017 Winter Edition

Don’t be left in the dark with your current security THROUGH the use of the latest technology, offering only the best safety solutions; when it comes to their state of the art alarm and video, 24 hours, grade A1 monitoring service, Standby Security help clients to protect their families, facilities and assets. Standby Security managing director, Angelo Kakouros said, “At Standby Security we use camera verification security systems offering superior technology and service. “Our security technology not only provides protection while you’re away but also while you’re at home. Standby Security’s 24-hour police approved, Grade A1 monitoring station provides a live rapid response as the systems allows crimes in progress to be detected and recorded.” Standby Security offers sophisticated alarm systems, camera surveillance and professional security guards to protect your home and business. Angelo said, “With our extensive knowledge and with over 25 years of experience, we offer the ultimate customer and after sale service to our clients.” For local home and business protection, ensure your family and business is safe behind closed doors with the guaranteed superior technology and service of Standby Security. Phone 1800 809 579 or visit www.standbysecurity.com.au for more information.

PROFESSIONAL POLICE LICENCED GUARDS ANYWHERE, ANYTIME… Standby Security is fully insured, and has licenced advisers who help to keep your family safe. Photo: Supplied.

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New House&Land | 2017 Winter Edition

Reduced pressure on housing affordability for first home buyers MORE INCENTIVES TO BUILD… There is now another incentive for first home buyers, with the government allowing Australians to boost their savings for their first home by building a deposit inside superannuation. Photo: Supplied.

FROM July 1, First Home Buyers will be in one of the strongest positions they have been in years, with the government announcing it will help Australians boost their savings for their first home by allowing them to build a deposit inside superannuation. From 1 July 2017, individuals can make voluntary contributions of up to $15,000 per year and $30,000 in total, to their superannuation account to purchase a first home. These contributions, which are taxed at 15 percent, along with deemed earnings, can be withdrawn for a deposit. Withdrawals will be taxed at marginal tax rates less a 30 percent offset and allowed from July 1, 2018. For most people, the First Home Super Saver Scheme could boost the savings they can put towards a deposit by at least 30 percent compared with saving through a standard deposit account. This is due to the concessional tax treatment and the higher rate of earnings often realised within superannuation. Many employees will be able to take advantage of salary sacrifice arrangements to make pre-tax contributions. Couples will be able to both access the scheme and combine savings for a single deposit. Individuals who are self-employed or whose employers do not offer salary sacrifice can claim a tax deduction on personal contributions, meaning savings effectively come out of pre-tax income. Voluntary contributions under this scheme must be made within existing superannuation caps. The total concessional contributions an individual can make, from both compulsory employer contributions and voluntary contributions, including those made under the

scheme cannot exceed $25,000 in 2017-18. The amount of earnings that can be released will be calculated using a deemed rate of return based on the 90 day Bank Bill rate plus three percentage points (as per the Shortfall Interest Charge). The First Home Super Saver Scheme will be administered by the ATO, which will determine the amount of contributions that can be released and instruct superannuation funds to make these payments accordingly.

Boosting Michelle and Nick’s first home deposit Michelle earns $60,000 a year and wants to buy her first home. Using salary sacrifice, she annually directs $10,000 of pre-tax income into her superannuation account, increasing her balance by $8,500 after the contributions tax has been paid by her fund. After three years, she is able to withdraw $27,380 of contributions and deemed earnings on those contributions. Her withdrawal is taxed at her marginal rate (including Medicare levy) less a 30 percent offset. After paying $1,620 of withdrawal tax she has $25,760 that she can use for her deposit. Michelle has saved around $6,240 more for a deposit than if she had saved in a standard deposit account. Michelle’s partner Nick has the same income and also salary sacrifices $10,000 annually to superannuation over the same period. Together they have $51,520 that they can put towards a deposit, $12,480 more than if they had saved in a standard deposit account. The Adviser, New House & Land – May 2017 – Page 15

New House&Land | 2017 Winter Edition

Home building loans made easy GETTING a loan to build your new home is as easy as visiting your local credit union. Credit union’s have been assisting people to build their homes for many years and have established a special expertise, which makes the process simple. GMCU Mooroopna branch manager, Sharna Papoulis said, “Building a home is stressful enough. Home builders do not need any added stress from their bank, so we make the process as simple as possible. “Using a loan to fund your new home is done in stages, just like the builder will construct the home in stages. When each stage is completed (for example, frame or fit-out) the property is re-valued and this enables extra funds to be advanced from the loan.” Often a construction loan will start as a loan to buy your land, and will be increased when you start to build. Applying for a construction loan is just like applying for a normal home loan. You will need to complete an application and supply personal details about your finances and income. You will also need to provide details about the construction, like plans and permits. It is important that you prepare a budget of all the construction costs and allow a contingency for unexpected or unplanned costs. You should apply for your loan before starting a contract to build your home, this will give you piece of mind that your finance is approved. Sharna added, “I invite anyone considering a construction loan to visit one of our branches to discuss how GMCU could assist. GMCU loans are not available through brokers,

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HELPING TO MAKE BUILDING EASY… GMCU has been assisting people to build their homes for many years with a simple home loan process, which Mooroopna branch manager, Sharna Papoulis can tell you all about. Photo: Alicia Niglia.

so call in to your local branch and ask about the credit union difference.” GMCU has branches throughout central Victoria, each with experienced lenders who can help home buyers with their choices, including branches in Shepparton,

Mooroopna, Kyabram, Seymour, Euroa, Kilmore, Numurkah, Benalla and Echuca. GMCU can be contacted in Mooroopna on 5825 1999 or Shepparton on 5821 9033 or at www.gmcu.com.au

New House&Land | 2017 Winter Edition

Not just building houses, but developing homes

ENJOY OUTDOORS ALL YEAR ROUND… Spanline can design and build your outdoor sanctuary providing you with protection from the elements throughout the year. From left, Spanline design assessor, Rick Brun with happy customer, Dennis Mifka from Kialla. Photo: Alicia Niglia.

Make the most of your space By Nicholise Garner WHEN I think about the home of my dreams, it’s the verandah that first comes to mind. A place to sit sheltered by the rain and the sun, a place to enjoy the outdoors and the fresh air as I watch the kids play. Spanline design assessor, Rick Brun said, “Spanline has over 30 years in designing and building patios, verandahs and carports. Our design assessors will help you create the space you’ve always of dreamed of, with projects of any size or

colour, customized to suit your lifestyle.” Spanline use superior, high end products with a 15 year warrantee offering a full range of windows and walling which allow you to experience outdoor living at its best. Speak to the team at Spanline Shepparton to make the most of your outdoor living space and increase the value of your home. Call Spanline on 5821 6524, visit them at 86 Benalla Road, Shepparton or check out their website www.spanline. com.au for more information.

THE FACE IN SHEPPARTON’S BUILDING INDUSTRY… … Developed Homes new homes coordinator, Elysia Fallon, directors, Darren Green and Jamie Cox and construction manager, Mick Jeffery. Photo: Alicia Niglia.

DEVELOPED homes is a bespoke custom builder providing full turn-key property solutions, to enable its clients to move in straight away and put up their feet. A new force in the building game, directors, Jamie Cox, Darren Green and Mick Jefferies are excited to provide clients with a high-quality building solution with custom designed plans to help, both investors and people who don’t want the hassle of building a new home. Director, Jamie Cox said, “We take care

of everything for our clients to give them a truly unique experience and enjoy the building process. Our approach is simple, we want our clients to build a better life by providing a complete end to end solution, that removes the traditional issues of having to finish homes off when you move in.” Why not check out the range at the Developed Homes new display at 83 Sanctuary Drive, Kialla Lakes, visit online at www.developedhomes.com.au or call them on (03) 5821 0853.

The Adviser, New House & Land – May 2017 – Page 17

New House&Land | 2017 Winter Edition

Build your dream home now Limited blocks available MEET THE TEAM … The faces of Link Building Systems, from left, first year apprentice carpenter, Keith Doxey, third year apprentice carpenter, Jayden Hartigan, estimator, Andrew George, third year apprentice carpenter, Austin Tricarico, first year apprentice carpenter, Callan Madill, third year apprentice carpenter, Nathan Merigan, technical consult, Geoff Maynard, labourer, Chris Delaney, labourer, Euan Emery, project manager, Cameron Wood, tiler, Stefano Chapman, labourer, Yarrann Emery, project manager, Brett Mackay and labourer, Raymond Curtis. Photo: Nicholise Garner.

Covering all bases from the ground up SHEPPARTON is a builder’s paradise right now with so much development in the area and according to Link Building Systems project manager, Cameron Wood, it’s not only new houses that are keeping builders busy, home renovations are a big part of the work that they do. Cameron said, “Link Building Systems are developing a reputation far and wide and we’re very proud of the work that we do. We have a very efficient team and a variety of technical systems in place, enabling us to undertake projects throughout northern Victoria. “There has been a natural follow on through the work that we do, with clients using us for jobs like re-stumping or

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underpinning and then word of mouth has spread and we’re not only working locally but servicing areas far and wide for building and renovation projects. “We have a highly skilled team here at Link Building Systems, which not only makes us versatile but proudly professional and reliable. Most importantly, we strive to meet our client’s expectations and to provide quality workmanship.” Speak to the team at Link Building Systems to discuss your building needs. Call them on 5821 4516 to organise an on-site inspection or visit www.linkbuildingsystems.com.au

THE Gardens Estate in north Shepparton, off Parkside Drive, has proven to be extremely popular, with several new homes currently under construction. Over the past 11 months, 16 blocks have been sold in this estate alone, along with many other blocks in subdivisions under the care of Kevin Hicks Real Estate, including Kialla Lakes, Grammar Park Gardens and North Links to name a few. Proud new homeowner, Jess Greene said, “The process of securing my block was made easy with the service provided by Kevin Hicks Real Estate. They were prompt in their follow up with any queries and kept me well informed at all times from purchase to settlement.” With the First Home Owner’s Grant about to increase July 1, now is the time to talk to the team at Kevin Hicks Real Estate to secure your block in the estate of your choice to make your dreams come true. Kevin Hicks Real Estate is located at 228-232 Wyndham Street, Shepparton or can be phoned on 5821 8388.

New House&Land | 2017 Winter Edition

Development is in the family PROBABLY one of the best testaments to any builder is to have customers choose to build with them again. Hotondo Homes are seeing return customers and relatives of their customers. In fact, Hotondo Home’s newest display home, which is set to begin construction later this year in Kialla, has already been sold to one of Hotondo Home’s previous and obviously very satisfied clients. Hotondo Homes managing directors, Colin and Suz Mintern were excited to talk about the latest developments at Hotondo Homes. Colin said, “There’s a lot going on for us at Hotondo Homes right now. We’re really excited by the prospect that within weeks the title of land for Hontondo Homes’ newest display home, will be released. The ‘Marcoola 269’ is a wonderful design, especially versatile for growing families. It’s such a great home, it’s already sold!” Hotondo Homes truly is a family business. Colin said, “We’re thrilled to have our daughter, Jody and son-in-law, Greg join the Hotondo Homes team.” Suz said, “Jody and Greg have left great jobs in Melbourne to work with us here and to settle in Shepparton and we’re incredibly happy about that. “With the First Home Owner’s Grant available from July 1, 2017 and with so many beautiful sites available in the area, we’re thrilled to have another display home on its way as an example of our work and to have the support of such a great team.” Visit the Hotondo Homes Eureka 307 display home at 82 Canterbury Avenue, Shepparton and watch the progress of their newest display home at Sanctuary Drive, Kialla Lakes Estate. Phone 5831 2250 for more information.

EXCITING NEWS FOR HOTONDO HOMES… Hotondo Homes Shepparton is a family run business that prides itself on exceptional customer service and high quality workmanship. From left, sales manager, Greg Clarkson, office manager, Jody Mintern and managing directors, Suz and Colin Mintern. Photo: Alicia Niglia.

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