Property July 19, 2019
& LIFESTYLE
Love
AT FIRST SIGHT
Proudly marketed by Bayleys
CUBIC
5 WAS $9 8 NLY $7 O W O N
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AND LANDSCAPE SUPPLIES
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5 WAS $5
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FURTHER DETAILS
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Love at first sight 15A Hanrahan Street, Allenton Appealing modern decor with updated kitchen and bathroom with all the bells and whistles, no expense has been spared. This townhouse is heated by a heat pump in the living room and a panel heater in the hallway.
Two double bedrooms with wardrobes. Internal access from single garage. Car parking enough for an extra vehicle. Classic stylish landscaping is easy care.
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OPEN HOME
Saturday, July 20 11am – 11.30am ALLENTON LOCATION
FRONT TOWNHOUSE
UPDATED THROUGHOUT
Great handy spot, close to Radius Millstream and upmarket subdivisions with well appointed walking tracks
Great street views and plenty of sun
Amazing transformation here; new kitchen, bathroom, floor and window furnishings with a modern outside landscaping
WE APPRECIATE YOUR FEEDBACK
Asking Price NZD $335,000
Jenny Gray
Phone 03 307 7377 or 027 452 2888 jenny.gray@bayleys.co.nz
bayleys.co.nz/5510429 WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008
ADVERTISING Emma Jaillet-Godin | emma.j@theguardian.co.nz | 03 307 7936
Luxaflex roller blinds
Specialist advice if you are building or renovating.
Rosa Watherson Chatham
FURNISHINGS | FLOORING | CURTAINS
Lourdes
Silkroad
dip. interior design
Burnett Street, Ashburton Phone (03) 308 5269 | www.redmonds.co.nz
Paying off
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the mortgage By Ashley Church nzme
Owning your own home, mortgage free by the time you retire is probably the minimum prerequisite for anyone who wants to live comfortably in their golden years. So, what I’m about to suggest may come as a shock to you Paying off the principal on your loan, over the lifetime of the loan, isn’t necessarily the best way to pay off your mortgage by retirement. Surely such a statement is sacrilege? For as long as I can remember, the importance of paying off the mortgage before we retire has been drummed into us, as a mantra. But my suggestion isn’t challenging that idea – just the way in which we achieve it. Consider the way that a mortgage usually works. You borrow a sum from the bank, which is secured against your home, then, over the lifetime of the mortgage you repay the original sum borrowed and also pay interest on that sum. In most cases that mortgage will be structured as something called a “table mortgage”, which simply means that the bank factors in the reducing cost of interest as you pay off more principal and calculates it as one consistent payment, per month, throughout the life of your mortgage. But what if you didn’t repay the original loan, only the interest? How could this work? Well it all comes down to capital growth and the history of cycles in the New Zealand property market. Consider this: when my mum and dad built their own home in Napier in 1970 it cost them $30,000. They didn’t actually need all of that as they paid a deposit of $4000 toward the home, but for the purposes of this exercise let’s assume that they borrowed the whole sum and that the house was worth the same amount: $30,000. In 1980, 10 years later, their home was worth pretty much what they paid for
it in 1970, but in each of the following four decades the house more than doubled in value and is currently worth around $525,000. Mum sold that house a few years ago but these numbers mean that, instead of struggling away to pay off the principal back in the ’70s and ’80s (a lot of money at the time), she could have simply paid off the original $30,000 loan sum from the proceeds when she sold the house. A small amount, relative to what the house actually sold for. The story gets even more compelling for property investors. If you purchase three or more properties over your lifetime and hang on to them, then chances are that the resale of one will pay off the mortgage on the others, even if you only ever pay interest on the loans against all three. The longer you own property the more this strategy works in your favour, and the reality is that most
people probably wouldn’t wait until retirement until making that final lump sum payment. As in my mum’s case, the original mortgage sum had become so small that she could probably have repaid it earlier if she had chosen to do so. This strategy isn’t for everyone, of course. For starters, it requires a belief in the concept of “property cycles” and a degree of confidence that these will continue into the future. For others, the change in mindset from “paying off the mortgage” to “paying only the interest” is simply too much to get our head around and seems more like wizardry than economics. Some will also point out that you would actually end up paying more, in nominal terms, if you only paid interest and repaid the original sum borrowed, as a lump sum at the end of the same period you’d have paid off a traditional mortgage. This is true. The $30,000
my mum and dad borrowed would have cost them around $58,000 over 30 years at 5 per cent - but $75,000 if they only paid interest throughout the life of the loan and repaid the principal at the end. But this is overwhelmingly offset by the effect of inflation and in real terms they’d have ended up paying dramatically less. Of course, it isn’t a given that a bank would allow you go interest only for a prolonged period, if at all. Generally, bank policy is to only allow mortgages to be interest only for up to five years – and some banks will allow interest only for investors but frown upon it as a strategy for owner occupiers. For all of these reasons going interest-only isn’t right for everyone, but for those keen to save some money, or to divert it to other purposes, it’s well worth a second look.
New Homes Alterations New Home Light Commercial Alterations New Homes New Homes New Homes New Homes Light Commer Earthquake Alterations Alterations Alterations NewAlterations Homes New Homes strengthening and Light Commercial Alterations Earthquake Light Commercial Alterations Light Commercial Repairs, andLight Compliance. Light Commercial Commercial strengthening an Earthquake Earthquake Earthquake Earthquake Repairs, and Compl Earthquake strengthening andstrengthening strengthening andand
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Email: josephbuilders@xtr
Allenton 40 Saunders Road
Allenton 86 Creek Road
Bonus rumpus
3
Three bedrooms plus a rumpus room with many options. There are six solar panels on the roof, a compliant log burner and heat pump. The ceiling has double insulation and there is also insulation under floor. A higher than normal double garage.
Asking Price $365,000 View Sat 10.45-11.15am or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
bayleys.co.nz/5510121
Spacious and comfortable
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This home offers a large split level open plan living space, large bedrooms with built in wardrobes, two bathrooms plus a bonus study. A great big family home on a fully fenced section with a double garage and sheds.
For Sale offers invited over $355,000 View Sat 11-11.30am or by appointment Sarah Everist 021 0828 5816 Eliza Waszczak 021 039 1770
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
bayleys.co.nz/5510394
NEW LISTING
Allenton 15A Hanrahan Street
Allenton 183 Harrison Street
Love at first sight
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Townhouse in Allenton. Up to the minute interior with updated kitchen and bathroom. Two double bedrooms with wardrobes. Internal access from single garage. Car parking enough for an extra vehicle.
Asking Price $335,000 View Sat 11-11.30am or by appointment Jenny Gray 027 452 2888 jenny.gray@bayleys.co.nz
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
Amazing outdoor entertaining
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A comfortable family home. Updated throughout and with a compliant log burner and HRV system. Large elevated deck at the back of the house. Fully fenced section with a double garage and double carport.
Asking Price $380,000 View Sat 12.45-1.15pm or by appointment Sarah Everist 021 0828 5816 sarah.everist@bayleys.co.nz
bayleys.co.nz/5510429
bayleys.co.nz/5510507
Allenton 15 Allens Road
Allenton 11B Cross street
Different from the rest
3
This property has been stripped back to framework, strengthened and straightened, new Rhondo steel stud system installed, fitted with Earthwool insulation, completely re-wired with LED lighting.
For Sale offers invited over $320,000 View Sat 12-12.30pm or by appointment Sarah Everist 021 0828 5816 Eliza Waszczak 021 039 1770
bayleys.co.nz/559906
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
Centre West
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Tidy townhouse on a private rear, easy care section handy to Ashburton's CBD and local amenities. Generous size living room flowing into a conservatory to view the lovely plantings. Double garage attached.
Asking Price $360,000 View Sat 10-10.30am or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
bayleys.co.nz/5510231
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.
Jock Fulton 027 607 2555
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
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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
Netherby 64 Bridge Street
Netherby 32 Albert Street
Solid and classic home
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Open plan kitchen and dinning 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 WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
Entertainers delight
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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
bayleys.co.nz/5510314
bayleys.co.nz/5510272
Hampstead 38 Eton Street
Tinwald 69 McMurdo Street
Cottage on Eton
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Investment with future potential. Long term tenant is keen to stay if possible. The roof has been replaced with color steel and the wiring has recently been replaced as well. The cottage is 90sqm and sits on a 500sqm street facing section.
Asking Price $210,000 View by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz
bayleys.co.nz/559250
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
Top value
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Looking for a first home or a rental property? This house has been upgraded with a compliant woodburner, carpet and decorating in a neutral palette which gives this home a nice modern feel.
Asking Price $260,000 View by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz
bayleys.co.nz/5510212
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
Tinwald 70 Johnstone Street 3
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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
Room for everything Lifestyle property consisting of 2.0790ha (more or less). This two storey home has three bedrooms, main with en-suite, open plan kitchen/dining and large living areas are heated with heat pumps and an open fire. A one bedroom sleep out with a living room is attached to a double garage plus the added bonus of a 20 metre x 14 metre fully enclosed Totalspan shed. - The home and all sheds plus approximately one hectare Subject to Survey: - $585,000 GST inclusive - Bare land of approximately 1 hectare Subject to Survey: - $230,000 GST inclusive
bayleys.co.nz/5510211
Mayfield Panthers Rock Asking Price $550,000 View by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008
Panthers Rock Sale includes land and building plus stock at valuation. Superior country pub now operating as a cafe', bar and restaurant.The property is located on the north eastern side of the Arundel Rakaia Gorge Road (the Inland Scenic Route) in the rural Mid Canterbury township of Mayfield. Mayfield is a large developing rural area with a growing population. Panthers Rock enjoys the benefits of catering to locals and many travellers using the Inland Scenic Route. It has maintained # one spot on 'Trip Advisors' ratings for restaurants in the Ashburton district for the past two years. An outstanding and enviable feature of Panthers Rock is the available space.
bayleys.co.nz/5510184
bayleys.co.nz
18
Six tips to a successful move
Mortgage rates
4.35
%
P.A.
2 years
4.35
%
P.A.
2 years
3.85
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P.A.
2 years
4.99
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By Nicole Anzia nzme
What is the worst thing about moving? It’s a tough call. Purging is stressful, packing is physically draining, moving your belongings is exhausting, and unpacking can be arduous — especially after all you’ve accomplished to just get to that point. Here are some tips to help simplify the process. Review measurements Whether you’re buying or renting, make sure you have accurate measurements of all the rooms and storage areas in your house. If you don’t have a floor plan with measurements, measure before you move. Think through where it makes most sense to place everything, whether it’s furniture or lightbulbs. If you don’t do any planning, items will either be stashed in the nearest cabinet or closet in a rush to empty moving boxes, or they’ll be unpacked but not put away — creating clutter in your new home. If you have a clear idea of where everything will go, there will be fewer decisions to make on moving day and less rearranging required in the weeks and months that follow. Prep storage spaces If there are any closets or other storage spaces that need painting, do
Specialists in: • Air Conditioning/Heat Pumps
that before you move in. You won’t want to do it after you’re settled. To expedite unpacking in the kitchen, install drawer and cabinet liners to protect surfaces before your move. This is a lot easier to do before you begin to unpack. If you’re absolutely certain where items such as silverware, spices and food will be stored, you can buy drawer dividers, a spice rack and pantry bins, but these can also be easily installed after the move. However, if you’re planning to use industrial shelving in an unfinished basement or garage, it is helpful to have those shelves built, and in place, before your move. Having surfaces ready to hold bins and boxes will make it easier to get everything off the floor, giving you space to move. Label the right way Label boxes according to the rooms where they will be unpacked at the new house, instead of the location where the contents were stored in your previous home. Label the boxes both to indicate what is inside and where it will go. I realise this sounds elemental, but it is common for boxes to be labelled vaguely, with only the destination specified, and then no one can find a plate or a glass among the 30 boxes
labelled “kitchen”. Place a box cutter in each room so that you’re not searching for the one or two pairs of scissors floating around the house. Put one or two empty boxes in each room to hold packing paper and bubble wrap as you unpack. Break down the other boxes as you empty them. Only take what you want Make arrangements to get rid of unwanted furniture and other household items well in advance of your move. It’s a waste of time and money to have movers haul items you ultimately don’t need or want. Even as you’re feeling overwhelmed by the multitude of decisions that moving requires, take some time to choose what will go with you and what you can part with ahead of time. Donation pickups, especially for bulky pieces of furniture, usually need to be made a few weeks in advance, so put this at the top of your to-do list after you’ve signed a contract on a new home. Create a schedule Create a plan for unpacking. It will be tiring work and will probably take longer than you think — at the very least a few days and probably a few weeks. Prioritise unpacking the most important items. Boxes for the kitchen, the bathrooms and linens for each
YOUR DIY REPAIRS YOUR WAY
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4.79
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588 East Street, Ashburton Phone 03 308 8061 info@ashburtonuhire.co.nz www.ashburtonuhire.co.nz
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*At the time of printing bedroom should be unpacked first. And if you discover broken valuables, photograph them immediately so you can seek reimbursement from the moving company. Reduce waste Notify your new neighbours, friends and family that you have moving boxes to give away. This is a win-win for everyone — and the environment. Unpacking after a move is like running the last ten kilometers of a marathon. If you’ve paced yourself and made a plan, you’ll feel triumphant and energised once the work is done. But if you’ve worn yourself out getting to the 32 kilometers mark and haven’t strategised about how to get over the finish line, you are likely to feel frustrated and overwhelmed.
If a home of excellent design and exceptional quality of workmanship is important to you, then look no further than Des Millar Construction. The quality home builders.
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Phone 308 7182 On-call 021 597 517 211/D Alford Forest Rd, Ashburton
2 years
Today’s construction is tomorrow’s legacy
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Come and see us today.
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RTO Construction Ltd Rodney Grant 027 634 1631 rtoconstruction@yahoo.co.nz facebook.com/rtoconstruction
Housing Commercial Farm Renovations
With more than 30 years of building quality homes for the Mid Canterbury community, Des has a strong reputation for “old school” workmanship, backed by results.
For housing, Commercial, farm buildings and renovations, contact Des anytime for a free no obligation quote on 03 308 9936 or 027 432 3258
33 Lane Street
$305,000
117 Creek Road
$311,000
OPEN HOME SATURDAY, JULY 20 10.45AM – 11.15AM
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91 Creek Road
4 Whiteoak Grove
3 Good sized bedrooms Modernized kitchen with bay windows Open plan living with modern carpet Heat pump and Pellet fire Lovely tiled bathroom, pedestal basin
OPEN HOME SATURDAY, JULY 20 10.45AM – 11.15AM
When it comes to location this home will be hard to beat your living in the country but your in town. Walk-in wardrobe and en-suite off main bedroom, separate bathroom with shower, bath & vanity Open plan kitchen, dining and living separate good sized lounge, Double garage internal access, Walk-in pantry Lawns, paths, patios & fencing will be completed.
$585,000
11c Wills Street
Neg over $395,000 OPEN HOME SATURDAY, JULY 20 10AM – 10.30AM
OPEN HOME SATURDAY, JULY 20 10AM – 10.30AM
OPEN HOME SATURDAY, JULY 20 11.30AM – 12 NOON
• Looking for a property to call your own, this entry level property would make a great first home, or super investment property to get you onto the property ladder. Current tenants are keen to stay so your first investment will be all ready to go. • Two double bedrooms, kitchen dining and separate living heated via a heat pump for all year-round comfort.
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132 McMurdo Street
4 Bennett Place
Offers over $218,000
Neg over $618,000
OPEN HOME SATURDAY, JULY 20 10AM – 10.30AM
This property not only presents an excellent investment opportunity given its proximity to the Allenton amenities but would be equally well-suited as a retirement/first home The versatile layout features two bedrooms and open plan dining/ living which is sun-drenched and updated heat-pump and living area flooring.
Offers over $215,000
6 Kelburn Place
A smart decision for easy living 4 bedrooms Master with spacious WIR and light and bright ensuite Two heatpumps for year round comfort Beautiful spacious kitchen with butler’s pantry
OPEN HOME SATURDAY, JULY 20 11.30AM – 12 NOON
Neg over $585,000
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144sqm townhouse, land area 408sqm 2 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
2/179 Harrison Street Neg over $289,000
OPEN HOME SATURDAY, JULY 20 10.45AM – 11.15AM
Whether you’re a first home buyer, investor or just wanting an affordable home then this well maintained character home will not disappoint. It has 3 Bedrooms, 1 Bathroom, separate laundry with open plan living, it has a log burner with wetback for those cooler months.
When it comes to location and presentation this home is hard to beat. Located in a very quiet cul-de-sac where homes rarely come on the market. Check out the specification. • 231 m2 four–bedroom home • Three–car garaging (access through roller door to backyard)
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43 Braebrook Drive Neg over $565,000
206 Seafield Road
31 Douglas Drive
• 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
Proud to present this immaculate lifestyle living which is close to town. Land area is 2.0234 ha divided into 7 paddocks. All fencing is of a good standard. Also has its very own dressage ring. Property is well set up for horses.
Relax, Entertain and Enjoy • 4 true double bedrooms, with huge wardrobes • His and hers walk in wardrobe, shoe rack, mirror & storage • Ensuite has tiled walk-in double shower with separate toilet • Main bathroom has freestanding bath, walk-in tiled shower, & vanity
89 Thomson Street
4/86 Burnett Street
6/86 Burnett Street
Neg over $218,000
• DIY or Investment Property • Are you looking for your first home or investment? Here is an opportunity for you! • This affordable 2 bedroom with sunroom or possible 3rd bedroom home may be just what you are looking for.
Neg over $665,000
$465,000
Prime location, Prime Opportunity • 6 Brand New Townhouses so close to Town. Completion anticipated in October • 3 Bedroom • Open plan Kitchen, dining and living area with great indoor/ outdoor flow
3 Bedrooms Updated Carpet Separate games/ living area Heat pump and Fully insulated
• Top location • 160sqm
Neg over $849,000
$460,000
Prime location, Prime Opportunity • 6 Brand New Townhouses so close to Town. Completion anticipated in October • 3 Bedroom • Open plan Kitchen, dining and living area with great indoor/ outdoor flow SBW DEVELOPMENTS LTD LICENSED UNDER THE REAA 2008
MARK WILLIAMS Sales Consultant PHONE 027 442 2281
DEBBIE BOON Sales Consultant PHONE 027 448 4006
THERESA HISLOP Sales Consultant PHONE 027 514 1330
SHERYL BOTHA TEAM ADMINISTRATOR PHONE 03 307 4222
326 EAST STREET, ASHBURTON 03 307 4222
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Ashburton
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G. & D. Russell Builders Ltd
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12noon–3pm . . . . . . . . . . . . . . . . . 8 Whiteoak Grove
SATURDAY BY APPOINTMENT ONLY SUNDAY
TINWALD 8am–5pm . . . . . . . . . . . . . . . . . . 8 Whiteoak Grove
MONDAY - FRIDAY
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METHVEN 11-12noon ..................................................4 Mays Lane
SUNDAY
ASHBURTON 10-10.30am ........................................... 117 Creek Road 10-10.30am .......................................... 11c Wills Street 10.45-11.15am .........................................33 Lane Street 10.45-11.15am .......................................4 Bennett Place 11.30-12noon .......................................... 91 Creek Road
ASHBURTON 10-10.30am ......................................... 11B Cross Street 10.45-11.15am ................................... 40 Saunders Road 11-11.30am ....................................15A Hanrahan Street 11-11.30am .............................................86 Creek Road 11.30-12noon .......................................64 Bridge Street 12-12.30pm ............................................15 Allens Road 12.15-12.45pm ..................................... 32 Albert Street 12.45-1.15pm ...................................183 Harrison Street
TINWALD 10-10.30am .......................................4 Whiteoak Grove 10.45-11.15am .......................................6 Kelburn Place 11.30-12noon ..................................132 McMurdo Street
SATURDAY
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