Property August 2, 2019
& LIFESTYLE
Classic REGENCY STYLE
Proudly marketed by Bayleys
5 WAS $9
CUBIC
METRE
8 NLY $7 O W O N
AND LANDSCAPE SUPPLIES
08 WAS $1
CUBIC
0 NLY $9 O W O N
METRE
5 WAS $5
CUBIC
5 NLY $4 O W O N
METRE
FURTHER DETAILS
.50 WAS $8
P10
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PER BA
.50 NLY $6 O W O N
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Classic regency style 64 Bridge Street, Netherby If you’re looking for that homely feel with good bones, then this property is worthy of a look. The open plan kitchen and dining area is modern, spacious and flows out through sliding doors to the covered north-facing veranda, the perfect spot for a morning coffee while reading the newspaper. A compliant log burner keeps this home cosy and warm in winter. A large separate living room heated by a wall mounted heat pump can be opened up to create one large living space or closed off to be completely separate. Three double bedrooms all with builtin wardrobes, master room has two wardrobes and a full length north-facing window. The bathroom was updated approximately five years ago with everything needed to be a fully functional family
bathroom; bath, corner shower, toilet and vanity. Separate laundry connects the covered back door to the main living area and even has room for a small chest freezer! This property has been well maintained and cared for by the vendors over the last 24 years. New 180L hot water cylinder installed in 2015 and ceiling insulation topped up winter 2018. Constructed using concrete block and tile with established gardens edging the fully fenced section. Single garage with workshop and remote door. Private backyard with the bonus of a large wood/ utility shed. All of this located in walking distance to the local shops, pre schools, primary and intermediate schools. Just around the corner from the sought after Braebrook subdivision.
WE APPRECIATE YOUR FEEDBACK
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OPEN HOME
Saturday, August 3 10.45am – 11.15am
Sarah Everist
Phone 03 307 7377 or 021 0828 5816 For sale NZD $350,000
Mick Hydes
Phone 03 307 7377 or 027 437 9696
bayleys.co.nz/5510314 WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008
ADVERTISING Emma Jaillet-Godin | emma.j@theguardian.co.nz | 03 307 7936
NATIONWIDE FLOORING
PERFORMANCE
SALE
COLLECTION
SOLUTION DYED NYLON Provides ultimate in carpet colourfastness, stain protection and performance.
HUGE SAVINGS
ON CARPET AND HARD FLOORING
CASA MIA NOW $113 BLM Soft loop pile
FURNISHINGS | FLOORING | CURTAINS
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Burnett Street, Ashburton Phone (03) 308 5269 | www.redmonds.co.nz
The major change
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to NZ’s rental sector
By Ashley Church nzme
Is there any particular reason why Jacinda Ardern announced her Cabinet reshuffle of the housing portfolios on the 27th of June? Probably not. But a cynic might draw the conclusion that she did so to attract attention away from the devastating effects of a piece of legislation, passed in Parliament the previous day, which ushers in one of the biggest changes in housing policy in years. Bigger than KiwBuild, bigger than the decision to dump capital gains tax, bigger than the ban on foreign buyers. If you missed it, you’re not alone. So did almost everyone else. Indeed, nothing in the name of the bill gave any indication of what was hidden away in its small print. But introduced under the innocuous name of the Taxation (Annual Rates for 2019–20, GST Offshore Supplier Registration, and Remedial Matters) Bill were provisions that have ended the ability of property investors to offset rental losses against other income. In doing so, this bill will unquestionably have a greater impact on the supply of rental accommodation in New Zealand than any other housing legislation passed, in this country, in the past half century. Let me explain why. Up until this bill was passed, property investors who made a loss on a rental property could offset that loss against other income which, for most investors, was from a small business or a nine to five job. This means that someone who owned a rental property on which interest, insurance, rates, maintenance and other costs exceeded the income from rent on the property could either deduct the difference (the loss) from their other taxable income, or be eligible for a refund if they had already paid tax elsewhere. It isn’t a subsidy or a loophole, it’s a standard tax practice that is applied broadly against hundreds of thousands of businesses across New Zealand and
is based on the principle that the costs associated with establishing and running a business should be deductible from overall income. But not anymore. With the passage of this new bill rental property tax losses will now be ring-fenced, which means that they can be used only to offset taxable income from rent. That might sound reasonable – until you realise that investment property in the major metropolitan centres (including Auckland and Wellington) generally makes a loss for up to 10 years before it starts making a profit. In a sense, such property investors are actually subsidising their tenants – a claim which will draw howls of outrage from the usual quarters, but is nevertheless, true. Even with the previous ability to claim losses against other income, many landlords are still out of pocket for years. According to Inland Revenue,
116,000 property owners declared an average property investment loss of $7138 on earnings in the 2016/17 year. The introduction of this draconian legislation means that these people will now not only make a loss but will also pay over $2000 more in tax, per year, than they should. At the same time, the Government will pocket a windfall of over $230 million, per year, by not refunding investors for overpaid tax. The consequences of this law change are entirely predictable. Some landlords will look to recover this additional cost through the most obvious source – rent. This means that rents will rise even more at a time when we’ve already seen higher rent increases, over the past two years, than we saw in the previous 10. Others will see this as the final straw in a hostile rental environment which has already seen their costs increased
through new legislative and compliance requirements. Those investors will sell up and leave the market, meaning that the supply of rental accommodation will drop at precisely the time when the country needs more rental housing than ever before. Most alarmingly, this will provide yet another reason not to invest in rental property in the first place - a turn of events which will certainly compound an already serious market shortage. Taken in context with the Government’s other rental housing policies and initiatives, it would be difficult to deliberately design a set of policies which would more effectively destroy the rental sector and remove the incentives which have made private citizens the dominant providers of rental accommodation, in this country, for over half a century. You’ve been warned.
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 and Compl Earthquake strengthening andRepairs, strengthening andand strengthening
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strengthening Repairs, and Compliance. Phone Repairs, andand Compliance. strengthening and Repairs, and Compliance. Repairs, and Compliance. (03) 303 Repairs, and9830 Compliance. Phone Phoneor Phone (03) 303 9830 or(03) 303 9830 or 0800 500 564 0800 500 Phone 564 0800 (03) 500 564303 9830 Phone Phone 0800 E:(03) josephbuilders@xtra.co.nz 303 9830 or 500 564 Email: josephbuilders@xtra.co.nz Email: 9830 josephbuilders@xtra.co.nz (03) 303 303 9830or or W: (03) www.josephbuilders.co.nz 0800 500 564 Email: josephbuilders@xtra.co.nz 0800 500 564 0800 500 564
Email: josephbuilders@xtr
Allenton 40 Saunders Road
Allenton 86 Creek Road
Bonus rumpus
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Three bedrooms plus a fully lined and insulated rumpus room with excellent lighting. There are six solar panels on the roof to ensure energy cost are kept down, a compliant log burner and heat pump.
Asking Price $365,000 View Sat 10-10.30am or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz
bayleys.co.nz/5510121
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
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
Allenton 21 Churchill Avenue
Allenton 183 Harrison Street
All class here
4
Vendor invites offers in the vicinity of $625,000. Located in a top Allenton location, on a very private 1,146sqm back section. A huge conservatory built for all day sun, also an office or formal dining room.
Price by Negotiation View by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz
bayleys.co.nz/558307
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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 12.30-1pm or by appointment Sarah Everist 021 0828 5816 sarah.everist@bayleys.co.nz
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
bayleys.co.nz/5510507
Allenton 23 Andrew Street
Allenton 15 Allens Road
It's all here!
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Set amongst a mature garden this attractive home has been a much loved property for around 30 years. Two adjoining living areas open to covered patio. There are fruit trees and a vegetable garden. Ratable value $335,000.
Price by Negotiation View by appointment Jenny Gray 027 452 2888 jenny.gray@bayleys.co.nz
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
bayleys.co.nz/559919
Different from the rest
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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 11.45am-12.15pm 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
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
bayleys.co.nz
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
Allenton 11B Cross street
Netherby 64 Bridge Street
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 by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
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 10.45-11.15am or by appointment Mick Hydes 027 437 9696 Sarah Everist 021 0828 5816 WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
bayleys.co.nz/5510231
bayleys.co.nz/5510314
Elgin Geoff Geering Drive
Netherby 32 Albert Street
Eco friendly sub-division
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 11.30am-12pm or by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz
Geoff Geering Drive - stage two. Sections ranging from 536sqm to 859sqm available. Prices are from $136,500 - $143,850. Ashburton District Council have developed this affordable but eco friendly subdivision.
bayleys.co.nz/559591
For Sale $136,500 View by appointment Mick Hydes 027 437 9696 mick.hydes@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
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WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED REAA 2008
bayleys.co.nz/5510272
Little Akaloa 162 Little Akaloa Road 4
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For Sale by Deadline Private Treaty (unless sold prior) 4pm, Thu 15 Aug 2019 3 Deans Ave, Chch View by appointment Ben Turner 027 530 1400 ben.turner@bayleys.co.nz Evan Marshall 027 221 0910 evan.marshall@bayleys.co.nz WHALAN AND PARTNERS LTD, BAYLEYS, LICENSED UNDER THE REA ACT 2008
Little Akaloa Located in the popular bay of Little Akaloa on the favoured Eastern Bays side of Banks Peninsula we have a 154ha summer-safe property with good rainfall (approximately 1,200mm per annum), on strong hill country of medium to steeper contour. Situated on a level site on the sunny side of the valley is an older but comfortable 330sqm weatherboard home. Numerous options exist here as an add on to an existing farm or treat it as a country retreat with an income. It is situated in a great location, close to a safe, sandy beach with the very popular and picturesque township of Akaroa close by.
bayleys.co.nz/5510465
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
14
What home
Mortgage rates
4.29
%
buyers should know about insurance
P.A.
2 years
4.29
%
P.A.
2 years
3.79
%
P.A.
2 years By Amie Paston nzme
For most Kiwis, your home is probably the single biggest purchase you’ll ever make. It’s a stressful process and it makes sense that you’d want to secure insurance to protect yourselves and your new home from natural disaster, fire or any other accidental events. Real Estate Authority (REA) chief executive Kevin Lampen-Smith, says: “Adding insurance near the top of your checklist when hunting for a house is now very important as the insurance market is changing. A bank or lender will want proof that you have arranged property insurance before settlement, even if you have conditional pre-approval with your finances”. To work out if a property can be insured, contact different insurance companies to get a quote. It can also be a good idea to talk to an insurance broker. They are independent insurance experts, who work for you and are not attached to an insurance company. They will give you advice on what might be best for your situation – identifying risks and recommending cost-effective solutions. “If you already have contents insurance, get in touch with your insurer first to see if they’ll offer you property insurance,” says Lampen-Smith. Insurers often ask lots of questions about your personal insurance history and whether you (or anyone who will be living at the property) have any criminal convictions. “This is because they want to be sure
that you are a ‘good risk’, especially since this will be your first home. Having an existing relationship with an insurer means that you have already been assessed in this way,” Lampen-Smith says. An insurer will want to know as much as possible about the property you want to buy – its address, age, condition, size and the materials it is made from. If the house is being sold by a licensed real estate agent, they should be able to help you out with this information. “You can ask the agent if the property is currently insured and whether there have been any issues with the property that could affect its chances of being reinsured in the future,” Lampen-Smith says. “If you are aware of other risks to the property that an insurer is unlikely to know about, such as landslip issues – even if there has not been any damage to the home yet – you need to tell the insurer when applying for a quote or for cover. For example, if the house is in an area that has been flooded before, an insurer may limit or exclude any cover for flood damage. If this is the case, it’s better to know as early as possible,” Lampen-Smith says. “You can contact the Earthquake Commission (EQC) directly to see what information they might have on record regarding potential damage to the property from natural disasters.” “I also suggest seeking legal advice before signing a sale and purchase agreement as you may need to make
confirmation of insurance an important condition of your offer,” says Lampen-Smith. There are a few different types of insurance – ‘sum insured’ is the most common in New Zealand. The Insurance Council of New Zealand (ICNZ) has a great guide to house and contents insurance, which runs through the options. Insurance companies are reassessing how they cover coastal or clifftop properties or properties in low lying areas that may suffer from seawater inundation due to the increasing risk of environmental damage or rising sea levels. This means that the cost of premiums may increase, exclusions may be added, or insurance cover may be withdrawn for some properties as the risk changes. EQC doesn’t cover damage to land from coastal erosion (although it does cover storm and flood damage to land) or damage to residential structures or contents from storms, floods or coastal erosion. “While earthquake damage is covered by EQC, you must have private home insurance first to qualify for it,” Lampen-Smith says. The premium you pay is broken down into the cover that goes to the company and a levy that goes to EQC and Fire and Emergency NZ. From 1 July 2019, EQC no longer covers contents – affecting policy holders on the anniversary date of their existing policy, which is generally the annual renewal date, or if you take out a new policy. “If an insurer agrees to cover a prop-
4.79
% 2 years
4.79
%
P.A.
2 years
*At the time of printing erty you wish to buy, let your lender know immediately. You will need the insurance to start on settlement day, when the property officially becomes yours, even if you aren’t moving in that day. In most cases you can set the insurance up around 6–8 weeks before you settle – arranging it early means one less thing to do close to your settlement day.” “If you can’t find an insurer willing to insure the house you are keen to buy, it may be safer to walk away. If you do find an insurer for the property, make sure you read and understand the policy. And, don’t leave any insurance matters to the last minute or fail to read the fine details in documents the insurer sends you once cover has been arranged,” says Lampen-Smith.
TALBOT SECURITY GROUP Key Cutting Solutions • • • • •
P.A.
Key Reprogramming House Keys Transponder Car Keys Car Remotes Car Keys
E - operations@talbotsecurity.co.nz P - 03 307 2409 anytime 24/7
11c Wills Street
Neg over $395,000
117 Creek Road
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
91 Creek Road
Offers over $215,000
132 McMurdo Street
OPEN HOME SAT, AUGUST 3 (10.45AM – 11.15AM)
OPEN HOME SAT, AUGUST 3 (10AM – 10.30AM))
• • • •
$311,000
• • • • •
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
6 Kelburn Place
Offers over $218,000
OPEN HOME SAT, AUGUST 3 (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.
Price by negotiation
33 Lane Street
$305,000
OPEN HOME SAT, AUGUST 3 (11.30AM – 12 NOON)
OPEN HOME SAT, AUGUST 3 (10AM – 10.30AM))
• 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.
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.
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.
206 Seafield Road
2/179 Harrison Street Neg over $289,000
4 Whiteoak Grove
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.
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43 Braebrook Drive Neg over $565,000
116 Tarbottons Road
• 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
• • • • •
89 Thomson Street
5/86 Burnett Street
Neg over $665,000
Neg over $218,000
3 Bedrooms Updated Carpet Separate games/ living area Heat pump and Fully insulated
• Top location • 160sqm
$1,050,000
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
64 Wills Street
$549,000
Privacy and location • 171sqm home on a 430sqm section • 3 Bedrooms, Master has an ensuite and plenty of storage space • Open plan Kitchen, Dining and living area all with plenty of room to move around • All bathrooms are tiled, the main bathroom consists of a tiled shower and vanity, it also has a separate toilet.
Family and entertainers delight 5 Bedrooms 3 Living areas Triple car garaging off house Alarmed 12x9 Shed
$435,000
6/86 Burnett Street
Easy Care Easy Living Do not miss the opportunity to Secure this Brand-new townhouse located in the heart of town. • 138sqm home on a 280sqm middle section • 3 good sized Bedrooms • Open plan Kitchen, Dining and living area all with plenty of room to move around
$460,000 UNDER CONSTRUCTION
UNDER CONSTRUCTION
• 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.
$585,000
Total Comfort and Convenience • 141sqm home on a 338sqm front section • 3 good sized Bedrooms • Open plan Kitchen, Dining and living area all with plenty of room to move around • The main bathroom consists of a tiled shower, toilet and vanity plus it also has a separate toilet. 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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Property
GUARDIAN
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Ashburton
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SHOW HOME
03 308 5325
0274 367 986
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www.g-drussellbuilders.co.nz
Licensed Builder • Registered Master Builder
G. & D. Russell Builders Ltd
• New housing • Additions and renovations • All types of maintenance • Commercial and farm buildings Our experienced team can meet your needs. Call us today!
Build with confidence. Build with us.
Tinwald
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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 ............................................ 91 Creek Road 10-10.30am .......................................... 11c Wills Street 10.45-11.15am ........................................ 117 Creek Road
ASHBURTON 10-10.30am ...................................... 40 Saunders Road 10.45-11.15am ......................................64 Bridge Street 11-11.30am .............................................86 Creek Road 11.30-12noon ....................................... 32 Albert Street 11.45-12.15pm .........................................15 Allens Road 12.30-1pm .......................................183 Harrison Street
TINWALD 10.45-11.15am .................................132 McMurdo Street 11.30-12noon ........................................6 Kelburn Place
SATURDAY
Open Homes SATURDAY
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