Guardian Property, 2 August 2013 by Ashburton Guardian

Property GUARDIAN

Guardian ASHBURTON

AUGUST 2, 2013

LIVE THE DREAM

Proudly marketed by Janine Reinecke McGregor Real Estate Ashburton Refer page 2 for further details

New Zealand Home Loans works with its clients to enable them to pay more of their home loan off faster than they would be able to with a tradition mortgage provider even without necessarily paying any more per month.

Local Cantabrians Sue and Richard Hopkins own the Ashburton franchise and are passionate about helping their clients get ahead through making their money work in their best interests rather than the banks.

We have been able to save our clients nearly $24 million that they would have For further information on how New Zealand Home Loans can help you, please otherwise paid in their bank interest payments. The sooner you start, the sooner visit our website or contact New Zealand Home Loans on the numbers below. you can get ahead with paying off more of your mortgage and achieving other life email- ashburton@nzhomeloans.co.nz ph. 03 423 2266 goals. www.nzhomeloans.co.nz

Live the dream

Cover story

etire or relax after a day’s work in this stunning family-sized home, at the end of a quiet cul-de-sac at Lake Hood.

The north-facing aspect means all day sun along the front of the house, which overlooks the water to superb mountain vistas that can never be built out.

kitchen appliances, a freezer or an extra fridge. The open plan kitchen and spacious dining area, flows through into a living room, which in turn opens into a home theatre room/formal lounge – all offering spectacular views.

With the ferry just metres from your door, hop on board and then take a short stroll along the boardwalk to the award winning Lake House restaurant and bar.

Impressive double wooden doors at the rear of the property open into a large entrance foyer featuring an imported Italian tiled floor. The roomy master bedroom is accessed from this foyer, and has a well-appointed en suite, a large walk in wardrobe and a reverse-cycle air conditioner.

If water sports are on your agenda, this property has its own boat landing at the bottom of the easycare, fully reticulated garden.

The minor bedroom wing contains two queensized rooms both opening into the second bathroom.

Three double-opening glass doors offer the opportunity to open the entire front of the house to make the most of the summer weather.

Neutral colour schemes, high quality carpets and drapes, fixture and fittings along with stylish macrocarpa doors, architraves and skirting boards feature throughout this home.

The stylish kitchen area will suit home entertainers, with a five-burner gas hob, two full-sized ovens, a double fridge nook and granite benches. Off the kitchen a large butler’s pantry offers ample storage and work space, plenty of room for

’T N O D ISS M T! OU

Open the automatic door to access the big double garage, which houses the laundry and has lots of extra storage room and an access doorway into the house. Homes of this calibre are hard to find!

Property GUARDIAN

Is your property listed? More Real Estate buyers look to Guardian Property for local property sales and open homes than anywhere else.

Cementing style with concrete Story by Amanda Wright Concrete seems like one of those old-fashioned building products that you use out of necessity, such as for the foundation of your home, yet some of the world’s most innovative contemporary architecture are crafted from concrete. Looking at an ordinary concrete surface, such as the concrete pillars you would see on a bridge, you see an uninspired texture and a dull gray. However new advancements in concrete are completely changing the design and construction worlds, and the results are only limited by your own imagination. For example, did you know that there is translucent concrete? Yes, concrete that you can actually see through? This isn’t achieved by holes in the concrete, but rather optical fibres which transmit light from one side to the other. This new advancement allows shadows and light to pass through a thick slab of concrete, without deteriorating the strength. In cases, is even makes the concrete strength more superior than a traditional concrete composition. This “see-through” development is changing the perception of concrete’s opaque mass. This evolved state is known as light transmitting concrete, and can be used in many applications, including load-bearing walls. Glass fibres transmit light by points between the wallsurfaces. Imagine bringing natural light into your home, using the shadows of nature as wall-art. This has recently been made famous in Germany, where an entire wall in a car parking building was created from translucent concrete, reducing the need for artificial lighting during daylight hours.

Another form of concrete adding ambient light is by the use of glow-in-the dark aggregates. By day, the concrete looks normal, slightly decorative, but by night it creates a luminescent glow. Not only does it look spectacular, but can reduce energy costs by eliminating the need for driveway lighting. As concrete is an exceptionally versatile building material, more people are realising the endless possibilities it represents, from cost-effective flooring to bench-tops and vanities with a difference. With the use of bold color pigments in combination with white cement and decorative aggregates, the spectrum of colours available in concrete bench-tops and vanities is virtually endless. Expensive tiles are a thing of the past, when you can create the same look from concrete. With the advances in colour pigments for concrete as well as stains and patterns, concrete floors can take any shape the mind desires, and are becoming increasingly attractive for home-owners. Stamped surfaces are created by pouring wet concrete into a mould of a particular design, allowing the concrete to mimic a wide range of surfaces, such as brick, wood, natural stone, sacking and more. The use of a cement-based render on interior walls also allows for a wide range of textures to be created, and can simply be painted any colour to match your interior décor. Step into a new world of design possibility using concretebased products, for new trends that cement your style into the home you love.

Open Homes ICE TION R P UC D RE

Check out our open homes at www.ashburton.harcourts.co.nz 28 Orr Street $248,000 $239,000

9 Jordan Avenue $372,000

• Affordable ﬁrst home/investment • Three bedroom 1980’s, aluminium windows • Modern kitchen, open plan living • Log ﬁre, large garage, private large backyard

• Sunny three bedroom home • New carpet, HRV and heat pump • Living areas have street views • Conservatory looks out to garden View at www.ashburton.harcourts.co.nz AS040713

View at www.ashburton.harcourts.co.nz AS070613

Saturday 10.30am - 11.15am

Use your smart phone to scan me for more details

72 Alford Forest Road Offers Over $349,000 • Four bedroom renovated family home • Large section, superb off street parking • Modern kitchen, new bathroom • Walking distance to schools and amenities

Saturday 11.00am - 11.30am W G NE TIN S LI

Use your smart phone to scan me for more details

223 Hardys Road, Rakaia Set Sale (plus GST if any): Friday 23 August 2013 at 2pm • Relocated and completely renovated home • Septic tanks included and well • Two new three bay sheds • Post and wire fencing View at www.ashburton.harcourts.co.nz AS090713

View at www.ashburton.harcourts.co.nz AS020613

Saturday 11.30am - 12.15pm ICE TION R P UC D RE

Use your smart phone to scan me for more details

27 Grey Street $420,000 $398,000 • Four bedrooms, two bathrooms • Open plan living, heat pump • Solar hot water, double garage • Easy care section

Saturday & Sunday 1.00pm - 2.00pm W G NE TIN S LI

230 Dobson Street $150,000 • Two bedrooms • 718 sqm section • Close to town centre • Tenant keen to stay

View at www.ashburton.harcourts.co.nz AS030713

Sunday 1.00pm - 1.30pm W G NE TIN S LI

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141 McMurdo Street Offers Over $280,000 • • • •

Four bedroom, red brick home Two living areas 1012 sqm section Great potential

Use your smart phone to scan me for more details

View at www.ashburton.harcourts.co.nz AS080713

Sunday 1.45pm - 2.15pm W G NE TIN S LI

Use your smart phone to scan me for more details

358 Burnett Street $495,000 Set Sale: Thursday, August 22, 2013 at 2pm

• So much to offer • Immaculately presented • Four bedroom home with mountain views • Sunny spacious open plan living • New kitchen • Six car garaging just minutes walk from town centre

View at www.ashburton.harcourts.co.nz AS020813

View at www.ashburton.harcourts.co.nz AS100713

Sunday 2.30pm - 3.00pm

URBAN Mick Hydes 0274-37-9696

URBAN Debbie Boon 0274-484-006

URBAN Roberta Rutledge 027-228-7843

Use your smart phone to scan me for more details

URBAN Helena Ratten 0274-577-998

Leo Ratten PA to Helena Ratten 03 308-6497

Use your smart phone to scan me for more details

URBAN Jill Leonard 0274-982-500

RURAL/LIFESTYLE RENTAL MANAGER RENTAL MANAGER BUSINESS OWNER Phillip Kenny Alana Lwin Dave Thomson Michelle Hydes 0274-753-669 0274-736-825 027-6011-426 027-77-66-497

Phone 03 308-6497 112 - 114 Tancred Street Ashburton

Often Admired On Arborlea! Open Home

Open Home

Ashburton

Good to Go

Be in Quick!

Get started...

* 3 Bedrooms * Double internal access garage * Private outdoor entertaining * Good off street parking

* Smart two bedroom unit on Cox’s mews * Sunny kitchen/Dining/Living * Single garage and off street parking * Permanent material and easy care section

A tidy three bedroom home on a pet friendly, family sized section. With compliant inbuilt log fire in the lounge area. Good sized kitchen opening to the rear of the section. A spacious single garage plus workshop compliments this tidy package. Certainly one to view to be appreciate.

For Sale $360,000 View Saturday 10:00 to10:15am, 22 Grove Street rwashburton.co.nz /AHB20147 Kim Miller 0272 368 627 (03) 307 8317 kim.miller@raywhite.com

$275,000 View Saturday 11:30 - 12:00, 11 Galbraith Street rwashburton.co.nz /AHB20121 Kim Miller 0272 368 627 (03) 307 8317 kim.miller@raywhite.com

$269,000 View By Appointment, 9/11 Cox Street rwashburton.co.nz /AHB20235 Ray White Ashburton (03) 307 8317 ashburton.nz@raywhite.com

LICENSED (REAA 2008)

Open Home

Ashburton 76 Nursery Drive

4A2F2I

Open Home

Methven

Ashburton

Perfect for a Pony

MORE FOR Y0UR MONEY

Affordable Family Home

Privately situated on 7261m2 section. Modern 4 bedroom (master-ensuite) home, office plus useful storage/utility room. Double glazed, log burner and heat pump. Internal access double garage. Bonus: Spa Pool! Two paddocks, stock ramp and pen. Good shelter.

Freshly painted open plan two bedroom unit

Private backyard with office/sleepout and garden

A very generous sized three bedroom home plus sunroom on a small private section within walking distance to town. Complete with updated white kitchen, re-carpeted, heatpump plus two showers. This property will sell and sell quickly so don’t hesitate.

For Sale View By Appointment, 4/52 Eton Street rwashburton.co.nz /AHB20198 Chrissy Milne 0272 906 606 (03) 307 8317 chrissy.milne@raywhite.com

$269,000 View Sat 12:30 - 12:45pm, 372 Burnett St rwashburton.co.nz /AHB20229 Margaret Wilson 0212 212 544 (03) 307 8317 margaret.wilson@raywhite.com

Price On Application View Saturday 11.30am-12.00pm, 50 Dolma Street rwashburton.co.nz /AHB20232 Margaret Feiss 021 751 009 (03) 303 3032 margaret.feiss@raywhite.com

Cozy with heatpump and gas fire Garage and a carport, glass house

LICENSED (REAA 2008)

Open Home

LICENSED (REAA 2008)

Often Admired On Arborlea * 4 Bedrooms * Master with ensuite * Double internal access garage * Fully fenced * 2 Log fires

For Sale

All this nestled securely on a 799m2 fully fenced section in the award winning cud-de-sac of Arborlea.

$450,000 - $460,000 View Saturday 10:45 - 11:00am rwashburton.co.nz/AHB20228 Kim Miller 0272 368 627 (03) 307 8317 kim.miller@raywhite.com

Ashburton

Easy Living - Sought after location

HIDDEN FAMILY TREASURE

Grand Living At It’s Best

Check all these features * 3 Bedrooms - 2 Bathrooms * Carpet only 3 years old * Open plan Kitchen/Dining/Living * Sunny - Private - Fully fenced section * West Side Tinwald * Awesome off street parking

Character, Charm, Location. This place has it all with a recent new coat of paint, viewing will impress. With its 6 bedrooms & games room there is plenty of personal space for the whole family. Sitting on 4 hectares with a wonderful collection of old oak trees, magnolias, camellias and rhododendrons.

This home features three bedrooms with built in wardrobes. Open plan kitchen/dining/living area with view out to a lovely garden - will be the envy of many in the spring. Close to shops - park and schools. This is the one you have been looking for so act now! $399,000 View Sat 1:00 - 1:15pm, 84 Pages Road rwashburton.co.nz /AHB20230 Margaret Wilson 0212 212 544 (03) 307 8317 margaret.wilson@raywhite.com

LICENSED (REAA 2008)

$425,000 View Sat 1:00pm-1.15pm, 48 Nursery Dr rwashburton.co.nz /AHB20213 Margaret Wilson 0212 212 544 (03) 307 8317 margaret.wilson@raywhite.com

LICENSED (REAA 2008)

PBN View By Appointment, 212 Beach Road rwashburton.co.nz /AHB20057 Jarrod Ross 0212 494 644 (03) 307 8317 jarrod.ross@raywhite.com

LICENSED (REAA 2008)

Allenton

Ashburton

Rakaia

Get Started

Vendors say SELL....make us a reasonable offer

When Location Is The Key

Everlasting Charm

Hard to find!

Charming and Delightfull

This home has the WOW factor.

Looking to buy below $199,000? Solid family home,looking for a new owner. Could that person be you? Great garaging with open bay wood shed. This property is in very good condition and presents a tremendous first homeor investment opportunity. Priced to Sell.

Spacious, double glazed family home. Three double bedrooms, master with ensuite/walk-in wardrobe. Large family dining. Formal lounge with heatpump. Bathroom with bath and shower. Archgolla - open each end for great indoor-outdoor flow. Landscaping has been laid out to maximise easy care. Garden shed. Double garage. Fully fenced.

POA View by appointment, 32 Harrison Street rwashburton.co.nz /AHB20162 Jill Quaid 0274 376 755 (03) 307 8317 jill.quaid@raywhite.com

$199,000 View by appointment, 8 Dunford Street rwashburton.co.nz /AHB20172 Mike Grant 0212 720 202 (03) 307 8317 mike.grant@raywhite.com

POA View by appointment, 142 Dunford Street rwashburton.co.nz /AHB20016 Mike Grant 0212 720 202 (03) 307 8317 mike.grant@raywhite.com

A tidy spacious three bedroom wooden bungalow in a great west side location. Small easy care section with a park just over the fence. This warm home with compliant log fire has had a fresh exterior paint and with some interior modernisation. A great starter with potential aplenty. For Sale $200,000 - $225,000 View By Appointment, 107 Creek Road rwashburton.co.nz /AHB20075 Kim Miller 0272 368 627 kim.miller@raywhite.com

Grasp the scope and class of this 5 bedroom large family home, from the minute you walk through the door. Formal lounge, informal living areas, 3 bathrooms, entertainers kitchen are all reference to the thoughtful design and uncompromised quality.

West side location with superb school zoning. Walking distance to schools, domain and shopping centre. This superbly presented 3 bedroom, office,2 bathroom family home has the benefits of having been tastefully refurbished. To enjoy full benefits of just what is on offer call now for your appointment to view.

For Sale POA View by appointment, 1 Witney Lane rwashburton.co.nz /AHB20032 Kim Miller 0272 368 627 (03) 307 8317 kim.miller@raywhite.com

$394,000 View by appointment, 60 Cross Street rwashburton.co.nz /AHB20215 Margaret Wilson (03) 307 8317 margaret.wilson@raywhite.com

LICENSED (REAA 2008)

Entertain in style in this four bedroom, two living area executive home. Fabulously positioned on a private 1129m2 back section in Allenton with spectacular views of the mountains.

LICENSED (REAA 2008)

Rakaia

LICENSED (REAA 2008)

? Manager Jill Quaid 027 437 6755

Rural Consultant/Auctioneer Jarrod Ross 021 249 4644

Rural Consultant Roger Burdett 021 224 4214

Urban Consultant Margaret Wilson 021 221 2544

Urban Consultant Annette McCully 027 438 2328

Urban Consultant Richard Quaid 027 454 4745

Urban Consultant Mike Grant 021 272 0202

Urban Consultant Kim Miller 027 236 8627

Urban Consultant Cindy Hayward 027 389 7955

This Could Be YOU!

Urban Consultant Chrissy Milne 027 290 6606

Urban Consultant Margaret Feiss 021 751 009

Urban Consultant Shirley Fitzgerald 027 220 1528

Property Manager Veronica Monaghan 027 697 6948

Property Manager Annie Dwyer 027 287 3388

96 Tancred Street, Ashburton

rwashburton.co.nz

Mid Canterbury Real Estate Limited

Phone (03) 307 8317

WHY BUILD YOUR OWN!! Open Home

Netherby

Ashburton

Netherby

Price Reduction

DOUBLE WHAMMY OPPORTUNITY

7 & 9 Davis Crescent. Side by side properties, buy one or buy both. They have 3 bedrooms each and great back yard area for kids/pets to roam. No7 has a double garage and is rented at $200 per week. This could be the opportunity you have been waiting for! For Sale Offers over $145,000 each View by appointment, 7 Davis Crescent rwashburton.co.nz /AHB20160 Margaret Wilson 0212 212 544 (03) 307 8317 margaret.wilson@raywhite.com

7 & 9 Davis Crescent, side by side properties, buy one or buy both. They have 3 bedrooms each and great back yard area for kids/pets to roam. No9 has no garaging and is currently rented at $220 per week. This could be the opportunity you have been waiting for! For Sale Offers over $145,000 each View by appointment, 9 Davis Crescent rwashburton.co.nz /AHB20161 Margaret Wilson 0212 212 544 (03) 307 8317 margaret.wilson@raywhite.com

Concrete block house with tile roof on a 718m2 section. Updated kitchen with sunny dining area. Modernised bathroom with corner shower unit. Two double and one single bedroom. Lounge with wood burner enjoys the afternoon sun. Close to Primary School, Pre-school, Intermediate school only a short walk away. Shopping Centre close by. $187,000 View by appointment, 2 Davis Crescent rwashburton.co.nz /AHB20081 Chrissy Milne 0272 906 606 (03) 307 8317 chrissy.milne@raywhite.com LICENSED (REAA 2008)

LICENSED (REAA 2008)

Under Offer

Ashburton

Promises to Impress

Convenient Location/Currently Rented

A beautifully finished brand new three bedroom home in the stunning Braebrook subdivision. Flexible living options with a well equipped kitchen complete with butlers pantry. Numerous outdoor decks make this home the perfect entertainers retreat. Our vendor has added the finishing touches, all that’s left now is for you to move in and enjoy.

Ashburton 368 Burnett Street

3A2F2I

For Sale $589,000 View By Appointment, 15 Orchard Grove rwashburton.co.nz /AHB20020 Kim Miller 0272 368 627 (03) 307 8317 kim.miller@raywhite.com

Ashburton Take Time Out...

Separate laundry and security alarm. Double garage. Private sheltered lawn area

...and enjoy the seaside. If you want time out or a family holiday this bach has it all. You could sleep from one to ten. All appliances supplied. Ideal for sport, fishing, tennis, walking, bingo etc. Phone connected. All bedding, cutlery, plates etc, TV, fridge and stove all included.

$365,000 View by appointment, 56 Cox Street rwashburton.co.nz /AHB20080 Roger Burdett 0212 244 214 (03) 307 8317 roger.burdett@raywhite.com

For Sale $75,000 View By Appointment, 17 Lower Hakatere rwashburton.co.nz /AHB20149 Annette McCully 0274 382 328 (03) 307 8317 annette.mccully@raywhite.com

Stand alone four bedroom Town House close to central town area. Open plan living/ kitchen/ dining.

LICENSED (REAA 2008)

WHY BUILD YOUR OWN? This stunning three bedroom townhouse with two bathrooms is al built ready and waiting - immediate possession available.

Striking entrance in the large stunning dining and living area complimented with the timeless white kitchen.

Add your flair with your drapes!

For Sale

Ashburton

$470,000 - $485,000 View Saturday 11:45 - 12:00pm rwashburton.co.nz/AHB20182 Margaret Wilson 0212 212 544 (03) 307 8317 margaret.wilson@raywhite.com

Beautiful, Spacious, Affordable Luxury

Want the perks of country space plus town perks?

Ready to build on

3 bedroom plus office townhouse situated on the Terrace overlooking landscaped grounds looking to the river. Air conditioned with double garage attached. Nurse call fitted throughout. Expression of interest available on the Occupational Right Agreement

Tranquil living at Carters Estate. 2000m2 sections with post/rail fences, keypad access to your property. Tennis court/pavilion, twohole chip and putt, manicured grounds. Close to Shopping Centre, Medical Centre, Primary School, and stroll to college. $450,000 View by appointment, 40c Carters Road rwashburton.co.nz /AHB20191 Margaret Wilson 0212 212 544 (03) 307 8317 margaret.wilson@raywhite.com

Price On Application View by appointment, 3 37 Carters Terrace rwashburton.co.nz /AHB20203 Jill Quaid 0274 376 755 (03) 307 8317 jill.quaid@raywhite.com

LICENSED (REAA 2008)

* Great investment property * Close to the town * You are not paying over the top for your section * This attractive section is worth a look! $99,000 View by appointment, 22a Chalmers Avenue rwashburton.co.nz /AHB20072 Annette McCully 0274 382 328 (03) 307 8317 annette.mccully@raywhite.com

LICENSED (REAA 2008)

Ashburton

Rare Section

INVESTMENT POTENTIAL

Never cheaper?

New Owner needed

Stage 7a - Lake Hood

Northwest Facing

Potential for investment or build your own new home. 1872m2 (more or less freehold land. Application to District Council for 4 allotment subdivision, subject to resource consent. Owner states "he will consider all offers"

Low cost Allenton sections are few and far between. In fact this may be the lowest priced in the area. Flat building platform. Rear site, fully fenced. Nb: Section has a recent Registered Valuation which reflects the asking price and is non negotiable. Don’t wait for the SOLD sign - Call me now.

Due to a change in circumstances this section needs a new owner NOW.

1129m2 section on favoured Ludlow Drive. Access to water but this section doesn’t border the canal. Secure now, decide your plans and commence your build in the Spring.

Golfers take note...Golf Course very close by!

The new release of five 3Ha and 4Ha properties marks Stage 7a of this landmark development. Each of the lifestyle blocks, ranging in size from 3.22 to 4.17 hectares, offer stunning panoramic views and a unique connection to the Lake Hood lifestyle resort.

$240,000 View by appointment, Lot 23 Tarbottons Road (Kelburn estate) rwashburton.co.nz /AHB20199 Jarrod Ross 0212 494 644 (03) 307 8317 jarrod.ross@raywhite.com

$289,000 View by appointment, Lot 85 Stage 7a - Lake Hood rwashburton.co.nz /AHB20055 Kim Miller 0272 368 627 (03) 307 8317 kim.miller@raywhite.com

$155,000 View by appointment, 27 Ludlow Drive rwashburton.co.nz /AHB20035 Cindy Hayward 0273 897 955 (03) 307 8317 cindy.hayward@raywhite.com

793 metre square (more or less) Rectangular section next to the park on Cambridge street. CV $101,000 $110,000 View by appointment, 48a Cambridge Street rwashburton.co.nz /AHB20138 Chrissy Milne 0272 906 606 (03) 307 8317 chrissy.milne@raywhite.com

For Sale P O A View by appointment, 71 Cambridge Street rwashburton.co.nz /AHB20076 Jill Quaid 0274 376 755 (03) 307 8317 jill.quaid@raywhite.com Chrissy Milne 0272 906 606 (03) 307 8317 chrissy.milne@raywhite.com

LICENSED (REAA 2008)

$95,000 View by appointment, 39 Clark Street rwashburton.co.nz /AHB20039 Mike Grant 0212 720 202 (03) 307 8317 mike.grant@raywhite.com

Concept house plans included in sale price. Be part of this beautiful sub-division now.

LICENSED (REAA 2008)

? Manager Jill Quaid 027 437 6755

Rural Consultant/Auctioneer Jarrod Ross 021 249 4644

Rural Consultant Roger Burdett 021 224 4214

Urban Consultant Margaret Wilson 021 221 2544

Urban Consultant Annette McCully 027 438 2328

Urban Consultant Richard Quaid 027 454 4745

Urban Consultant Mike Grant 021 272 0202

Urban Consultant Kim Miller 027 236 8627

Urban Consultant Cindy Hayward 027 389 7955

This Could Be YOU!

Urban Consultant Chrissy Milne 027 290 6606

Urban Consultant Margaret Feiss 021 751 009

Urban Consultant Shirley Fitzgerald 027 220 1528

Property Manager Veronica Monaghan 027 697 6948

Property Manager Annie Dwyer 027 287 3388

96 Tancred Street, Ashburton

rwashburton.co.nz

Mid Canterbury Real Estate Limited

Phone (03) 307 8317

Proud supporters of the Heart Foundation of New Zealand! We donate from every property SOLD!

$1,000 List your property with us before the end of September and when we sell, you will be given a $1000 gift voucher of your choice!

CALL

Residential 3 Beatty Crescent • • • • •

Three bedrooms Double garage Secure section Sunny position Potential here

• • • • •

$PBN BIR $230,000 - $245,000

(Phone now for conditions and our free, no-obligation, appraisal)

Residential 314 Tancred St • Great family home/investment • Large double garage, fully fenced • Three bedrooms, two toilets • Large lounge

• • • • • •

$PBN BIR $239000 - 249,000

Price by Negotiation

Stephen Watson

Janine Reinecke

Urban

$PBN BIR $239,000 - $255,000 OPEN HOME: Saturday, August 3 11-11.30am

Residential 60 Ludlow Dr, Lake Hood

OPEN HOME: Saturday, August 3 11 - 11.30am

Residential 20 Alford Forest Rd

Waterfront, private jetty Quality in every way All the bells and whistles Three beds, two bath, CV $650,000 Three living areas, chefs kitchen Just too much to mention

• Space galore • Three large bedrooms • Two open plan living, with updated kitchen • Great sized conservatory • Perfect entertainers deck

$260,000

OPEN HOME: Saturday, Aug 3, 11.00 - 12.00 Sunday, Aug 4, 12.00 - 1.00

Eliza Sue Prendergast Waszczak Urban

Urban

027 438 4706 027 4339 695 027 772 0692 027 322 8422 021 039 1770

Rural views Brick and tile Three bedroom Logburner + heatpump Various outbuildings

OPEN HOME: Saturday, August 3 10-10.30am

Phone 308-6173

Karen Groves

Residential 101 Trevors Road

Jane Hurley Admin

308 6173

Maree Hartley

Kate Galbraith

Admin

308 6173

OPEN HOME: Saturday, August 3 12.00 - 12.30pm

Janet Corry

Di Skilling

Brenda Smith

Lisa Pitt

Admin

Rentals Ashburton

308 6173

303 3178

308 6173

TREVOR HURLEY Owner

027 543 5799

SOLD - SOLD - SOLD “It’s why more people are choosing us”

Free appraisals: mcgregorrealestate.co.nz/property-appraisals/ Rental help: mcgregorrealestate.co.nz/property-management/

308 6173

Proud supporters of the Heart Foundation of New Zealand! We donate from every property SOLD!

Residential 67 Havelock St • • • • •

Lifestyle

Charming villa 143m2 floor area Large lounge Easy care section Sought after location

• • • • •

Offers Over $269,000

Residential

1.1 Ha complete lifestyle Four beds, two living, oak kitchen Log burner, wetback, heatpump Paddocks + sheds + sheds CV $510,000

$PBN

OPEN HOME: Saturday, August 3 12 - 12.30pm

• • • • •

Tip top location Four bedrooms + office Two living, stunning kitchen Three bathrooms Indoor/outdoor flow

$PBN-BIR $665,000 - $695,000

View by appointment

RENTALS Residential • • • •

Residential

Great family home Three bedrooms + office Updated kitchen & bathroom Double garage

• • • •

Offers

Great investment or holiday home Two bedroom and one bedroom Apartments (90 day occupy) Fully furnished, recently decorated

Call our great team of 4 property managers to take care of your investment & find out about our 5 security checks to find that best tenant for your peace of mind.

SIMPLE

$PBN BIR $155,000 - $175,000

View by appointment

Phone 308 6173

View by appointment

Phone now and ask about our 3 month Free management promotion too!

Karen Groves

Stephen Watson

Janine Reinecke

Urban

Eliza Sue Prendergast Waszczak Urban

Urban

027 438 4706 027 4339 695 027 772 0692 027 322 8422 021 039 1770

Jane Hurley Admin

308 6173

Maree Hartley

Kate Galbraith

Janet Corry

Di Skilling

Brenda Smith

Lisa Pitt

Admin

Rentals Ashburton

Admin

Rentals Ashburton

308 6173

303 3178

308 6173

TREVOR HURLEY Owner

027 543 5799

SOLD - SOLD - SOLD “It’s why more people are choosing us”

Free appraisals: mcgregorrealestate.co.nz/property-appraisals/ Rental help: mcgregorrealestate.co.nz/property-management/

308 6173

Industry Comment

OCR Kiwisaver and Welcome Home loans = now is the time to BUY!! W

hilst writing this comment it was noted that fifteen economists expected the OCR to remain at 2.5% with some seeing likely that there may be a lift by the end of this year. I personally cannot see any changes until at least early March next year given the line that the Reserve Bank is considering to raise the LVR to around 20% to dampen the Auckland house bubble. If the Reserve Bank is successful with a lift in the LVR criteria to around the 20%, it will have a dampening effect on not just the Auckland housing market but Nationwide. Unfortunately this move would not be in the best interests of the 1st home buyers. Hopefully government action with raising the amount that can be borrowed through the Welcome Home Loan System and increased eligibility criteria of 1st home buyers through their Kiwisaver to purchase a property could offset this. On the interest borrowing rates we have seen more and more increases in longer term fixed loan rates with the banks that appear to maybe substantiate a lift sometime in the not too distant future.

Go to the Welcome Home Loan website http://www. welcomehomeloan.co.nz/ and have a look at the eligibility http://www.welcomehomeloan.co.nz/ then look into the Kiwisaver website http://www.kiwisaver.govt.nz/already/ get-money/early/ﬁrst-home/ for their criteria and then you are on the road to your very own house. And can I take this time to congratulate Bruce and his team on a fantastic “new look” newspaper. Yours in Real Estate, Trevor Hurley . Trevor Hurley AREINZ Owner/Director McGregor Real Estate MREINZ REAA 2008

Therefore with this expected dampening of the market that will affect investors and the increased interest rate hike within say 6 months and the increased LVR eligibility if you are a 1st home buyer now may be the time to seriously consider that move to your very first home or from the rental trap.

Property GUARDIAN

This weeks winner!

of Mid Canterbury’s home owners read the Ashburton Guardian*

60 Cross St

Guardian Ashburton

reet

Congratulations to the vendors of 60 Cross Street, winners of this weeks $100 voucher from: Kenny’s Lawns & Gardens Lawn Mowing & Garden Maintenance

AH: 307 7593 Cell: 027 2060 503

Can you afford not to be here? *SOURCE NEILSEN MEDIA

- Lawn Mowing

Lawn Every property advertised--in theMowing new-look weekly Guardian Property Garden Maintenance Garden Maintenance Rubbish Guide goes in the draw to winRemoval a $100 voucher from a selected Water Blasting -- Rubbish Removal property services - Spouting Cleaning supplier. - Water Blasting

I am working in your - Spouting Cleaningfrom your real estate agent. Vouchers will be available for collection neighbourhood. I am working in your neighbourhood.

Plant now for sensational summer strawberries Story by Amanda Wright

ther than the scent of sunscreen and barbeques, there’s little else that captures the essence of summer as the taste of a juicy, sweet strawberry. But this year instead of relying on the supermarket to stock the heavenly berry, why not grow your own? Strawberries are one of the easiest plants to grow, so even if you don’t have particularly green thumbs, with a few simple tips you could be reaping the rewards of delicious fruit for Christmas for the sake of an afternoon’s effort. They will add some luscious colour to your garden, or you could even grow them in hanging planters or pots. This is because they take very little space for planting. In the cooler, southern parts of New Zealand, August through to September is prime strawberry planting time, and local garden centres and nurseries are stocked up with healthy new season plants ready to be planted. Planting your strawberries in the cooler winter months will increase vigour and produce a higher number of berries over the months, and there’s no comparison to the taste of sweet homegrown berries to those which have been grown commercially. Think of it as

an investment into the health of your family, as strawberries are a fantastic source of vitamin C and antioxidants. To ensure there are plentiful berries to satisfy everyone in the family, plant five or six plants per person. If you already have strawberries in the garden, now is the time to separate the plants for re-planting to create more bang for your buck, or in your case, more strawberries in summer. Detach the runners so that your plants concentrate their energy on the fruit rather than foliage, and if the runners are hearty, you can re-plant them for more plants to form. If you are planting new strawberry plants, find a section of garden which has excellent drainage, but not too dry. Also choose an area which receives plentiful sun, as the more time the berry can spend in daylight, the sweeter it will become. Fertilise the soil well down to a depth of about 30cm to ensure your plants have a healthy start. Use a combination of fast and slow release fertilisers to keep the plants nourished throughout their growing time. Strawberries don’t perform if they are water-logged, so create mounds for each plant to be planted on. This will improve drainage and will also raise the

berries slightly so they receive more air and sun. After you have created your mounds, cover the soil in black ploythene. This will stop the growth of weeds and will prevent berries from sitting upon soil. Fresh straw will work just as well, or you can use both polythene and straw. Ripening berries can burn on the polythene so this is why the straw is handy, and it also helps to prevent snails from attacking the fruit and will conserve water. Water your strawberries regularly throughout the growing season, but ensure the water doesn’t pool. Just remember that the soil should always be moist, but never wet like a puddle. Just as we enjoy eating strawberries, they enjoy eating too, so to encourage growth and delicious tasty berries, invest in some strawberry food to keep your plants well-nourished throughout the growing season. It can actually enhance the taste of the fruit your plants will produce. Follow these hints and tips, and in three to four months you will be dining on the most delectable strawberries in town. Have a berry-liscious summer!

0800 278 583 www.crtrealestate.co.nz

rural

Website ID TU9991

South Canterbury

Ready And Waiting - Quality Mixed Farm 181 HECTARES A well improved, top notch property subdivided into 45 paddocks with quality fencing allowing for a wide range of stock uses. A modern four bedroom home in an attractive garden setting with views across the farm sets the scene. Extensive plantings of Wellingtonias, Cypress, Poplars and Oaks. A good range of support buildings including a 2-stand woolshed, haybarns’ suitable for calf rearing plus cattle yards. Presently used for lamb fattening, calf rearing, dairy support, beef fattening and arable. Majority of the property is flat to easy rolling and well suited to arable.

Deadline sale closing, 1pm Tuesday 20 August 2013 Noel May M 021 457 643 Kurt Snook

M 0272 560 449

PERFECT HO PRISTINE DUNFORDHutt Skifield. dining kitchen, goodON storage, double GREAT VALUE 10 Dunford perfect spot$f Featuring 3 bedrooms/combinedINVESTMEN lounge/ garage plus fully lined workshop. Sunny GREAT VALUE Street, dining includes a tw 701m2 easy care3very tidy property. Sit on kitchen, good storage, double Located in scenic Featuring bedrooms/combined lounge/ garage plus fully lined workshop.Hutt Sunny $275,000 fully furnishe Skifield. Brin the verandah relax. diningand kitchen, good storage, double 701m2 easy care very tidy property. Sit on $275,000

perfect spot for anytime of athh includes most aoftwo thebed fa fullybar furnished and resta Open Home Saturday 20th July,anytimeand of the yea 11.00am - 12 noon you all most of enjoy the facilitie Open Home Saturday 20th July, 11.00am - 12 noon bar and restauran Methven 11.00am - 12 Real noonEstate Ltd MREINZ you enjoy all the a Licensed Real Estate Agents

garage plus fully lined workshop. Sunny

theSit verandah and relax. Methven Real Estate Ltd MREINZ 701m2 easy care 20th very tidy property. on Open Home Saturday Licensed Real Estate Agents the verandah and relax.July, G

LI Methven Real Estate Ltd MREINZ Ew N Licensed Real Estate Agents REA2008

LIS

Methven Real Estate Ltd MREINZ Licensed Real Estate Agents

TIN

LIS

RAkAIA

METHVEN

PERFECTRAkAIA HOLIDAY Unit 44,43 PRISTINE ON DUNFORD10 Dunford Barkers INVESTMENT RAkAIA METHVEN GREAT VALUE Street, PERFECT HOLIDAY PRISTINE ON DUNFORDRoad,

METHVEN

Dunford Located in10 scenic Methven, gateway to Mt Featuring 3 bedrooms/combined lounge/ $275,000 PERFECT HOLIDAY Unita 44,43 INVESTMENT PRISTINE DUNFORDHutt Skifield. Brinkley Resort offers owners dining kitchen, goodON storage, double GREAT VALUE Street, $150,000 10 Dunford in scenic Methven, gateway to Mt Barkers perfect spot for a holiday home.Located The package Featuring 3 bedrooms/combined lounge/ INVESTMENT garage plus fully lined workshop. Sunny GREAT VALUE $275,000 Street, Hutt Skifield. Brinkley Resort offers owners a dining kitchen, good storage, double includes a two bedroom unit plus studio unit, Road, 701m2 easy care very tidy property. Sit on Located in scenic Methven, gateway to Mt Featuring 3 bedrooms/combined lounge/ perfect spot forfor a holiday home.toThe garage plus fully lined workshop.Hutt Sunny $275,000 fully furnished and available (upto 90 the owner usepackage Skifield. Brinkley Resort offers owners a days) the verandah relax. diningand kitchen, good storage, double $150,000 includes a two bedroom unit plus studio unit, 701m2 easy care very tidy property. Sit on

Unit 44,43 Barkers Road, $150,000

garage plus fully lined workshop. the Sunny verandah and relax.

perfect spot for holiday Thestaying package anytime of athe year.home. Whilst at the resort you can(upto make fully furnished and available 90the days) for the owner to use includes a two bedroom unit plus studio unit,

Open Home Saturday 20th July, 11.00am - 12 noon 11.00am - 12 noon

most of the facilities which include spa, tennis courts, playground, enjoyspot all the adventure bar and restaurant. Brinkley Village is theyou perfect to stay while activities Methven has to offer. you enjoy all the adventure activities Methven has to offer.

701m2Saturday easy care very tidy property. Sit on most of the facilities which include spa,oftennis courts, anytime the year. Whilstplayground, staying at the resort you can make the Open Home fullybar furnished and available (upto 90Village days) foristhe to use the verandah and20th relax.July, and restaurant. Brinkley the perfect spot to stay while of you theowner facilities Open Home Saturday 20th July,anytime of the year. Whilst staying at themost resort can makewhich the include spa, tennis courts, playground, 11.00am - 12 noon bar and restaurant. Brinkley Village is the perfect spot to stay while you enjoy all the adventure activities Methven has to offer.

SECTIONS FROM

$550,000 3421 Arundel Rakaia Gorge Road, HWY72. Mt Somers Open Home: 10-11am Saturday, August 3 Great country home, plenty of space for family and entertaining. Four double bedrooms (master has an ensuite). Formal lounge, snug lounge and dining room. Separate country style kitchen with a fireplace on wetback. Additional office and plenty of storage down the wide hallway. Mature landscaped grounds with great BBQ area. This 260sqm lifestyle house is set on 1.6ha of land which has been divided into 3 paddocks.

$150,000

Track side sections next to the Methven Trotting Club Racecourse Avenue, Methven

www.methvenrealestate.co. www.methvenrealestate.co.nz | 127 Main Street

www.methvenrealestate.co.nz | 127 Main Stre Take this opportunity to secure a track side section next to the Methven Trotting Club. These sections offer amazing views of the surrounding mountains and the fun and excitement of the Mark & Rachel Allre Selwyn AllredOJ – Martin Dodson Mark & Rachel Allred Selwyn Allred R Methven Races. Be quick to pick your dream section and buy into Principal Principal Property Consultants Pro RuralProperty PropertyConsultant 0274-909-991 Mark 0274-388-493 0274-909-991 Mark 0274-388-493 Pro Consultant this quality subdivision. 17 sections priced from $150,000. Sections 0272-429-799 Rache 0272-429-799 Rachel 0800-121-919 sizes 693m2 - 874m2 (Stage 1). The Trotting Club is committed to get this moving so don’t delay. OJ – Martin Dodson Mark & Rachel Allred Selwyn Allred Principal 0274-388-493

Property Consultants Rural Property 0274-909-991 Mark Consultant 0272-429-799 Rachel 0800-121-919 www.methvenrealestate.co.nz | 127 Main Street, Methven | (03) 303 3093 www.methvenrealestate.co.nz | 127 Main Street, Methven | (03) 303 3093

www.methvenrealestate.co.nz | 127 Main Street, Methven | (03) 303 3093 www.methvenrealestate.co.nz | 127 Main Street, Methven | (03) 303 3093 Selwyn Allred Principal 0274-388-493

Selwyn Allred Principal 0274-388-493

Mark & Rachel Allred Property Consultants 0274-909-991 Mark 0272-429-799 Rachel

Selwyn Allred Principal 0274-388-493

OJ – Martin Dodson Mark & Rachel Allred Selwyn AllredOJ – Martin Rosa Harper Amanda Pannett Dodson Mark & Rachel Allred Rosa Harper Principal Rural Property Office Property Manager/ Property Consultants Property Manager/ RuralProperty PropertyConsultants 0274-909-991 Mark Property Consultant 0274-388-493 Consultant 0274-909-991 Mark Property Consultant Administrator Consultant 0272-429-799 Rachel0274-655-387 0272-429-799 Rachel 0800-121-919303-3093 0274-655-387 0800-121-919

Mark & Rachel Allred Property Consultants 0274-909-991 Mark 0272-429-799 Rachel

OJ – Martin Dodson Rural Property Consultant 0800-121-919

Rosa Harper Property Manager/ Property Consultant 0274-655-387

www.pggwre.co.nz

open home under offer

open home

7 Nursery Drive

• Tidy warm sunny two bedroom townhouse • Sunny relaxing conservatory • Log fire, heat pump and nitestore • Single garage attached PLUS large separate second single garage • Private landscaped section with delightful bricked outdoor area www.pggwre.co.nz ID: ASH2430480

Tinwald Offers Over $265,000 Open Home: Sat, August 3, 2013 10.00am – 10.45am Christine Carr B 03 307 8727 m 027 445 5927 PGG Wrightson Real Estate Limited, Real Estate Agent, REAA 2008

Rosa Harper Property Manager/ Property Consultant 0274-655-387

14 Trellech Place

Amanda Pannett Office Administrator 303-3093

• Hostess kitchen, dining-living • Separate formal lounge • Four bedrooms, two bathrooms • Double garage, off street parking • 840m2 landscaped private section

www.pggwre.co.nz ID: ASH2342653

Amanda Pannett Office Administrator 303-3093

Allenton $455,000 - $475,000 Open Home: Sat, August 3, 2013 10.00am – 10.45am Vince Carr B 03 307 8714 m 027 434 6634 PGG Wrightson Real Estate Limited, Real Estate Agent, REAA 2008

Property Services

Flooring consulting

Want new flooring for your home?

Bathroom under tile water proofing system available. Wooden flooring Huge selection of tiles

Phone today and talk to Rochelle for advice.

HOME IMPROVEMENT WAREHOUSE

New Homes Alterations Light Commercial

ROGER MARTIN GARdEN dEsIGN Roger Martin specialises in:

Email: josephbuilders@xtra.co.nz

Trees need sorting on your property? YOU NEED FOUR SEASONS TREECARE,

YOUR LOCAL QUALIFIED

Phone 03 308 7052

03 308 3280 82 Harrison Street Ashburton

Great range of tools and brand options for the tradesman and handyman

Kenny’s Lawns & Gardens

www.gjgardner.co.nz

Stockists of

Lawn Mowing & Garden Maintenance

AH: 307 7593 Cell: 027 2060 503

All your tree services!

- Lawn Mowing

And much more! Hours: Mon to Fri 8am - 5.30pm Saturday 8.30am - 1pm

0800 559 255 for a free quote

Ph/Fax: 308 8138 | Mobile: 021 244 7052 2 Reid Crescent, Ashburton

Saturday 9.30am - 1pm

• Powerline clearance • Stumpgrinding • Dismantling

• Plant sourcing and placing service

For the best second hand almost anything in Ashburton Allenton Dealers is the place. For style without the price tag visit us for everything from Lounge suites to lamp shades.

Open

ARBORISTS!

• Pruning • Felling • Hedge trimming • Branch chipping (up to 12”)

SECOND HAND HOMEWARE

Monday to Friday 9.30am - 5.30pm

Phone (03) 303 9830 or 0800 500 564

• Garden design and planting schemes

Call Roger Martin today for your on-site garden consultation.

Talk to a sales consultant today!

Earthquake strengthening and Repairs, and Compliance.

81 West Street, Ashburton - Phone: 308 5119

Bring your garden to life with

House and land package in Braebrook. Turn the key $494,000.00

- Lawn Mowing - Garden Maintenance -- Garden Maintenance Rubbish Removal Water Blasting -- Rubbish Removal - Spouting Cleaning - Water Blasting I am working in your - Spouting Cleaning neighbourhood. I am working in your neighbourhood.

Phone 308 6415 34 Robinson Street Riverside Industrial Park, Ashburton www.thetoolshed.co.nz

No job too small,

No job too small, noto jobbig. to big. no job

Four Seasons Phone Kenny Johnston Phone Kenny Johnston Locally owned and operated Treecare Ltd To advertise in this directory, please phone Desme on 027 468 8186

Renovating your kitchen?

Are you covered? Don’t wait until its too late. Before stepping foot in your new dream home talk to Rothbury Insurance Brokers and get the right cover.

Then choose the experts at Kitchen Express

606 East Street Ashburton 307 7131

We offer free consultation about cover and premiums.

INSURANCE BROKERS

69 Tancred Street, Ashburton • 03 308-9612 • 021-225-4355 www.rothbury.co.nz

Kelvin Holmes

27 gordons road, ashburton ph: 0800 155 343 - shop/servicing open Monday to Friday

Open Homes

Friday 31 Grigg Street 31 Charles Street

12.30pm - 1.15am 12.30pm - 1.15pm

Saturday 5 Goldrich Drive 4 Cracroft Street 8 Manse Place 79 Middle Road 14 Willow Street 2 Williamson Place

10am - 10.30am 10.30am - 11.30am 10.45am - 11.15am 11.00am - 11.45am 11.30am - 12pm 11.45am - 12.30pm

PHILLIP KENNY REAL ESTATE LTD MREINZ PHILLIP KENNY REAL ESTATE LTD MREINZ

PHILLIP KENNY REAL ESTATE LTD MREINZ

Saturday 28 Orr Street 9 Jordan Ave 72 Alford Forest Rd 223 Hardys Road

PGW

10.30am - 11.15am 11am - 11.30am 11.30am - 12.15pm 1pm - 2pm

Sunday 233 Hardys Road 27 Grey Street 230 Dobson Street 141 McMurdo Street

PHILLIP KENNY REAL ESTATE LTD MREINZ

1pm - 2pm 1pm - 1.30pm 1.45pm - 2.15pm 2.30pm - 3pm

Saturday 76 Nursery Drive 22 Grove Street 11 Galbraith Street 50 Dolma Street 372 Burnett Street 84 Pages Road 48 Nursery Drive 368 Burnett Street

10.45am -11am 10am - 10.15am 11.30am - 12pm 11.30am - 12pm 12.30pm - 12.45pm 1pm - 1.15pm 1pm - 1.15pm 11.45am - 12pm

PHILLIP KENNY REAL ESTATE LTD MREINZ

Saturday 3 Beatty Crescent 101 Trevors Road 314 Tancred Street 60 Ludlow Drive 20 Alford Forest Rd 67 Havelock Street Tinwald

10am - 10.30am 11am - 11.30am 11am - 11.30am 11am - 12pm 12pm - 12.30pm 12pm - 12.30pm

Sunday

Methven

60 Ludlow Drive

12pm - 1pm

PGW PHILLIP KENNY REAL ESTATE LTD MREINZ

PGW

Saturday 7 Nursery Drive 14 Trellech Place

10 - 10.45am 10 - 10.45am

PHILLIP KENNY REAL ESTATE LTD MREINZ

Saturday

MANUFACTURER’S CLEARANCE 3421 Arundel Rakaia Gorge Rd

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Address Details

PROUD TO BE LOCALLY OWNED AND OPERATED Ph: 00 123 4567 Ph: 00 123 4567 PROUD TOvalid BE LOCALLY OWNED AND Ph: 00 4567 00stock. 123 4567 Offers featured OPERATED 01/08/2013 – 01/09/2013. Store stock may vary. *Further 20% off July pricing. 123 tFinance not available for online purchases. Excludes Everyday Dream Prices andPh: selected discount Q Card Finance: Available on Q Card Flexi Payment Plans. A $45 Establishment Fee for new Q

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Cardholders and a $35 Advance Fee for existing Q Cardholders will apply. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments may not fully repay the loan before the end of the Of fers featured valid 01/08/2013 – 01/09/2013. Store stock may var y. *Fur ther 20% of f July pricing. tFinance not available for online purchases. Excludes Ever yday Dream Prices and selected discount stock. Q Card Finance: Available on Q Card Flexi Payment Plans. A $45 Establishment Fee for new Q interest free period. Q Card Standard Interest Rate applies to any outstanding balance at end of interest free period. Q Card lending criteria, fees, terms and conditions apply. GE Finance: Credit and lending criteria, establishment fee and annual account fee apply. Prevailing interest rate will apply to Cardholders and a $35 Advance Fee for existing Q Cardholders will apply. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments may not fully repay the loan before the end of the any outstanding balance on the expiry of the 12 months interest free period. Gem Visa and GE CreditLine are provided by GE Finance and Insurance.

interest free period. Card Standard Interest Rate applies anyvary. outstanding balance endpricing. of interest free period. Q Card lending criteria, fees, terms and conditions GEPrices Finance: Credit and lending criteria, feeAvailable and annual apply. Prevailing interest will apply toFee for new Q Offers featured valid Q 01/08/2013 – 01/09/2013. Store stockto may *Further 20% offatJuly tFinance not available for online purchases. Excludes Everydayapply. Dream and selected discount stock. establishment Q Card Finance: onaccount Q Card fee Flexi Payment Plans. A $45 rate Establishment OWNED AND any outstanding balance on the expir y of the 12 months interest free period. Gem Visa and GE CreditLine are provided by GEOPERATED Finance and Insurance. OWNED AND OPERATED OWNED AND OPERATED Cardholders and a $35 Advance Fee for existing Q Cardholders will apply. Minimum payments of 3%OPERATED of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments may not fully repay the loan before the end of the OWNED AND