Homescape Autumn 2008 - House & Land

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S P E C I A L

F E A T U R E

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NEW Dennis Family Homes

Charlton 260 Urban Generous in size and affordability, the Charlton is the perfect home featuring four large bedrooms and three separate living areas, making it ideal for family entertaining.

The team at Dennis Family Homes invite you to visit our brand new Charlton in which we are proud to display our high quality standard inclusions.

Available in 4 design sizes ranging from 23 - 29 squares.

Dennis Family Homes – Bringing genuine choice to Shepparton now with four displays.

Shepparton Displays Wendouree Drive, Kialla Mon to Sun 1–5pm Ph: (03) 5823 1758

NEW Displays Canterbury Avenue North Shepparton Mon to Sun 1–5pm Ph: (03) 5823 1758

DISPLAYS NOW OPEN

AWARD WINNING DESIGN

Hartley 300 Provincial Contemporary and spacious, the impressive Hartley offers families the best of both worlds, creating a perfect balance between formal and informal living. The heart of the home is the stylishly designed kitchen and meals area. Bright and open, this space is ideal for entertaining all year round.

Options displayed include extensive timber decked alfresco, Colorbond roof, spacious high ceilings and doors, huge master suite with ensuite and spa, high quality tapware, Stainless Steel appliances including massive upright cooker, stone benchtop and glass splashback.

Available in 4 design sizes ranging from 27 - 33 squares.

For more information call 5823 1758 or visit www.dennisfamily.com.au Images, drawings, floor plans, sizes and areas, materials and fittings are for illustrative purposes only and may include options available at extra cost. Actual specifications for a particular home may vary and will be set out in the specific building contract. Final package prices depend upon a range of variable factors outside our control including council building approvals and planning consent, finance, soil test and survey results and the final plans, specifications, fixtures and materials selected. DFH916

Welcome Welcome to our second edition of Homescape House & Land.

S P E C I A L

F E A T U R E

There is so much to choose from when it comes to buying land, choosing a builder and working with that builder to achieve your dream home. We hope that Homescape House & Published by Prominent Group Pty Ltd ABN 70 539 890 061 57-61 Drummond Road Shepparton Vic 3630 Ph: 03 5831 2455 Email: enquiries@prominentgroup.com.au www.prominentgroup.com.au Advertising Enquiries Lisa Comline - Mob: 0417 557 965 The information in this publication is presented for entertainment purposes only. Although every care has been taken to provide accurate information, individual readers should seek independent advice before acting upon the information presented.

Land can be your guide to making the right choices for your family.

In this edition we feature a unique property for sale, this property is on the fringe of Shepparton and is well worth inspection. We have also included a range of house plans from our major builders for your perusal.

Also included is our finance section, with an interesting article from Goulburn Valley Finance Brokers on how to get the right mortgage solution.

We hope you enjoy this edition of Homescape House & Land along with our Autumn edition of Homescape in general and look forward to your continued support.

Š Copyright 2008 Prominent Group Pty Ltd. All rights reserved ISSN: 1833-7473

Prominent Group DESIGN PRE-PRESS PRINT FINISHING

Providing House, Land and Finance Packages 209 Wyndham Street, Shepparton, Vic. 3630 | Phone: 03 5831 1533 Shop 1/127 Belmore Street, Yarrawonga, Vic. 3730 | Phone: 03 5744 1544 233 Anstruther Street, Echuca, Vic. 3564 | Phone: 03 5480 1509 w w w. g jg ard ner. com. au

BEFORE

RENOVATIONS

LE A and RsS &Le e O F HouPackag 0

Alterations and Additions

50 99,

$2

Want to alter your existing home?

25 HEYSEN AVENUE, SHEPPARTON

AFTER

Extend or renovate?

Complete home makeover Cost effective way to build a ”new” home without moving out!

Phone: 5821 5207 Fax: 5821 5207 Mobile: 0418 577 204 PO Box 7378 Shepparton VIC 3632 Email: aliki@shepparton.net.au

Local Knowledge...

National Strength

We put you first!

SHARON CLEMENT 142 Hogan Street, Tatura Ph (03) 5824 8200 Shop 1/317 High Street, Nagambie Ph (03) 5794 1855 www.sharonclement.com.au

FIRST NATIONAL REAL ESTATE MICHAEL BLAKE 44 High Street, Shepparton Ph (03) 5821 9388 www.michaelblakefn.com.au

Built by Craftsmen

H I S C A S TL L E””

“A MAN’S HOME IS HIS CASTLE”

A heated 12 metre Guiseli tiled swimming pool and spa with landscaped gardens and paving

The saying that “a man’s home is his castle” was certainly true for this Shepparton family home when it was built more than 20 years ago in a rural setting five minutes from the heart of Shepparton.

The unique two storey home has 35 squares of living space including five bedrooms, one downstairs and the others on the top level including the spacious master bed retreat complete with full bathroom, spa and balcony.

A generous family living area features built in bar and cleverly designed cellar and a separate formal dining room complete with large windows and ceiling-to-floor drapes gives plenty of options for entertaining.

continued over...

HOMESCAPE HOUSE & LAND

7

Built by Craftsmen

“A MAN’S HOME IS HIS CASTLE”

An open plan kitchen and meals area is built of Tasmanian Blackwood reflecting the owner’s appreciation of fine timbers.

The timber theme of the kitchen is repeated throughout the house and none more spectacular than the Ash wood spiral staircase which was crafted on site to create the feature exactly as the home owner intended.

Ceilings have been finished in Western Red Cedar and a number of walls feature exposed brick. The home is comfortable all year, regulated by refrigerated cooling and heating.

Outside, space abounds on the 6381 square metre block with a 65 metre frontage and more than 2000 square metres available at the rear for further development such as a tennis court or more shedding.

A heated 12 metre Guiseli tiled swimming pool and spa with landscaped gardens and paving is directly off the undercover entertainment area.

Ash wood spiral staircase was crafted on site.

The fully tiled driveway leads to a double brick garage measuring more than seven square metres 8

www.homescapemag.com.au

Built by

Craftsmen

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LAND PACKAGES FROM

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510m to 1208m

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measuring more than seven square metres with automated doors and access to the house.

An additional stand alone garage has room for three

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PRICES:

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Stage 4 - $215,000 to $720,000

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cars and specialty built caravan storage.

FOR FURTHER DETAILS: Phone 1800 122 981 or visit

This home has been designed and built with no expense

www.silverwoodsyarrawonga.com.au

spared and would suit a young family craving space out of town.

Move straight in and enjoy this feature full home or take up the challenge to make it your own. [hs]

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SALES OFFICE: Corner Murray Valley Highway & Botts Road, Yarrawonga.

Open 12-4pm 7 days.

120 Wyndham Street, Shepparton | Phone 5831 3812 t 4DPUU #VUMFS t %BSSFO #VUMFS XXX TUPDLEBMFMFHHP DPN BV TIFQQBSUPO

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The fully tiled driveway leads to a double brick garage

T H E

The Blue Pages

B L U E

Murchison 290 Dennis Family Homes Floor Area 228.1 m² Garage 40.4 m² Total Area 268.5 m²

24.6 sq 4.3 sq 28.9 sq

P A G E S

DISPLAY NOW OPEN: McIvor Forest Drive Junortoun, Bendigo

Flinders 310 Dennis Family Homes Floor Area 249.9 m² Garage 39.6 m² Total Area 289.5 m²

26.9 sq 4.3 sq 31.1 sq

DISPLAY NOW OPEN: McIvor Forest Drive Junortoun, Bendigo 10

www.homescapemag.com.au

Tricarico Builders Custom designs to suit your individual requirements

T H E B L U E P A G E S

Millbank 2750 Simonds Homes DISPLAY NOW OPEN: Canterbury Avenue, Shepparton

Beechworth Fusion Simonds Homes Floor Area Verandah Alfresco 1 Alfresco 2 Garage Total Area

234.52 m² 23.86 m² 12.53 m² 10.89 m² 36.30 m² 318.10 m²

25.25 sq 2.57 sq 1.35 sq 1.17 sq 3.91sq 34.25 sq

Floor Area Alfresco Garage Total Area

198.37 m² 19.36 m² 36.30 m² 254.03 m²

21.36 sq 2.08 sq 3.91sq 27.35 sq

DISPLAY NOW OPEN: Canterbury Avenue, Shepparton

Tricarico Builders Floor Area 153.0 m² 16.47 sq Garage 47.53 m² 5.12 sq Total Area 200.53 m² 21.59 sq

HOMESCAPE HOUSE & LAND

11

NOW SELLING: 3 of Shepparton’s best...

Residential Estates Secure your new home site today!

This superb estate features a picturesque wet lands area, walking tracks, the beautiful back drop of huge river gums and the meandering Sevens Creek.

od times... o g e h t y enjo

STAGE 6 N

OW SELLING

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Seven Creek Estate also features large blocks which are all fully serviced with rear fencing.

See for yourself the quality of homes already established and under construction in this unique estate.

Blocks are selling fast, because this estate offers the best of everything.

Availability of some blocks may change, contact us for more info:

Phone: (03) 5821 8388

1 & 3 ' & $ 5 ' 0 3 5 ) & '" . * -:

$POOPMMZ 1BSL &TUBUF

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Availability of some blocks may change, contact us for more info:

Phone: (03) 5821 8388

“ Where customer sa tisfac tion is ever y thing�

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Shepparton Office: 228 - 232 Wyndham Street, Shepparton, Victoria 3630 Phone: (03) 5821 8388 Fax: (03) 5821 5492 Numurkah Office: 12 Melville Street, Numurkah, Victoria 3636 Phone: (03) 58 622 611 Fax: (03) 5862 3951 Email: info@kevinhicksrealestate.com.au

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riviera park

“Someday� is today...

Riviera Park represents the perfect blend of rural lifestyle and urban convenience.

Located on the outskirts of central Shepparton, this thoughtfully designed country estate offers a choice of generous size allotments with enough space to accommodate a wide variety of house designs, enabling you to build the luxurious lifestyle you’ve always dreamed of.

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Availability of some blocks may change, contact us for more info:

Phone: (03) 5821 8388 )4,)

Shepparton: PPhh : 5821 8388 | N umu rkk ah: Sh h PPhh : 5862 2611 | www.kevinh k h i cksreal k l estate.com.au

WEALTH FINANCE Remember the Castrol adage “oils ain’t oils,” well it can apply to construction loans as well...

“Loans Ain’t Loans” With an active construction market in the Goulburn Valley

In the meantime, you need to have funds available to allow

region, establishing the right construction finance is

the land purchase to settle, and this is when all the fees

important. Not all construction loans are the same and in

usually become due. All of sudden you can find yourself

most cases lenders have very different policies in how they

looking for $9,000 - $10,000 to allow land to settle, as the

make funds available. For a first home buyer this is very

First Home Buyers Grant will not be made available until

important. Receiving the right advice regarding a lender

the first stage is completed. This can be quite distressful if

in relation to when the First Home Buyers Grant becomes

this has not been explained properly or you were unaware

available and what possible upfront costs are required can

of what was expected.

leave you short at the very beginning.

The good news is that there are lenders that understand With 100% House and Construction Loans becoming more

these issues and have tailored their construction finance

common among first home buyers, a typical $250,000

to suit House and Land Packages, with local and non-local

package may not require any savings at all. The $12,000

banks available.

grant is enough to cover the costs, stamp duty transfer, application fee, Mortgage insurance etc; however these

They overcome these funding shortfalls by several

funds are not made available until the first progress

methods; allowing Mortgage Insurance to be capitalised

payment becomes due; usually stage one – Base Stage.

at land settlement, advancing up to 107% of the land value on settlement or allowing the First Home Buyers grant to become available at the settlement of land.

No matter what your insurance needs, we’ve got you covered.

Whether you run a small, sole proprietor business or a large,

As one of the largest privately owned insurance brokerages in

diversified company, GGIB has the industry experience and technical

the nation, GGIB offers a complete insurance broking package

expertise to construct an insurance program that will fit you specific

encompassing technical insurance advise, market analysis, risk

needs. Our trained professionals recognise these differences and

management and claims management services. Give us a call today

ensure that you get the right cover for the right price.

to discuss your insurance requirements.

22 Welsford Street, Shepparton | PO Box 1377. Shepparton, Victoria 3632 Ph: 03 5821 7777 | Fax: 03 5822 2916 Email: ggib@ggib.com.au | Web: www.ggib.com.au

What if you want to fix your rate for a Construction Loan?

Are you thinking about

Which banks will allow you to do this and when does the fix

purchasing a new home or refinancing your existing home?

rate apply? Is it when the first drawn down applies or do you have to wait until construction is completed?

LOOK NO FURTHER!

It is not as common as it use to be, but some lenders charge a higher rate during the construction period and reduce

t House Purchases

it back to their standard rate once the house has been

t First Home Buyers

completed. Some lenders will also only allow construction

t Investment Loans

loans to be completed in a Standard Variable Rate, which is typically a higher rate. Once the loan is completed, you have to pay a fee to change the loan to a cheaper basic variable rate. This equals more fees.

Typically, as a home buyer, building your first home or new home, you are more concerned about getting the loan, as the construction process can be quite consuming of your time. This is where getting the right advice is important, this allows us to analyse your personal circumstances and take the hard work out of getting the right mortgage solution.

t House & Land Package Finance

FREE!

Home Loan Consultation with over 35 lenders... ... and more than 500 products to choose from, finding the right mortgage for you can be confusing. Why not simplify it?

Talk to us about your Finance needs.

t Debt Consolidation t Poor Credit Welcome t Construction t Re-Financing t Lo Doc Loans t Car Loans t Personal Loans

*Conditions Apply

ONE VE M E! SA URE! M I T SAVE O PRESS N

Y!

The team at Goulburn Valley Finance Brokers can help

135 High St, Shepparton Ph 1300 881 579

you. Phone 1300 881 579. [hs]

Protect your business with the help of Landmark Through our relationships, we are proud to facilitate the provision of insurance by Wesfarmers Federation Insurance Limited* (in all states) and (other than in WA) CGU Insurance Limited.* We work closely with either company to help regional and rural customers meet their insurance objectives. We can assist with the provision of a competitive quote and cover to suit different areas of your business, including cover for: • Buildings, Contents & Stock • Business Interruption • Theft • Glass Breakage • Public & Products Liability • Money • Commercial Motor Vehicles • Employee Dishonesty • Machinery & Electronic Equipment Breakdown Insurance quotations can be designed to suit different circumstances, budgets and business requirements.

To find out more contact: Mathew Cucinotta 104 - 106 Drummond Rd, Shepparton 3630 Ph 03 5821 4822

Catherine Franklin 61 Ogilvie Ave, (PO Box 301), Echuca 3564 Ph 03 5482 1588

*This information is provided by Landmark (Qld) Limited ABN 31 008 996 218, and Landmark Operations Limited ABN 73 008 743 217 (AFSL No: 247332) which, respectively, act as an Authorised Representative (No. 275322) of CGU Insurance Limited ABN 27 004 478 371 (CGU) (AFSL No: 238291), an IAG Company, and a lead referrer for Wesfarmers Federation Insurance Limited ABN 18 009 027 221 (AFSL No: 239181) (WFI) and relates to financial products issued by CGU and WFI. This brochure may contain general financial product advice which has been prepared without taking account of your objectives, financial situation or needs. You should, before acting on the advice, consider the appropriateness of the advice having regard to these matters. You should also obtain and consider the Product Disclosure Statement for the relevant product, which is available from your local Landmark agent, before making any decision about whether to acquire or continue to hold the product. The cover available from CGU and WFI products differ in certain respects. Landmark receives a commission of between 1.5% and 22.5% of any premium written (excluding taxes and charges). # Also offered by NTI Limited ABN 84 000 746 for which Landmark (Qld) Limited acts as an Authorised Representative (No.275322 and receives a commission. lmk 006

DENNIS FAMILY HOMES

15000 1500

$

*

$

FOR

UP TO

UPGRADE PACKAGE

Available now on every home in the Dennis Family Homes range! Each of the high quality upgrade items has been carefully selected to make your dream home even better.

8’6” ceilings Designer square vanity basins Glass splashback to kitchen 900mm upright cooker Sectional garage door Duo shower rail 900mm glass canopy rangehood Designer kitchen sink Designer mixer taps Stone benchtop to kitchen

Hurry, offer available for a limited time - visit dennisfamily.com.au or call 5823 1758 today.

Shepparton Displays Wendouree Drive, Kialla Lakes Mon to Sun 1–5pm Ph: (03) 5823 1758

NEW Displays Canterbury Avenue, The Boulevard, North Shepparton Mon to Sun 1–5pm Ph: (03) 5823 1758

Shepparton Office

374 Wyndham Street, Shepparton Mon to Fri 8.30-5pm Ph: (03) 5823 7100

Echuca Office 224 Hare Street Echuca VIC 3564 Ph: (03) 5480 7931

*Offer subject to terms and conditions and is not available in conjunction with any other offer and is only available on homes in the Dennis Family Homes range. Offer not available on ‘Generations’ designs and pre priced House and Land packages unless specified. The total value of the offer is based on the Recommended Retail Prices of upgrades in the package including estimated labour costs and will vary depending on the Dennis Family Homes house type selected. Offer available to customers who pay a deposit prior to 15th June 2008. Dennis Family Homes Pty Ltd ABN 83 056 254 249 reserves the right to amend its designs, inclusions and options without notice. Photographs and images are for illustrative purposes only. DFH961

“ Quality never goes out of style.”

Bert Dennis OAM