Ashburton Courier: April 02, 2020

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Page 8, Ashburton's The Courier, Thursday April 2, 2020 Local news at www.starnews.co.nz build buy &renovate AUTUMN 2020 We have it covered • FurnitureUpholstery Consider investment potential • Custom-made Headboards & Ottomans • Classic CarUpholstery • Farm Vehicle Upholstery&Repairss 115 Archibald Street,Tinwald,Ashburton Phone/Fax (03) 307 2354 •Email tincanup@xtra.co.nz www.tinwaldcanvas.co.nz NEED A NEW COAT? www.andyspaintinganddecorating.co.nz Forall your Plumbing needs •Plumbing •Drainage •Gas fitting •Solar Heating Proudly servicing MidCanterbury forover30years Craftsman Plumber and Drainlayer 7JohnStreet Your local plumbing team 0274-347-334 2270934 If you want to buy an apartment or townhouse,checkyour bankwill lend on these types of propertiesasnot all will. If you’re buying aproperty as an investment, as well as aplace to live, it’s important to think about resale or rental potential. Arental property is considered ahigher risk by the banksand they may not lend as much as they would for aproperty you are going to livein. Consider things like: Isthe house close to public transport routes? Are there shops and schools within walking distance? Does the suburb have astrong rentalmarket? There are many types of mortgages, each with its own interest rate, feesand degree of flexibility. All thesethingsaffecthow much the loan 2270954 2270989 costs you and whenitwill be paid off. Before signing any sale agreementor mortgagepaperwork you’ll needtoget it looked over by alawyer. You will alsoneed alawyertohandle the ‘conveyancing’ once you buy your house. Fees vary so shop around. Abuilder’s report can identify any possibleproblemswith the house you’re looking at buying. An experienced builderwill find things that the untrained eye will miss, and may save you thousands. ALand Information Memorandum (LIM) identifiesany issues with the landthe house is built on. It will identify issueslike drainage and landsliprisks. You can order aLIM through your local council, or your lawyerwill do it for you. The deposit is just one of the costsyou will face when you buy yourhome.You will need to keep moneyaside for thingslike: Moving services, or truckhire if you’re doingityourself. Connectionfees for phone, power and internet. Any renovations or decorating you needtodo straight away.Advertising for flatmatesor tenants. Legal expenses and builder’s reports. Make sure you factor into yourbudget insurance,ratesand other ongoing costs into yourcalculations. Your home will be your biggestasset so you will need to protect it from the unexpected. Source Commissionfor Financial Capability www.sorted.org.nz Renovate home or build? It’s the great Kiwi dilemma: to renovate your existing home or build abrandnew one to meet yourevery need? There’s no clear answerbecause whatchoice you make depends entirely on your circumstances and your circumstances will be verydifferent from your neighbour’s. Buildingcan be afun experience, especiallyifyou have agood builder and thereare plentyinthe Mid and South Canterbury district’s. Plus if you plan well, it should be plain sailing. If you are going to build, you have tohave somewhere to build. It might be that you are interested in aland and home package, in which case the ‘‘where’’ will be taken care of with builders or building firms sometimes buy blocks of land for development. One of the benefits of this is that not only do you get anew home, but you know your neighbours will have a new home. Many companies, these days, offer turnkey house and land packages, and the prices are very competitive. If theseinterestyou, the companies almost always have ashow home or homes. So take thetime to explore and see what worksfor you. Get alist of addresses, and spend aday, or two, sussing out the options. The more homes you see, the clearer the idea you will get of what is available for what price. Some designs will fascinate you, others will not. In any event and even ifyou see nothing you like you will bemuch better informed. Suchcompanieshave many designoptions, so take your time. It might be that you want to designyour own home, or at least pass on some firm ideas to abuilder, and that’s fine. You are going to live there and pay the bills. Mostcompanies willallow flexibility, but rememberthat changing from the standard design of aproperty might Renovating what you have already could be the way to go. add extra cost, so always ask. If you have firmideas, or none at all, youmay consider employinganarchitect they may save you moneythrough clever design. An architect will be especially useful if you have a special site, oreven adifficult site. They are trained to design buildings for all situations. And if you have only abasic idea ofthe style of home you want, anarchitect can bring your idea to life. Perhaps you have seen ahome, or visited one, that really takes your eye. It might bethat it was designed by an architect, and highly likely that the owners will behappy topass on the name of the designer. The work of such professionalsisoften passed by word of mouth, socheck around. If you have the design you want, you will need abuilder. Again, builders are often recommended by friends or acquaintances. Mid Canterbury’s Authorised HitachiDealer ELECTRICAL • Domestic electrical services • New house wiring • House rewiring &maintenance • TV &Data wiring • Solar installation • Heat Pumps BEDROOM LIVING MASTER WALK IN DuctEZY Premium Heating &Cooling DuctedAir Conditioning fromonly $7800 installed BATHROOM www.auricelectrical.co.nz Call today for an obligation free quote 0800 287 423 KITCHEN ENSUITE
Local news at www.starnews.co.nz Ashburton's The Courier, Thursday April 2, 2020, Page 9 TM build buy &renovate AUTUMN 2020 An architect can turn your ideas into aworkable design. The new home dream If you are planning to build, buy or renovate, there are lots of options, lots of choices, but it all comesdown to your preference and your budget. Common sense also plays abig role. For many peoplebuildinganew home is the dream. The cost can be modest or as much as you care to pay. The joy of anew home, in many ways, is in the planning; deciding if you want (or can afford) two bedrooms, three, four or more. Whether your home will have a slew of state of the art appliancesor whether you want the basics. There are many,many variables. If you are new to building ahome seek advice. Talk to friends who have built ahome. They will know the pitfalls and the pleasures. Package homes offer aselection of plans (and prices) and in many instances they also provide the section. The advantage of these arrangements is the company does the organising. You discuss your needs and requirements, consider the plans and prices, and sign up. And with such arrangements you know the cost up front. There should be no unpleasant surprises. It may be that you have your own plans for anew home, ideas brewed up with family and friends. Agood buildercan help turn those plans to reality. It may be you need an architect to turn your ideas into aworkable design. It might be money well spent. In any event, seek advice. Your friends will know of agood builder, a good building firm or agood designer. Experienced buyers know the drill, but first home buyers can fall into traps. Don’t forget to checkinwith parents, or family, for their advice on occasion. First, know how much you can afford. If you have savings you will know how muchyou can spend. If you are relying on borrowed money you need to talk to your lender. It is vital you know how muchyou can borrow, at what rate and what it will cost you. Some people suggestborrowers should factor in rates much higher than thoseoffered now. Assuming you havesorted out the money you need to considerwhere you will buy and what sortofhome. Where will be determined by your budget and your needs If you have school aged children,isthere a school nearby, is it the school you want yourchildrentoattend. What about parks and shops,internet availability, are properties in the street tidied and carefor? It is said many times before but it is all about location,location, location. Once you have decidedwhere you will buy look with abuyers’eyes, take nothing for grantedand check the home from top to bottom and don’t be afraid to ask questions. Remember you are likely to be plungingyour lifesavings into the house. Bigger and smaller home options are out there for you Confined to home you're starting to know the things aboutyour homeyou would change given the chance. Awall out here,asplashof colour there or an extra window or two off the living room. There are arange of options and ways toget just want you want. Living aconfinedspace over the past few days with afull household may mean you would like to upsize ordownsize inthe near future so buying anew property may be abetter option than renovating. Real Estate agents are in lockdown too, but online facilities are still available for viewing properties on Having problems with your internal gutter systems? ALPS Do your drains keep blocking,causing leakage into the soffits and even your house? Areyour soffits falling out due to water rot? We canconvert your internal gutters to standard external gutters. CONTINUOUS SPOUTING Your total heating solution Ducted heatpump/air conditioning unit Major suppliers of the market. Try sites such as realestate.co.nz or trademe or try the sites of the real estate agents directly. Asearch of properties in the district and the suburb of choice can bring up many little, orpalatial, gems. At worst it will give you an idea of what you are after and where. If nothing appeals, or they are just not quite what you are after, then building your own is always an option with many companies offering home and land packages, orputting your home on the ideal plot where ever the need is district wide. Ben Kruger 021 808 739 or 308 4380 Whatever the shape of the room, ducted units ensure uniform temperatures throughout. Cool orwarm air is ducted into the room through diffusers, discreetly positioned in the walls or ceiling.Verylow sound levels. The use of ducts allows air outlets to be conveniently installed anywhereinthe ceiling,giving improved room aesthetics,with its unobtrusivepresence. Phone 308 7182 On Call 021 597 517 211/D Alford Forest Rd, Ashburton Allworkmanship guaranteed 232 BoundaryRoad,Ashburton www.alpscontinuousspouting.co.nz E; benkruger@xtra.co.nz heatpumps 2270881 2270709 THINKING OFRENOVATING? ENJOYITWITH US Youcan contact us during the NZ lockdown to discuss your future renovations, via phone and email. Let’s start the conversation call 0800 764 846 Email ashburton@smithandsons.co.nz or visit smithandsons.co.nz
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Ashburton Courier: April 02, 2020

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