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security system are just a few of the many extras on<br />
offer with this property. There is a separate standalone<br />
spacious office/studio that gives options for<br />
those who require a dedicated work from home space<br />
or alternatively, room for a dependant relative.<br />
a short, easy commute into the city or out to Ro leston.<br />
Karen Hennessy<br />
Mobile: 027 967 0186<br />
karen.hennessy@pggwrightson.co.nz<br />
Week commencing Tuesday, 3Rd ocToBeR 2017<br />
As always, this builder has finished his latest new build to<br />
perfection, incorporating a l the ‘must haves’ and more for<br />
keep cool or warm, as required, at the push of a bu ton with<br />
2 heat pumps.<br />
The home’s practical layout also includes a walk-in linen<br />
room, a substantial separate laundry, a tic storage with<br />
ladder access and last, but certainly not least, hugely sought<br />
after 4 car garaging. From the moment you approach this<br />
www.flemington.co.nz<br />
Mobile: 027 527 8258<br />
Mobile: 027 224 4733<br />
Week commencing WeDneSDAY, 23RD mAY 2018<br />
Your guide to all things Real Estate<br />
in the <strong>Selwyn</strong> District<br />
New house peace of mind<br />
23<br />
So your dream has come true, you’ve<br />
bought your house, and you’re excited<br />
to move in. The paperwork is signed,<br />
the money paid, and it’s nearly moving<br />
time. But that shouldn’t be the end of<br />
your house-buying journey, as there are<br />
various financial responsibilities and<br />
potential risks. Now it’s time to focus<br />
on life’s “what ifs”. What if you can’t<br />
work due to illness or a disability? What<br />
if one of the mortgage holders passes<br />
away? As your home is one of your<br />
most significant assets, protecting your<br />
family’s financial future and the new<br />
home you’ve worked so hard to get is<br />
essential.<br />
Nick Hau, Director and What If<br />
Adviser from Moneta Insurance and<br />
Investment Advisers, suggests there<br />
are several personal insurance options<br />
to consider when you’ve bought your<br />
new or first home to safeguard your<br />
investment:<br />
Income replacement insurance<br />
There are many ways to address<br />
this, via an income protection policy,<br />
a mortgage repayment policy or a<br />
combination of both. Your income<br />
will be replaced when you can’t work,<br />
including job loss, illness, or disability,<br />
so you can continue to service your<br />
mortgage repayments and lifestyle and<br />
stay in your new home. It will provide a<br />
financial cushion during difficult times.<br />
You need to decide the amount you’ll<br />
receive per month, the wait period, and<br />
the time you’ll receive the payment.<br />
Life insurance<br />
This insurance offers peace of mind<br />
and will provide a lump sum should<br />
you lose your life. The amount can be<br />
enough to repay your mortgage in full<br />
or in part so the mortgage repayments<br />
don’t burden those you leave behind<br />
after they’ve lost you and your income.<br />
Trauma or permanent<br />
disablement insurance<br />
These are also lump sums payable<br />
when you’re diagnosed with certain<br />
conditions or deemed permanently<br />
unable to return to work. They can<br />
provide enough to repay your mortgage<br />
in full or in part to alleviate the financial<br />
strain of the condition you’re recovering<br />
from or from being permanently unable<br />
to work again. It can also cover medical<br />
bills, necessary home modifications, and<br />
ongoing living expenses.<br />
It’s a wise decision to include<br />
these insurance options in your<br />
homeownership plan. Be protected<br />
from unforeseen circumstances and<br />
enjoy your new home without financial<br />
worries. It’s important to talk to an<br />
adviser who can guide you through<br />
the options; they’ll get to know your<br />
situation and advise what insurance<br />
options will best meet your needs and<br />
budget.<br />
<strong>Selwyn</strong> <strong>Times</strong><br />
PUBLiSHeD eVeRY WeDneSDAY<br />
THe BeST PRoPeRTieS AcRoSS<br />
THe SeLWYn DiSTRicT<br />
INSIDE<br />
Brand new ‘show stopper’ with 4 car garaging<br />
EVERY WEDNESDAY inside <strong>Selwyn</strong> <strong>Times</strong><br />
Quality Home, Private Setting, Sought After Location<br />
A large, quality home sited in a private and established<br />
5021m 2 park-like setting in the sought after Claremont<br />
Estate on the boundary of Christchurch City.<br />
The home features four bedrooms (master with<br />
en suite and walk-in robe), open-plan kitchen, dining<br />
and living along with formal dining, lounge and<br />
conservatory. Great indoor outdoor flow to a large<br />
sheltered deck set in sprawling lawns and easy care<br />
gardens with automated watering. Triple car garaging,<br />
security gates, ducted heating, solar energy and<br />
Auction (unless sold prior)<br />
Thursday 19 October, 2pm<br />
411 Blenheim Road<br />
www.pggwre.co.nz/DAR26164<br />
the discerning buyer. Situated on a 1200m 2 section, with<br />
an established backdrop, the substantial 315m 2 floor plan<br />
provides the ultimate in family living options. The sunny &<br />
spacious open plan living room boasts a designer kitchen<br />
with 90cms oven, stone bench tops & a walk in pantry,<br />
together with define dining, living & study spaces that<br />
extend through sliding doors to a large deck & covered ‘al<br />
fresco’ entertaining area.<br />
The formal lounge als opens to the landscaped garden<br />
& has a boxed high stud ceiling with sound speakers. A l 4<br />
bedrooms are fabulously proportioned queen sized rooms,<br />
with the master suite providing the perfect parents’ retreat<br />
featuring an amazing dressing room with fu l wardrobe<br />
system, additional storage & a beautiful tiled ensuite with<br />
double tiled shower, freestanding bath & twin vanities. The<br />
family bathroom is equa ly elegant with a tiled shower &<br />
twin vanities. Cosy up in front of the log burner, keep your<br />
toes warm with the under tile heating in the bathrooms &<br />
DeaDline Sale:<br />
Closing 4pm on Monday<br />
11th June 2018<br />
(unless sold prior)<br />
rwro leston.co.nz/RLL23148<br />
Town & Lifestyle Real Estate Ltd<br />
Licensed (REAA 2008) - West Melton<br />
Sarah Booth<br />
Contact:<br />
Set amongst other quality homes on larger sections,<br />
this property maintains a semi-rural feel whilst being<br />
Contact:<br />
Phone: 03 341 4301<br />
premium property, you wi l appreciate what a privilege it<br />
would be to be able to ca l it ‘home’.<br />
Brendan ‘Big Red’ Shefford<br />
Contact:<br />
Address: 19 Devine Drive, Templeton Open Home: Sunday 8 & 15 October, 1pm - 1.45pm<br />
63 Rossington Drive, West Melton Open Home: Sunday 2.00pm - 2.30pm<br />
Get your messages into homes throughout<br />
the <strong>Selwyn</strong> District.<br />
Delivered to every home & rural letterbox<br />
(also available at selected pick up points).<br />
For full information on placing<br />
your advertising call:<br />
Lynette Evans<br />
Ph 021 222 7831 | email: lynette.evans@starmedia.kiwi<br />
Get the power<br />
of three offices<br />
working for you<br />
Your section hunt<br />
starts here<br />
New Falcon’s Landing sales office open, 17 Branthwaite Drive, Ro leston,<br />
Thursdays, Fridays and Sundays from 1-3pm. Come, visit and share in our vision<br />
for Ro leston. Or ca l us anytime 03 741 1340. Email enquiries@yoursection.nz<br />
Ray White Rolleston,<br />
Lincoln & West Melton<br />
Sales - Property Management - Loan Market<br />
Residential - Lifestyle - Commercial<br />
Lincoln - 03 325 7<strong>29</strong>9<br />
Ro leston - 03 347 9988<br />
West Melton - 03 347 9933<br />
Town & Lifestyle Real Estate Ltd<br />
Licensed (REAA 2008)<br />
<strong>Selwyn</strong> <strong>Times</strong> dedicated to getting you outstanding results & making our district a better place to live.