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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.

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