NZ Homeowners June / July 2011
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NORTH SHORE & WHANGAPARAOA
New Zealand’s leading home guideJune / July 2011 - Issue 009
www.nzhomeowners.co.nz
DOES YOUR HOUSE LEAK?CALL ROD ON0508 RECLADFree Consultation, Value $150+ gst when you mention this ad
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P-LAB Contamination…
is it the next LEAKY
BUILDING DISASTER?
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1 NZ Homeowners • June - July 2011
We all know how both rewarding and frustrating a building project can be no matter how big or small, especially when it is your family home! NZ Homeowners sets out to help alleviate some of those frustrations, and enhance the rewards by not only providing some useful information, but point you towards the correct expert to complete the job safely and correctly.
In this edition, along with interesting and informative editorial, we have some exciting competitions and give-aways!
NZ Homeowners in conjunction with Wired Dog will be giving away one of three i-Pad2 over the next three issues! See page 4 for details of how to enter for free! NZ Homeowners is also the fi rst publication in New Zealand to bring to you Clicode and their unique ‘Quick Response’ (or QR) technology. See their ad on page 11 and try NZ Homeowners unique code featured here.
Panelrok, on page 8, have upped the ante, and are also giving away a free i-Pad2 with EVERY ORDER over $5000+gst.
The head-line article in this issue is the problems of P-Labs. After meeting Christina Stroud (christinastroud.com) we felt compelled to highlight the effects that P-labs have not only in our community but also our homes too! Unfortunately, the presence of these labs is a lot closer than we realise and for a landlord with a rental property, this could potentially be fi nancially crippling!
Enjoy the read! Chris
Contact details:
Publisher: - Chris Mostert - 0211 347 103
E-mail: - chris@nzhomeowners.co.nz
Printers: - PMP Ltd
Distributors: - Reach Media Ltd
Web: - www.nzhomeowners.co.nz
Distribution is free into 35 000 homes covering: Albany, Arkles Bay, Army Bay, Bayswater, Beach haven, Belmont, Birkdale, Birkenhead, Browns Bay, Campbells Bay, Castor Bay, Crown hill, Devonport, Forrest hill, Glendhu, Glenfi eld, Greenhithe, Gulf harbour, Hatfi elds beach, Hauraki, Hillcrest, Mairangi Bay, Manly, Marlborough, Meadowood, Milford, Murrays Bay, Narrow neck, Northcote, Northcote central, Northcote point, Orewa, Paremoremo, Pinehill, Red beach, Rosedale, Rothesay Bay, Sherwood, Stanley point, Stanmore Bay, Sunnynook, Sunset north, Takapuna, The Palms, Tindalls beach, Torbay, Totaravale, Waiake, Wairau park, Wairau valley, Westlake.
Magazine will be published 6 times per year and distributed in the fi rst week of everysecond month.
Opinions expressed and statements made in adverts and editorials in NZ Homeowners are those of contributors and advertisers. They do not necessarily represent the views of the publisher.
NZ Homeowners sets out to be a print medium to market products and services in the house and home related industries to our readers.
While all efforts are made to ensure accuracy, no responsibility will be taken by the publisher for inaccurate information or for any consequences of reliance on this information.
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NZ Homeowners • June - July 2011 2
In the last issue of NZ Homeowners we talked about some of the differences between renting and home ownership
On a similar theme we thought we would comment this issue about purchasing residential property as an investment.
Kiwis’ have always been attracted to property. Some would say it’s in the blood and the kiwi dream for many has included a house to live in with a plot of land.
In recent years that dream has been extended to include one or two Investment properties and we have borrowed heavily to achieve that. In fact the desire to own investment property has become so prevalent that in many instances it is possible that we lost sight of any long term plan or purpose. We have sort of got carried away with what is fashionable, in many instances, without thinking about the wider ramifi cations of owning an investment.
In fact we have been so accustomed to making money on residential property that during the recent slump in property prices many of us decided to become landlords by default rather than sell at a loss.
So where to from here?
While the residential investment property market has been somewhat subdued during the recent recession, and it is indeed true that some of the tax benefi ts associated with owning investment property have been taken away from us, the reality exists that there will always be a demand for rentals. As long as that occurs there will be those of us who choose to invest in this medium.
I believe that before investing in property it is imperative we understand what we want to achieve. The benefi ts from rental investment come from the long term ownership and having a third party help meet obligations, not
from capital gain. My fi rst rule of ownership is that unless owning residential investment forms part of your long term investment strategy stay away from it.
Likewise it takes a certain personality to manage property. Sure
you have to show empathy and understanding but you also need the ability
to take a hard line if warranted, especially if a tenant falls behind in their rental payments. If this is not you and you still
want to have Investments then carefully choose a Property Manager and have them manage the property for you. While there is a cost associated with that it will be a lot less stressful for you in the long term.
Next, accept that your tenant is unlikely to treat the property as you would your own home and be prepared to factor in some cost for maintenance. If you can’t afford to do this, or if your ability to meet your commitments is highly dependent on the rental you are likely to generate then you should consider carefully whether owning an Investment property is the right decision for you.
Finally, having made the decision to invest in property actively seek advice from professionals qualifi ed to help you make the right decisions. This includes talking to experts who can advise you about taxation and ownership options.
At prosper we will explain the fi nancial implication of various investment scenarios and we will help you structure your borrowings in a way that best suits your circumstances. If you are seriously considering purchasing an investment property you should certainly have us on your list of people to talk to. We have a number of dedicated professionals available to help provide you with the most competitive options.
GEOFF BAWDEN, Director, prosper group (09) 478 0170
Purchasing Residential Property as an investment
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To find out more about how Prosper can help you secure your new home,call (09) 478 0170 today and we will help find the best solutions for you.
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3 NZ Homeowners • June - July 2011
Curtains vs Blinds?
The winter chill has now well and truly arrived.
One of the questions we are most often asked around this time of year
would be “are curtains or blinds better for keeping my home warm?”
It’s well known that lined curtains are great at keeping the chill from
your windows under control. A full, luxurious lined drape will turn that
chilly lounge or bedroom into a snug, cosy sanctuary in no time.
But what about when summer rolls around again? Most peoples
concerns then turn towards glare control and keeping harmful UV rays
off their treasured interiors. Sunscreen blinds are much better in this
situation, as they offer both glare control and privacy, all while keeping
a room light and allowing you to keep your view. But coming back to
the present and the issue of insulation, roller blinds are less effi cient at
insulating than lined curtains.
The obvious answer to get the best of both worlds is to combine the
two. Mount a sunscreen blind inside the window frame and have your
drapes close over the front. This allows you to stay warm in winter, and
keep the glare out in summer.
There is however another clever solution to this dilemma. Recently we
have been combining a sheer curtain fabric and a decorative curtain
lining on a double track system. This allows you to close both the sheer
and the lining in winter to keep in the warmth, and only open the lining
in summer to let in the light, but cut down the glare and give you privacy.
The decorative effect of sheer over the lining gives a wonderful soft feel
to a room, as well as providing interest through pattern and texture.
Colourplus North Shore
Tel: 09 478 0540
northshore@colourplus.co.nz
Which window covering gives you the best insulation during the winter months?
NZ Homeowners • June - July 2011 4
Win an iPad 2Win one of three iPads in the next three issues of NZ Homeowners
Click the code with the camera on your web enabled mobile to be in the draw.
Or e-mail your name, telephone number and e-mail address to win@nzhomeowners.co.nz
First draw:10.00am Friday 22nd July 2011. • Second draw:10.00am Friday 16th
September 2011. • Third draw:10.00am Friday 18th November 2011.
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if you don’t have a web enabled phone, e-mail your name, telephone
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5 NZ Homeowners • June - July 2011
The risk of meth lab contamination
is a growing issue for homeowners.
Once it is noted on a LIM report that
home has been used as a meth lab, it
can lose tens of thousands of dollars in
value. Defi nitive testing of a property
alone costs $2,500 to $3,000!
Some 75% of the meth labs police
fi nd are located in properties rented
to third parties, but no property type
is safe from use as a meth lab. Rural
and remote properties are particularly
exposed due to their isolation, but
properties within the suburbs are at
risk too. Meth labs have been found in
all parts of Auckland and in all property
types, from penthouse apartments in
multi-fl oor developments to stand-
alone properties.
The fi rst clandestine meth lab was found in NZ in 1996. In recent years,
200 or so meth labs found each year by police. This is estimate to be
only 5 to 10% of the total in operation each year. Meth labs move
around, so multiple properties can be affected by one meth lab.
This assumption is based on the fact that 70% of the meth consumed
in New Zealand is made in New Zealand.
‘Where you have meth users, you have
meth cooks and the more meth users
you have, the more people there are
cooking,’ says meth expert Christina
Stroud. Based on the Shore, Christina
has an unsurpassed track record of
successfully working with meth users
to get them to stop their habit.
Most people assume that meth doesn’t
concern their families or community.
The fact is meth affects all of us.
Drug gangs seek to access our wealth
through the risk taking habits of young
adults. People steal to pay for their
drug habits. Increased levels of violence are heavily infl uenced by the
chemically altering effects of meth.
All these factors infl uence the reputations of our communities as safe
and desirable places in which to live and raise a family. These factors
also have a profound effect on the values of our property assets.
It isn’t just a South Auckland issue, as many would like to believe.
Some anti-meth industry experts estimate that in certain areas of
the North Shore and Whangaparoa, meth usage rates are at 20% of
the population!
Miles Stratford, Director of MethMinder, a company that helps
protect property investors from this risk and increase their returns on
investment, believes that these stats and the fact that New Zealand’s
meth problem is not getting any better, mean that if it has not done so
already, meth lab contamination of property is an even bigger risk to
property investors than leaky buildings.
‘The difference between a leaky building and a meth lab contaminated
property is that, unlike a leaky building, you cannot spot a meth
contaminated property by looking at the design.’
Is P-LAB Contamination the next LEAKY BUILDING DISASTER?
How to reduce risk of buying a meth contaminated property
You cannot eliminate the risk but there are a number of
things that can be done to reduce this risk:
1. Ask the real estate agent/vendor about the history
of the place – has it been monitored for meth
being cooked?
2. Look out for unusual stains and/or chemical smells
particularly in the kitchen, laundry, garage and
sleep out.
3. Check the LIM report for reference to ‘NZ Police
Hazardous Chemicals Notice’.
4. Talk to neighbours about the previous occupants
and unusual activity at the property.
5. Have the property tested - costs will range from a
few hundred to a few thousand dollars depending on
the level of assurance you are looking for.
NZ Homeowners • June - July 2011 6
Managing meth lab riskMeth chemically alters people. It turns them into lying, stealing,
thieving, cheating manipulators who look like the people we knew
and loved but have changed such that they will do anything to feed
their habit. - This is why so many people get caught out.
People who end up using your investment property to cook meth
in present as perfectly normal prospective tenants. They may be
existing ‘good’ tenants whose personal
circumstances change leading them to cook
meth, as happened with the tenants of this
Auckland property pictured opposite.
MethMinder is a kiwi company offering
a globally unique monitoring and alarm
system. MethMinder detects meth being
cooked. If used when the property is
advertised it deters people involved with
meth from ever renting the property where
MethMinder is installed. ‘Why go to a property that is monitored for
meth, when there are thousands of others that aren’t?’ asks Miles
Stratford, Director of MethMinder.
The Insurance Council advice on managing meth lab risk is to vet
tenants and regularly inspect property. ‘Despite adopting these
recommendations, hundreds of properties suffer meth contamination
each year’ says Stratford. He believes this is because people don’t
realise the shortcomings of this advice.
He points out that a property owner or manager cannot vet all
known associates of a tenant, cannot be there 24/7, must give 48
hours notice to enter a property, which is more than enough time
to clear away any evidence, cannot rely on the neighbours to report
their concerns and cannot prevent the Courts from bailing meth
criminals back to your property.
‘The only way to be sure your property is protected’ says Stratford,
‘is to keep people involved with meth out of the property and in this
regard MethMinder is essential’.
Options for getting properties monitored
by MethMinder and avoiding the massive
losses associated with meth labs start
from less than $1 per day and all costs are
tax deductible. To put it in context, one
defi nitive test for meth contamination is
enough to pay for 5 to 6 years of protection
from MethMinder.
As well as protection and preservation of
asset value, MethMinder also offers smart
operators an opportunity to increase their return on investment.
Tenant concern regarding meth labs is growing. People who are
concerned about the environment they live in will pay more for, look
after better and stay longer in a home they know is safe.
Call 0800 637464 or www.methminder.co.nz. for more information.
7 NZ Homeowners • June - July 2011
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NZ Homeowners • June - July 2011 8
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9 NZ Homeowners • June - July 20119 NZ Homeowners • JuJuJuJuuneuneuneeeeeeuuneJu eeununeu eu eeJ - J - ----- - JJJ- J uly ululuully uly uly u 201201202011201201201101120111112011201112
It doesn’t matter whether you prefer listening to jazz, pop, rock, classical music
or the latest movie surround-sound eff ects. It doesn’t even matter whether the
source is CD, DVD, Blue-ray, iPod or vinyl. The balance and naturalness of the sonic
reproduction is what dictates whether one just hears sound or truly wants to
feel music.
Shop 3/100 Don Mckinnon drive. Albany ph 444 4321 or 83 View rd, Mt Eden ph 6388 555
www.paulmoney.co.nz
One of the advantages of dealing with the team at Paul Money is not only our vast technical knowledge, but
also our love of accurately reproduced music. This is the reason why we don’t stock a product that we are not
enthusiastic about. Come in to see John or Ben who will construct the correct system for you based on the size,
colour and your budget. We also can assist with installation, repairs as well as designing a comprehensive system
for customers who are building a new home.
Audio Analogue Audiolab Denon Dynaudio JVC Luxsound Mission Monster NAD Niles Nu Force PSB Panasonic Pioneer
Polk Audio Pro-ject Rotel Samsung Sumiko Velodyne Wharfedale Yamaha
AUL
ONEY
NZ Homeowners • June - July 2011 10
Stereo vs Home theatre?
For the most part choosing a music/entertainment system is
a daunting task, especially with all the vast options available.
A good place to start is what type of setup you would like. This can
be condensed down to two choices. There are what is called “Home
Theatre” systems and “Stereo or 2 channel” systems. If you would like
to try and re-create the feeling of the cine movies then home theatre is
the system for you. Alternatively if you are more interested in listening
to just music then a 2 channel system will be your best route.
The differences between the two systems are; Home theatre comprises
of speakers being placed around you putting you in the centre of the
‘action’. The most basic
form of this is made up of
a DVD or Blu-ray player,
home theatre receiver,
5 - or more speakers,
subwoofer and a fl at screen
or projector. There are left,
right and centre speakers
placed in front of you, two
surround speakers placed
left/right behind or either
side of you and a subwoofer
somewhere in the listening
area. The aim of this format
is to give one the sense that you are in the middle of the movie with
sound being produced in a three dimensional manner. By doing this
one is made to feel more involved in the experience while having your
senses stimulated visually as well as audibly. This is an exciting setup
and will be an avid movie lover’s ideal transport into another world.
Stereo or 2 channel systems are for those who prefer listening to their
favourite music and are not overly concerned with watching movies
as much as enjoying a good CD or piece of vinyl or high quality digital
media. This setup is very simple and can reap amazing rewards for
the individual with sonic accuracy being the main focus. The basic
form of this particular setup will consist of a CD player/turntable/
media streamer, integrated
amplifi er, two 2 speakers
and some decent quality
cables to hook the system
up. This is the most common confi guration which most of us will
be familiar with and the easiest to operate. The aim here is to try
accurately mimic the music and in most cases build a 3 dimensional
‘sound stage’ in front of you.
Recordings will often have been
made with instruments placed
in different spots in a recording
room, if you close your eyes
you should be able to pick out
where they are placed in the
sound space ahead of you.
Sounds like voodoo but this is
what the majority of individuals are not aware of. A well matched and
partnered system by a specialist will most probably breathe new life
into your music.
This is just a basic description and touches lightly on both systems.
Make no mistake, you can manipulate and add to these systems as
much as one can hope to spend. The most important component to
choosing and purchasing an entertainment system is the individual
who is helping you. It is always best to listen to a specialist who has
a genuine interest and passion. Often it will be a person who treats it
more like a hobby and has no desire just to sell you a box.
Paul Money - Albany
Tel: 09 444 4321
shop@paulmoney.co.nz
It is not all about how many speakers… but rather how you want to use them.
“A well matched and
partnered system
by a specialist
will breathe new life
into your music.”
AUL
ONEY
11 NZ Homeowners • June - July 2011
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NZ Homeowners • June - July 2011 12
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13 NZ Homeowners • June - July 2011
The Process of Buying a Home
In New Zealand there are several ways to sell and buy a home,
including: auction, tender, advertised/ fi xed price or by negotiation.
Regardless of the method used, you should always have a written sale and
purchase agreement.
Preparing an offer
Before you submit an offer there are a number of key details that need to
be determined:
• The name(s) of the vendor(s) and purchaser(s).
• The address of the property.
• The type of title (freehold, leasehold etc).
• The chattels that are to be sold with the
property (e.g. whiteware, drapes, satellite dish).
• The price.
• The rate of interest that the purchaser must
pay on any overdue payments.
• The deposit that the purchaser must pay.
• The date on which the agreement will become
unconditional if there are conditions, e.g. title
approval, fi nance, LIM report, builder’s report,
valuation, sale of existing home.
• The settlement date (the date the purchaser
pays the remainder of the amount for the
property, usually the day when the purchaser
takes possession of the property).
• Any conditions the purchaser wants
fulfi lled before the contract is agreed.
• Condition of property.
The Sale and Purchase Agreement
Have your lawyer review the sale and purchase
agreement prior to executing (signing) same, as this
will afford you the opportunity to make any suggested
amendments. It is extremely important to remember that once you have
signed the agreement, a legally binding contract comes into force with the
ensuing legal obligations.
Once your offer is submitted to the vendor, it will either be accepted,
rejected or you will embark on negotiations with the vendor. It is usual
for those negotiations to be handled by the real estate agent with any
amendments to the contract preferably being approved by your property
lawyer. Every time the Agreement for Sale and Purchase is amended and
submitted to the other party it is, in law, the rejection of the previous offer
and the making of a counter-offer. When the document is accepted without
amendment and signed then the contract is formed.
It is important to note that the real estate agent works for and is paid by
the vendor. The agent must therefore carry out the vendor’s instructions (as
set out in the agency agreement) and act in the
interests of the vendor. Agents do also have clear
responsibilities to purchasers even though they are
representing the seller.
Once the contract has been signed and dated, the real estate agent
sends signed copies to the solicitors for the vendor and purchaser. The
purchaser’s solicitor will immediately obtain a search of the title and
any relevant documents recorded against the title. Copies will then be
provided to the purchaser. The general conditions of the standard contract
contain provisions allowing a purchaser to object if there are problems
with the title.
Can I cancel the agreement if I change my mind?
Once a contract has been formed, you cannot cancel
a sale and purchase agreement just because you have
had second thoughts about buying or selling the
property concerned.
In general, once you have signed a sale and purchase
agreement and the conditions set out in it have been
met, you will have to go ahead with the sale/purchase
of the property.
Satisfying Conditions as set out in the Sale and
Purchase Agreement
At the same time as the title is searched, the purchaser
is normally required to take steps to fulfi ll any other
conditions of the contract. For example, if the contract is subject to fi nance
or a valuation report, then steps should be taken to satisfy these conditions.
The purchaser should also at this time check with the Council to ensure
that all Council requirements have been satisfi ed and in particular that
any additions or alterations have obtained the requisite consents.
Many purchasers obtain a LIM (Land Information Memorandum)
report from the Council. The LIM sets out information the
Council has on the property. Councils make a
charge for providing LIMs.
A condition of the contact may be a pre-
purchase inspection report. This report
should identify any items in the property
that require attention. It is unlikely
that a home will come though a property
inspection with a clean report as maintenance
on an existing home is always required. However, a
property report allows you to make an informed decision
prior to proceeding with the purchase of the property
We recommend you use a certifi ed inspector for your potential pre-
purchase inspection report.
Confi rmation
Once the purchaser is satisfi ed that the conditions can be fulfi lled, the
Buying or selling a home is one of the biggest fi nancial commitments you will ever make. There are several relatively complicated stages to negotiate and there are a number of things to look out for.
“Whilst there is a process
to follow, there is skill
and experience required
to avoid potential
problems. You need to have
confi dence in those parties
representing you to ensure
an excellent result.”
NZ Homeowners • June - July 2011 14
BARRISTER & SOLICITOR
QUAY LAW
purchaser’s solicitor confi rms
to the vendor’s solicitor that
the contract is unconditional.
Alternatively, should a condition
not be satisfi ed then the
purchaser’s solicitor should notify
the vendor’s solicitor that the
contract is at an end.
Post Confi rmation and
preparation for Property
Transfer
Once the contract has been
confi rmed we commence
updating the Land Information
New Zealand website
(Landonline) for managing the
transfer of the property’s title with the details of your transaction.
Relevant documents are completed on behalf of parties through the
completion of signed Authority and Instruction forms (A&Is) which
enables both the vendor’s and the purchaser’s solicitors to make the
necessary changes to the title, on the day of setlement, of the property
being purchased. The vendor’s lawyer prepares a settlement statement
(showing debits and credits) which adjusts the rates on the property as at
the proposed settlement/possession date.
In addition, your solicitor will:
• arrange for the execution of the A&I’s - which transfers ownership
to you.
• check that the rates and other costs are paid and up to date.
• check that you have arranged insurance for your new home from
settlement date.
• carry out a ‘guaranteed search of title’ from the Land Information
Office. This protects you from anyone else having a claim over
your property.
• make arrangements with you and the bank for advancing of your loan
and payment of the remaining share of the purchase price (excluding
your deposit).
Loan and Mortgage Documentation
The mortgage is a legal document that gives your lender security for the
money that you owe them.
If the purchaser is borrowing money from a fi nancial institution, then
following confi rmation and before settlement all loan and mortgage
documents need to be completed by the purchaser. Mortgage
instructions are sent by the lending institution to the purchaser’s
solicitor for preparation of the security documents and execution. The
details of the mortgage are added to Landonline by the solicitor. Once the
documentation has been completed, the purchaser’s solicitor completes a
certifi cate requesting the fi nancial institution to draw down the loan on
the settlement/possession date.
Insurance Cover
The purchaser needs to arrange insurance cover for the property from the
possession / settlement date.
Pre Settlement Property Inspection
During the normal course of events prospective property purchasers visit
a house they intend to purchase and if the property is to their liking, enter
into an Agreement for Sale and Purchase.
Once the Agreement becomes unconditional, the purchaser is entitled to
carry out a pre-settlement inspection in order to avoid any unpleasant
surprises. Examples could be a window broken, light fi ttings missing, a burn
mark on the carpet, etc. Obviously this damage must have occurred after
the date on which the agreement
was signed.
The pre-settlement inspection
is normally arranged by the
real estate agent, and must be
carried out no later than the day
before settlement is scheduled to
occur. During this inspection the
property purchaser should ensure
that the property is in the same
condition as it was on the day
that the contract was signed. If
any damage has occurred since
the signing of the Agreement for
Sale and Purchase, the purchaser
can request that the problem be
remedied or alternatively could ask for compensation.
Depending on the situation the purchaser’s solicitor could negotiate with
the vendor’s solicitor to retain an amount in their trust account pending
the satisfactory correction of the identifi ed damage.
Possession / Settlement
The possession date, usually the same as the settlement date, is the
day that you will take possession of the house. It is also known as the
settlement date because it is the day you pay for the house and this process
of transferring money is known as settlement.
On the possession/settlement date, the purchaser’s solicitor receives
the loan advance from your lender and any cash contribution from the
purchaser and pays over the full settlement fi gure to the vendor’s solicitor
by way of a bank cheque or electronic transfer. This must be completed
before 4pm on the day of settlement. The purchaser is entitled to vacant
possession (and handing over of the keys) of the property as soon as
moneys have been paid over but not before.
In exchange for the settlement moneys, title passes to the purchaser by
means of the release of the Landonline documents from the vendor’s
solicitor to the purchaser’s solicitor. The title is updated immediately with
the discharge of the existing mortgage, the transfer of title to the purchaser
and the new mortgage registered. A copy of the updated title is provided
to the purchaser as part of the purchaser’s solicitor’s settlement report.
Following settlement, the vendor’s solicitor notifi es the relevant Council
with details of the names of the new owners of the property.
General
Whilst there is a process to follow when it comes to property conveyancing
transactions, there is skill and experience required to avoid potential
problems. You need to have confi dence in those parties representing you
to ensure an excellent result.
This article has been written as a guideline in order to highlight
the process involved with purchasing a home. Should you need any
assistance in relation to your property purchase or NZ Property Law,
please contact Auckland Property Lawyer, Ian Mellett at Quay Law
Barrister and Solicitor.
Contact Details
Phone: +64 9 5232408
Web: www.lawyerinauckland.co.nz
UNAUTHORISED USE. The contents of this article may be subject to copyright, legally privileged and confi dential. Any unauthorised use, distribution or copying of the contents is expressly prohibited.
15 NZ Homeowners • June - July 2011
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Entries must be successfully received by NZ Homeowners before the promotion close-off dates and times to qualify for that draw.
2. To enter simply e-mail your e-mail address, contact telephone number and name to win@nzhomeowners.co.nz or download the reader, click the code and complete the online form.
3. You may not enter or be entered more than once and you must submit a legitimate e-mail address, telephone number and name to qualify for any prizes. Any entry not complying with these
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NZ Homeowners • June - July 2011 18
If you have trees on your property, you’ll appreciate the need for skilled arborists who can recognise and reduce tree hazards.
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Co-director Roger Craig,
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Co-director Samantha points out, we love dealing with home-
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