Bring Your Pet to Your New Active Lifestyle Estates Home

Since we know how important furry companions are for both emotional and physical wellbeing, small animals are more than welcome in most of our Active Lifestyle Estates communities.

However, just as it can be for people, moving can be an emotional experience for some pets, especially those who have lived in the current family home for most of their lives.

Below are some tips to make moving as seamless and pleasant as possible for your furry or winged friend.

Be patient
You may be surprised (and annoyed) to find your normally toilet-trained cat or dog has a few accidents inside your brand new home. It could take a few days for them to get used to the new situation, so be forgiving. Make sure you take them outside regularly so they get used to their new space, learn where the door is and
have plenty of opportunity to use the toilet. Wait for a week or so to put down rugs or mats to make sure they’re not ruined while your pet gets used to their new home.

Say hello
This one is important for both you and your pet (especially dogs). Make sure you introduce your pet to your neighbours – especially those with their own pets. Your dog will definitely be able to sense and smell another dog in the area, which may lead to unwanted barking or whining. By familiarising them to one another
from the very start, you’ll be less likely to encounter any noise issues. While your pups are getting to know one another, why not plan a daily walk or game of fetch with your neighbour and their pet? Alternatively, suggest a weekly play date for all the dogs in the estate – it will wear them out quickly and it will ensure they
don’t get lonely or bored.

Take it slow
It might seem easy to give your pet run of the house while you’re busy settling in, but it’s best to let them get accustomed to small sections of their new home at a time. The laundry or bathroom is a great place to start. It’s also important to keep them occupied while they get used to the new space, so invest in some hardy toys to make sure they don’t chew or claw anything of value (like the new couch).

The Big Question: Do I downsize or stay in place?

Financial confusion is one of the reasons people delay downsizing and move to a lifestyle community, but when they finally make the move, their biggest regret is not moving sooner.

While many clients tell us their downsizing journey is an apprehensive one, their main queries are around comparing the costs of moving into a lifestyle community versus staying in place.

As demonstrated in the table below, here is an example: Shirley was living in a large family home in Logan, Queensland, which she owned outright.

However she found the ongoing maintenance and upkeep was becoming too much for her. This along with various other considerations resulted in her decision to sell.

After achieving a sale price of $450,000 for her house, Shirley made a decision to move to Active Lifestyle Estates Chambers Pines where she purchased a brand new home for $245,000.

Shirley freed up approximately $190,000 in equity that she can now use to enjoy the next stage of her life!

If we take a look into Shirley’s estimated monthly costs after moving to an Active Lifestyle Estates community, compared to staying in place in the family home, Shirley is $228.80 better off per month in her new home.

She is able to enjoy spending her new bank balance on herself and her family.

Costs to Downsize Active Lifestyle Estates
Chambers Pines
Staying in Place
House Value $450,000 $450,000
Minus Selling Costs -$15,000 $0.00
Remaining Equity after purchase of brand new home at $245,000 $190,000 $0.00
No Stamp Duty  x N.A
Council Rates 0 $220.00 / month
House & Contents Insurance $60.00 / month $100.00 / month
Utilities $60.00 / month $100.00 / month
Home Maintenance $30.00 / month $100.00 / month
Yard Maintenance $0.00 / month $50.00 / month
Site Fees & Lease of Land

Minus Rent Assistance

Equals total Monthly Site Fees

$600 / month

– $258.80

= $341.20*

0
Meals $400.00 / month $400.00 / month
Entertainment and Travel $100.00 / month $250.00 / month
No DMF or Exit Fees  x N.A
Secure Gated Community  Yes  x
Village Manager  Yes  x
Onsite community facilities, free activities  and bus trips  Yes  x
Living with like-minded people  Yes  x
Ingenia Wellbeing Program  Yes  x
Monthly Costs to Downsize

Plus Shirley has $190,000 in cash freed up from the sale of her home

$991.20 $1,220.00

There are a variety of other non-financial benefits Shirley takes advantage of too:

  • The Active Lifestyle Estates model is unique with buyers purchasing a new, architecturally manufactured home and leasing, rather than owning the land. It offers a much more affordable entry price point and eliminates the need to pay stamp duty
  • There are no deferred management fees or entry or exit fees. You also keep 100% of the capital gains on the sale of the property
  • Downsize and de-stress knowing you don’t have cupboards, storage and a garage full of clutter
  • The communities are vibrant places to live with active people who all enjoy the independence, freedom and choice to live the way they want
  • There are more opportunities for socialising and meeting like-minded friends which provides many mental health benefits to improve your wellbeing
  • With less home maintenance you can free up your time to do more of the things you want to do such as travel or start a new hobby
  • Expect the monthly bills to be smaller after you downsize.
  • Have your own set routine or join in the social activities at the club house.
  • You have the opportunity to take control of your future

Once you analyse the financial lifestyle and wellbeing advantages of living at an Active Lifestyle Estate it is clear our residents have taken the time to enjoy life!

Many of the costs stated in this story are approximations and are only intended as that. Each community does vary and costs will depend on the individual location. Personal preference in many areas could change these costs so please keep this in mind.

*Site rental prices are subject to change. Rental assistance figures are indicative only and may vary depending on an individual’s circumstances. For more information visit www.humanservices.gov.au/customer/services/centrelink/rentassistance

If you have further queries, we recommend you seek advice from a financial advisor who specialises in this area.

Our Special Experience Using The Ingenia Gold Card

Residents from Active Lifestyle Estates Albury, Graham and Heather, have recently returned from a stay at our sister resort park, Active Holiday Parks White Albatross.

As the park is owned and operated by Ingenia Communities, they were able to take advantage of their Ingenia Gold Card and receive a 25% discount on accommodation.

Graham and Heather were heading to the NSW central coast for a quick trip to Nambucca Heads to pick up a new camper trailer.

“It was a very easy process to book using the Gold Card, and when we arrived at White Albatross the manager gave us a very warm welcome.

“The room was very nice and the park surrounds were also lovely, it’s right on the waterfront and had some great little features to it.

“The staff were so friendly and kept asking us where we were from.

“When they found out we were from Active Lifestyle Estates Albury they were really happy to welcome us.”

Graham and Heather were the first residents to move into Active Lifestyle Estates Albury in 2015 after downsizing from a large family home.

“We are definitely going to travel on the Ingenia Gold Card again. We are taking our new camper up to Agnes Waters (near Gladstone, Queensland) and will be using all of the Active Holiday Parks on the way there and back and take advantage of our Gold Card discount.”

They now enjoy a very easy and enjoyable life with less housework, less garden maintenance and less worry knowing there are staff around to look after their home while they travel.

Situated in stunning locations across New South Wales and South East Queensland, Active Holiday Parks offer comfortable, quality accommodation on prime waterfront settings, in relaxing vineyards, at major tourist destinations and everywhere in between.

You can choose from a variety of caravan, camping and cabin accommodation styles, in a relaxing yet fun atmosphere for families, retirees and grandkids.

For more details about this outstanding residents club benefit, simply chat to your Sales Project Manager.

Stretching Your Dollar Further

Whether you’re planning to wind down work commitments or have recently finished work, adjusting to life on a reduced budget can be daunting. On the other hand, this next stage of life should be a time for new experiences and opportunities – not for scrimping and worrying about debt.

Fortunately, there are plenty of financial and lifestyle adjustments that can make a big impact on your savings in the long run and that require little more than perseverance and some planning.

Discounts
Each Australian state and territory has its own Seniors Card program providing government concessions and business discounts for a range of goods and services. In addition, the Commonwealth Seniors Health Card provides seniors with access to cheaper prescriptions and medical services. Be aware of what
discounts are available to you – you could be saving hundreds of dollars on your everyday expenses.

Don’t forget when you purchase a home in Active Lifestyle Estates you automatically receive our Ingenia Gold Card which entitles you to a 25 % discount on your holidays at Active Holiday Parks.

Aside from discounts, find out whether your local shopping centre, library or community centre holds free activities or classes. You may be able to learn a new skill or pursue a new hobby at no cost, and it’s also a great way to entertain visiting grandkids.

Transport
Now you’re no longer working, consider whether your car is a luxury or necessity. Registration, insurance, mechanical services and petrol quickly adds up, and with your Seniors Card it’s likely you’re eligible for discounts on public transportation. If you’re within walking or cycling distance to local shops, you’ll save even more money and stay active at the same time! If you’re not quite ready to part with your car, make sure you take advantage of any discounts your Seniors Card may provide you on registration or insurance.

Most of the Active Lifestyle Estates are located close to public transport, with trains and bus stops just a short walk or drive away. Household and living expenses
Rethinking your household and living expenses, such as electricity, phone and insurance is more than worth your time and effort. Even if you’re not eligible for a seniors’ discount, shopping around for a better deal on household expenses could free up hundreds of dollars each year. An easy mistake to make is staying with the same insurer because you’ve been with them for years – if anything, this should be even more reason for them to offer you a discount.

If you’ve downsized from a large family home, in most circumstances you should start to see a decrease in your electricity and water usage and leaving a smaller carbon footprint.

Shopping and Meals
Research by the Association of Super Funds of Australia found that food was one of the largest expenses incurred by retirees, so get creative about how to minimise food costs. Buying food in bulk is always more economical, so consider getting a group of friends together and splitting the shopping costs or starting a weekly meal-making club – each of you prepare one or two large batches of freezable meals, portion up amongst the group and eat throughout the week.

Sharing skills
It’s likely you and your neighbours have a lifetime of skills honed from years of study and work so before you throw out a ripped shirt or pay to fix a broken table, ask around. Post a sign on a community board asking people to list the talents/skills they’d be willing to offer for a contra swap with others – you’ll soon have
a marketplace of skills to pick from and your neighbours will also benefit from your existing know-how, without having to spend a cent.

Ingenia Wellbeing Program for Over 50s

It is common knowledge that paying closer attention to our health and wellbeing over the age of 50 becomes increasingly important to ensure an independent and active life.

However, a 2015 report compiled by The National Seniors Productive Ageing Centre found only a minority of senior Australians were meeting the recommended level of physical activity and as little as 38 percent of those over 65 were sufficiently active (participating in at least 150 minutes of moderate intensity physical
activity per week).

Ingenia Communities has pioneered a ground breaking new program that puts its residents in the driver’s seat by providing tailored information, advice and care coordination to improve their health and wellbeing. We’ve called it Ingenia Wellbeing.

Ingenia Wellbeing is an initiative developed by General Manager Care Development, Janene Eagleton, joined by local health experts to deliver preventative programs tailored to the differing needs of women and men.

“The program is all about encouraging our residents to take charge of their lives and wellbeing through exercise, education and relationships and to maintain this control to live as independently as possible in the years ahead.

“Ingenia Wellbeing also arranges referrals to health, care and support services so that residents can get on with enjoying life and ticking off their bucket list,” Janene said.

The 8-week wellbeing program is available for a small weekly fee for Active Lifestyle Estates residents and prospective residents thinking of joining a community.

What’s it all about?
The program connects residents at any stage of life with relevant, knowledgeable professionals, offering a diverse range of services from personal care to physiotherapy, podiatry, technology experts and also important discussions on planning ahead.

“The community camaraderie in these wellbeing groups is really wonderful to experience – this is what living a full and independent life is all about,” Janene said.

Residents living in an active lifestyle community benefit from so much more as they are able to achieve individual goals or work together with the friends and neighbours on similar health and wellness preferences.

What does the program include?
The Active Lifestyle Estates Wellbeing program can be tailored accordingly to the variety of residents involved and touches on a broad range of topics.

The next Ingenia Wellbeing program in Queensland
Active Lifestyle Estates Chambers Pines commencing from 30 March. Active Lifestyle Estates Bethania commencing from 6 April. To register your interest or for more information on the 8-Week Ingenia Wellbeing Program please contact Janene on 0418 698 694. Participation fees are $10 / week.

Housing Affordability Not Just a Young Person’s Issue

,

Housing affordability is generally considered a young person’s issue, where they face many restrictions entering the market, but it is also a major problem for those living on a low weekly income paying off an existing home.

The recent Productivity Commission report, Housing Decisions of Older Australians, recommends seniors unlock the equity tied up in their homes and use it to fund the next stage of their life and improve their well-being.

Senior living finance expert and author Rachel Lane said senior homeowners could move into more affordable accommodation and boost their cash reserves by tens or hundreds of thousands of dollars just by selling their home while prices are high.

“Households aged 65 to 74 years had on average $480,000 in home equity, which compared to the cost of a more affordable home in the vicinity of $200,000-$300,000, represents a significant gap of potential cash reserve.

“I would urge seniors to pay close attention to median house prices in their area and affordable housing price points to get a better sense of the type of cash reserves they might be able to access,” Ms Lane said.

According to Ms Lane, there is another great confusion amongst many people about the types of affordable housing available.

“Senior homeowners looking to downsize should not need to be competing in the private market against homeowners and investors, which is a common fear, as there are a variety of traditional and new home options to suit.

“Lifestyle-focused manufactured home estates, for example, are one of the newest catering to this specific market.

“While the homes on offer are of an increasingly high quality, the entry price point is kept low since residents lease, rather than own the land, with weekly fees in the $120-$160 range. This pricing model eliminates the need to pay stamp duty, entry and exit fees and in some cases, the resident is then eligible for rent assistance.

“One such operator – Active Lifestyle Estates – has 21 communities across New South Wales and Queensland and most recently expanded into Victoria,” Ms Lane said.

Owner and operator of Active Lifestyle Estates, Ingenia Communities, Chief Operating Officer Nikki Fisher said the new Victorian community comes at a time when many Australian seniors are grappling with the issue of housing affordability, as the majority of their wealth is tied up in their family home.

“Our new community in Lara, 20 minutes north of Geelong, is an innovative seniors lifestyle community offering affordable and flexible living options that appeals to many over 45s.

“There are brand new homes selling from just $175,000, which are priced at half of Lara’s median house price of $378,000 ,” Ms Fisher said.

Active Lifestyle Estates Lara boasts a state-of-the-art clubhouse that recently underwent $3.1 million worth of refurbishments, tennis court, fitness centre, spa, indoor heated swimming pool and bowling green.

The community is also in preparation for 160 affordable new homes, due to be built over a number of stages with the first of the new homes arriving mid-2016.

Logan Demand Grows For Affordable Over 50s Homes

,

Strong interest in two Logan over 50s communities has signalled growing demand from locals looking to capitalise on increased median house prices and downsize to a more affordable option.

A total of 35 homes have sold in the Ingenia Communities-owned Active Lifestyle Estates Chambers Pines and Active Lifestyle Estates Bethania since launching their current stages to the market in late 2015.

Ingenia Communities, General Manager Sales, Kate Melrose said two recent open days attracted more than 200 open day attendees who were Logan locals looking for more than just a new home.

“The feedback from our open days was that locals were not only looking to downsize but to also improve their overall lifestyle,” Ms Melrose said.

“Our communities provide downsizers with greater control of their lives and an opportunity to enjoy a brand new home at the same time as having the freedom of more money in the bank.

“And if you need care and support in the future, we offer an innovative support program, Ingenia Wellbeing, that lets you live independently in your home longer.”

According to Ms Melrose, the Active Lifestyle Estates model is unique in that buyers purchase a new, architecturally-designed manufactured home and lease, rather than own, the land.

“The popularity of this model is its simplicity, ensuring a much more affordable entry price point and eliminating the need for residents to pay stamp duty or entry and exit fees, yet it still means the home owner keeps 100% of any capital gains if the home is sold,” Ms Melrose said.

“We believe our clients work hard for their money and should be able to retain the full value when they sell.”

Property research expert and Resolution Research Director Diana Howes said there was high demand for affordable homes in the Logan region, with a traditional house and land lot selling at premium prices.

“Housing demand throughout Logan City is currently escalating at unprecedented rates. This high level of demand is having an inflationary effect on housing values, with Logan City’s median house price recording the second highest rate of price growth over the past ten years throughout South East Queensland,” said Ms Howes.

“With the median house price now sitting at $385,000, and likely to continue to escalate over the coming years, opportunities for quality, affordable home purchases are now becoming limited.

“Taking into consideration the comparative affordability of Active Lifestyle Estates’ two Logan communities and market conditions, now may well be an opportune time to consider making the move into a low-maintenance, hassle-free retirement environment like that on offer.

“Bethania in Logan is a retirement hot spot with the proximity to Brisbane and Gold Coast making it a popular and affordable location and Active Lifestyle Estates Bethania sets a new benchmark of quality affordable seniors living with the estate’s quality home designs, internal landscaping and layout and community facilities unmatched throughout greater Logan.”

Visitors to two recent open days at the communities were impressed by the facilities, including Bethania’s resort-style clubhouse, the swimming pools and lawn bowls greens at each community, the general sense of comradery our current residents exude and the synergy they have created with the onsite management team.

Brand new homes are available from just $210,000 at Chambers Pines and $299,000 at Bethania, with a variety of floorplans available.

Active Lifestyle Estates Chambers Pines is located at 2 Koplick Road, Chambers Flat. More information is available at www.liveinlogan.com.au

Active Lifestyle Estates Bethania is located at 41 Radke Road, Bethania. More information is available at www.liveinbethania.com.au

Property Hot Spot in Logan’s Bethania

,

Strong interest in Logan over 50s communities has signalled growing demand from locals looking to capitalise on increased median house prices and downsize to a more affordable option.

Property research expert and Resolution Research Director Diana Howes said there was high demand for more affordable homes in the Logan region, as traditional house and land lots are selling at premium prices.

“With the median house price now sitting at $385,000, and likely to continue to escalate over the coming years, opportunities for quality, affordable home purchases are now becoming limited.

“Purchasing a home in Active Lifestyle Estates Bethania, selling from just $299,000, are a response to the undersupply of quality, affordable accommodation in Logan.

“Bethania in Logan is a retirement hot spot with the proximity to Brisbane and Gold Coast making it a popular and affordable location.

“Bethania is a peninsular suburb with one road in and one road out making it a unique location and ensuring land supply is finite,” Ms Howes said.

Housing demand throughout Logan City is currently escalating at unprecedented rates. This high level of demand is having an inflationary effect on housing values, with Logan City’s median house price recording the second highest rate of price growth over the past ten years throughout South East Queensland.

“Taking into consideration the comparative affordability of Active Lifestyle Estates Bethania and market conditions, now may well be an opportune time to consider making the move into a low-maintenance, hassle-free retirement environment like that on offer in Active Lifestyle Estates Bethania.”

“Importantly, when a market is demonstrating a lift in median values often this translates into a solid opportunity to sell out of the family home and realise equity to fund retirement,” explains Ms Howes.

Active Lifestyle Estates Bethania sets a new benchmark of quality affordable retirement living with the estate’s quality home designs, internal landscaping and layout and community facilities unmatched throughout greater Logan.

“The quality of housing at Active Lifestyle Estates Bethania is very well designed and one of the most innovative communities.

“If there ever was a time to consider downsizing and moving into Bethania, now is the time to take advantage of the equity in your home, live in a more affordable home and a quality location.

“Medium house prices are escalating rapidly and Active Lifestyle Estates Bethania is an excellent purchasing proposition.”

A total of nine homes were sold over two recent open days at Ingenia Communities-owned Active Lifestyle Estates Chambers Pines and Active Lifestyle Estates Bethania.

Brand new homes are available from just $210,000 at Chambers Pines and $299,000 at Bethania, with a variety of floorplans available.

The growing population in Logan has seen the local demand for affordable housing skyrocket, with estimates that more than a third of the Logan LGA population will be aged 50 or over by 2031.

Modern Community Centre Coming to Active Lifestyle Estates Albury

,

We have commenced final preparations on Albury’s newest state-of-the-art modern community centre, ready for the Open Day on Saturday 30 April.

The brand new centre, which arrived on site earlier this month, is currently being fitted out with popular features and amenities and will be a great addition to the existing community facilities which include a vegetable garden, men’s shed and pool.

Current residents from Active Lifestyle Estates Albury were on hand to help accept delivery and inspect their new community centre which will significantly transform the lifestyle estate.

There was a buzz of excitement as they looked forward to using their new space by late April, additionally, they will enjoy the opportunity to share the centre with new residents and visitors.

The centre will provide all of the social activities for the Active Lifestyle Estates Albury residents as well as accommodate a variety of local meetings, events and social clubs for the community.

The centre has a commercial kitchen with large dining area, lounge with gas fire, reading library and computer room for IT lessons, consult room for visiting medical practitioners and a large alfresco deck with a BBQ that overlooks the pool.

Owner and operator of Active Lifestyle Estates, Ingenia Communities, Chief Operating Officer Nikki Fisher said the lifestyle community in the New South Wales regional city of Albury comes at a time when many Australian seniors are grappling with the issue of housing affordability, as the majority of their wealth is tied up in their family home.

“Our model is unique in that buyers purchase a new, architecturally designed manufactured home and lease, rather than own, the land which eliminates the need to pay stamp duty.

“This ensures a much more affordable entry price point and means new residents are often able to free up a substantial amount of equity raised in the sale of their previous home,” Ms Fisher said.

There are a variety of brand new home designs that will exceed the expectations of what locals currently have on offer.

New homes are available from $195,000 for 2 bedroom, or 3 bedroom floor plans from $240,000.

Megan Collins is available to conduct Open Homes every Tuesday, Wednesday and Friday 11am to 12 noon or by appointment on 0459 955 122.

New Homes Selling at Half of Western Sydney Prices

,

Senior living finance expert and author, Rachel Lane urges seniors to pay close attention to median house prices in their area and affordable housing price points to get a better sense of the type of cash reserves they might be able to access.

“Active Lifestyle Estates Stoney Creek in Marsden Park, is an innovative seniors lifestyle community offering affordable and flexible living options that appeals to many over 55s.

“There are brand new homes selling from just $300,000, which are priced at half of Windsor’s median house price of $598,000[1] and Blacktown ($661,000[2]),” Ms Lane said.

According to Ms Lane, there is another great confusion amongst many people about the types of affordable housing available.

“Senior homeowners looking to downsize needn’t be competing in the private market against homeowners and investors, which is a common fear, as there are a variety of traditional and new home options to suit.

“Lifestyle-focused manufactured home estates, for example, are one of the newest catering to this specific market.

“While the homes on offer are of an increasingly high quality, the entry price point is kept low since residents lease, rather than own the land, with weekly fees in the $120-$160 range. This pricing model eliminates the need to pay stamp duty, entry and exit fees and in some cases, the resident is then eligible for rent assistance.

For more information on Active Lifestyle Estates Stoney Creek visit www.liveinmarsdenpark.com.au

[1] Residex Suburb Report – Windsor 2756 NSW http://www.residex.com.au/free-report

[2] Residex Suburb Report – Blacktown 2148 NSW http://www.residex.com.au/free-report