Lifestyle or Life Sentence? 

The appeal of a lifestyle property in North Canterbury is undeniable. The privacy, peacefulness, and extra space for hobbies and family life make the dream of living in the country very strong. However, moving to a lifestyle block without the right knowledge can turn a dream into a “life sentence.” At Ray White Morris & Co., we believe a well-informed decision is the key to a happy lifestyle, and our deep expertise in Rangiora real estate helps our clients navigate this special market with confidence.

Key Considerations for Your Move to the Country

Before you commit to a lifestyle block, there are some unique factors that need to be carefully considered. Being aware of these can save you from unforeseen costs and challenges down the line.

• GST and Tax Implications: Lifestyle blocks can be subject to GST depending on the seller’s and buyer’s tax status. This can be complex, and we strongly recommend you consult with an accountant to understand the implications. Unless you genuinely intend to use the property for a taxable activity, buying a property inclusive of GST is often the simpler option. Claiming GST initially to reduce cash flow can lead to a larger GST expense later when the value of the land increases.
• Services and Utilities: You can’t take city services for granted on a lifestyle block. Be sure to investigate how your new home will receive:
  • Power & Internet: These can be expensive to connect to new build sites due to longer distances. Check the quality and availability of internet, as this can be crucial for those who work from home.
  • Water Supply: It’s vital to understand the water source. This could be a community water scheme (often with a daily allocation), a private well and bore (check the quality and depth), or a water race (primarily for irrigation or stock). You should confirm any water rights or consents with the local council.
  • Wastewater & Septic Systems: Unlike town properties with reticulated sewerage, lifestyle blocks rely on on-site wastewater management. Familiarise yourself with the type of system (e.g., conventional septic tank, advanced secondary system) and check its age, condition, and maintenance requirements.
• Outbuildings, Fencing, and Covenants: Lifestyle blocks are valued for their improvements. Take note of sheds, stockyards, and fencing—as building these from scratch can be a significant cost. Additionally, check the property’s title for any land covenants. These can restrict what you build or how you use the land, and they can be legally enforced by neighbours.

The Right Support Makes all the Difference

Buying a lifestyle block in the Rangiora property market is a different process from buying a home in town. We have a team of experienced lifestyle sales consultants who are specialists in this unique area. We’ll help you find a property that perfectly suits your dream, providing you with the knowledge and support you need to ensure your move to the country is a true lifestyle upgrade, not a life sentence.

FAQs for Lifestyle Buyers

Q: Do I need a Building Inspection on a lifestyle block? A: Yes. A building inspection is just as important, if not more so, on a lifestyle property. The inspector can check the condition of the home as well as any outbuildings, septic systems, and other improvements to ensure everything is in good working order.

Q: How do I find out about the water supply on a property? A: The best way is to ask the listing agent for all the information they have, including bore logs or consent details. We also recommend you work with your lawyer and a local water expert to verify the information and ensure the supply is suitable for your needs.

Q: Can I run a business from a lifestyle property? A: This depends on the zoning of the property and any covenants registered on the title. Some rural zones and covenants have restrictions on commercial activities to protect the residential nature of the area. You should discuss your plans with your lawyer and the local council before making an offer.