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Why You Should Invest in Silverstream, Kaiapoi

by | May 26, 2023 | Silverstream News

Are you looking for a way to grow your wealth?

Property is one of the most popular forms of investment in New Zealand and can provide many benefits. Not only can you earn rental income from tenants and pay off your mortgage faster, but you can also reap the benefits of capital gains over time. And once your mortgage has been paid off, you’ll enjoy a steady stream of rental income, creating a comfortable nest egg for your retirement.

There are several options for property investment, including building a new property and renting it out, purchasing an existing property and renting it out, or flipping an existing property and selling it. Each has its benefits, but with so many options out there, how do you know which one is right for you?

In Silverstream, the answer is clear: building new is the way to go – and here’s why.

A prime investment location

Silverstream subdivision is situated in the Waimakariri District, which is one of the top three places to invest in New Zealand, according to research by Opes Partners.

Waimakariri District made the top three because:

  • It is currently undervalued at 11.5%*
  • The population is projected to expand by 41% over the next 25 years, which is above average*

Silverstream subdivision is already contributing to this growth, with six stages developed and more to come. 

Right now, is the perfect time to invest in property in Waimakariri at a lower value before the district’s expected population growth, which will likely increase demand and property value in the future.

Building new in Silverstream

While existing properties are available in Silverstream, there are plenty of great reasons why you should invest in a new build.

For starters, new builds are exempt from the interest deductibility tax change, meaning you can claim the entire interest cost on your new build as an expense, resulting in a lower taxable profit and less tax overall. If you invest in an existing property, you will have to pay a higher tax, as you cannot claim the entire interest cost of your property as an expense, which results in a higher taxable profit.

At a time of rising interest rates, being able to claim tax exemption on your interest costs will save you money in the long run.

New builds also require lower deposits! The deposit for new builds is only 20% versus 40% for existing properties.**

Customisable & lower maintenance

While there are benefits to investing in an existing property, new builds are customisable to your needs and are at less risk of needing significant, costly repairs.

At Silverstream, you can buy your ideal-sized section and customise your build to suit whatever budget and ideal tenants you have in mind.

With rentals in mind, investing in a new build means that Healthy Homes standards are already met, reducing the costs of getting your property up to scratch for future tenants.

That being said, building a new property doesn’t come without risks.

But rest assured, the majority of our preferred builders are Registered Master Builders, meaning if something goes wrong during your build, they will be able to help resolve any issues and finish your home to the highest standard.

And if any issues arise, you’re covered for a 10-year implied warranty period and a 12-month defect period under the Building Act.

The growth potential of Silverstream

Silverstream is still growing, contributing to the population growth of Kaiapoi.

The Sterling, Kaiapoi retirement village development, located in the heart of the subdivision, will bring many jobs to Silverstream, which will ultimately lead to an increase in demand for rental properties as people look to live closer to work. 

With the completion of the Northern Corridor in 2021, the commute time from Silverstream Subdivision to the city is just 20 minutes, which makes travelling to and from work in Christchurch much more convenient. The improved accessibility has made Silverstream an even more desirable location for renters looking to settle in a well-connected and convenient area.

Increased rental remand and returns

Silverstream Subdivision is becoming an increasingly attractive option for property investors as the number of rentals in the area continues to rise.

According to Tenancy Services, the average market rent in Kaiapoi currently stands at $533, with the upper end being $576. However, in Silverstream, new builds are being leased out for as much as $600.

High demand for rentals, combined with the higher rental prices that new builds are fetching, makes investing in property in Silverstream an appealing option for those looking to maximise their returns.

With Waimakariri being undervalued, the benefits of new builds and growing demand for rentals, now is a great time to invest in Silverstream subdivision. So, what are you waiting for?

We currently have titled sections available in Stage 9 and have long-standing relationships with reputable building companies to help you get started on finding the right house & land package for your needs.

* This data was generated by research conducted by Opes Partners.

** The required deposit for existing properties will reduce from 40% to 35%, effective from June 1, 2023.

Best Hedging Options
  • Griselinia varieties especially Griselinia Canterbury (extremely hardy, fast-growing, perfect for shelter)
  • Pittosporum varieties especially Pittosporum ‘Stephens Island’ (attractive, dark green foliage and a reliable hedge option)
  • Teucrium fruiticans – Silver Germander (excellent for low hedging, providing silvery foliage all year round with pale blue bee-attracting flowers)
  • Lonicera nitida – Box Honeysuckle (rapid growth rate, makes excellent hedging)
  • Corokia Geenty’s Green (yellow flowers in Spring followed by red berries in Autumn)
Native Options
  • Coprosma (many varieties, attracts native birds)
  • Carex (numerous varieties for all conditions from dry to wetland—excellent for mass planting, bulletproof)
  • Marble Leaf (good for underplanting)
  • Poa cita/Silver Tussock (ideal for revegetation)
  • Manuka (attracts bees)
  • Kanuka (hardy native option)
Reliable Colour Shrubs
  • Nandina/Heavenly Bamboo varieties (attractive year-round foliage):
    • Gulf Stream
    • Lemon Lime
    • Firepower
  • Lavender (attracts bees, thrives in dry conditions)
  • Camellia (good winter/early spring flowering)
  • Escallonia (can be grown as either shrub or hedge)
  • Hebe Wiri Mist (popular, reliable, and low maintenance)
  • Hebe Red Edge (a robust plant with lilac-coloured flowers which gradually fade to white)
Trees That Work
  • Paper Bark Maple (hardy variety)
  • Norway Maple (reliable performer)
  • Prunus /Flowering Cherries (beautiful seasonal display)
  • Malus/Ornamental Apple (excellent for gardens)
  • Weeping Pear (sturdy branches handle local conditions)
  • Magnolia ‘Little Gem’ (smaller variety, good for gardens)
“Just like when an architect considers which way a property faces when designing a house, Canterbury gardeners need to take the same approach.”

Plan Smart, Plant Smarter

Careful planning is the key, says Paul Saunders, Nursery Manager at Sublime.

“Soil preparation is a foundation that’s particularly important in new developments where topsoil may have been scraped away during construction, leaving less-than-ideal growing conditions behind,” he says.

“Then, rather than rushing to fill every corner with plants, I suggest taking an observational approach.”

There’s often the temptation to rush in and quickly plant everything straight away, says Paul, but the key is to take your time.

“Start with your hedging and shelter first,” he says. “This foundational step will create beneficial microclimates throughout your garden and an initial shelter belt that not only protects against Canterbury’s winds but also helps manage frost patterns across your section”.

Indeed, careful attention to sun exposure and positioning should help you decide which plants should go where.

“Just like when an architect considers which way a property faces when designing a house, Canterbury gardeners need to take the same approach,” says Jo.

“Plants on your north face need to be the ones that don’t mind full-on sun, which can be quite harsh, especially along with those easterly winds. Good fencing can help in that respect.”

“Think of your garden as a blank canvas—just with some unique factors you have to take into account to get the best result.”

Simply put, success comes from working with the unique Canterbury environment rather than against it. By choosing locally adapted plants and taking the time to understand your property’s specific conditions, you can create a garden that not only survives but thrives through our region’s dramatic seasonal changes.

© Lime Developments Ltd 2025