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Even in normal times Banks in NZ reject 60% of Business applications primarily because firstly your business risk profile does not pass Bank standards (the % is probably higher than 60% at present) or that the borrower has misrepresented the financial status of the business to the bank concerned. … View moreEven in normal times Banks in NZ reject 60% of Business applications primarily because firstly your business risk profile does not pass Bank standards (the % is probably higher than 60% at present) or that the borrower has misrepresented the financial status of the business to the bank concerned. A lot of the above is also because you do not have equity in residential property sufficient to secure your borrowings.
If you have residential property security available we can arrange 12 month loans at 8.5% p.a. PLUS a Lenders Loan Establishment Fee of 2% max = Total Lenders cost of 10.5% which can be renewed annually and is repaid by way of monthly Principal and Interest payments. The Banks operating in NZ as shown at interest.co.nz total charges stretched from a low of 12.1% p.a. lowest to 20.15% p.a.
Note the lowest Bank Loan/Overdraft rate assumes that they only take a interest rate margin of 1% out of what they say is their spread choice of 1% to 5% which I have never ever seen from a Bank in NZ and Australia since 1976.
Our Lender of choice can also switch-hit to Invoice Discounting - which is far more expensive on the surface than using residential property to secure the lower rates shown above. Only one Bank in NZ can switch hit being the BNZ but your credit sales p.a. have to exceed $3.5 M nzd.
The advantage of using Invoice Discounting is two fold, Firstly despite the cost it super charges your cashflow and secondly the resultant liability from selling invoices to the Lender is that the debt is extinguished when payment of the invoice is made by the customer.
Rick 0204-0203663 rick.otavicpartners@gmail.com
FERN LOGO The Final One for Neighbourly 22nd October 2020 .pdf.pdf Download View
Most furniture is now gone. including the square, oak dining and round coffee table, and narrow wooden desk.
Remaining: antique chase lounge that needs re-upholstering, and comfortable chair
Thank you to the people who have kindly taken it.
To find your nearest Neighbourhood Support or to get in touch about setting up a new one, go to:
Not all Property Managers are created equal! When choosing a Property Manager, what are the key qualities you look for? What is most important to you? Your investment should be in the hands of an experienced and capable Property Manager, who knows what to look out for, and how to keep your … View moreNot all Property Managers are created equal! When choosing a Property Manager, what are the key qualities you look for? What is most important to you? Your investment should be in the hands of an experienced and capable Property Manager, who knows what to look out for, and how to keep your investment in great condition. Your Property Manager should also be committed to delivering excellent service to you and your tenants, and in order to do that, they should have a portfolio of a manageable size. Overloaded Property Managers cannot effectively manage. I offer a boutique style of property management, and do not take on more properties than I can effectively manage. If you're looking for excellent service, and management, then talk to me today!
The Birds Auckland group has been driving past regularly to check on the male swan that was shot with a crossbow in Auckland's Western Springs.
The group painted the bird's head yellow so they can watch over its welfare.
The swan was earlier reunited with its partner and cygnet after a… View moreThe Birds Auckland group has been driving past regularly to check on the male swan that was shot with a crossbow in Auckland's Western Springs.
The group painted the bird's head yellow so they can watch over its welfare.
The swan was earlier reunited with its partner and cygnet after a crossbow bolt was removed from its chest and the animal was treated with antibiotics.
If you notice any future problems with the swan, phone Birds Auckland on 09 256 7300
Calling all the single lads and ladies! Spoil yourselves this coming Singles Day by winning one of three indulgences from Glenfield Mall.
That’s right, you could win either a fragrance of your choice from Life Pharmacy worth $200, a Treatment & Blow Wave from Rodney Wayne worth $100 OR a … View moreCalling all the single lads and ladies! Spoil yourselves this coming Singles Day by winning one of three indulgences from Glenfield Mall.
That’s right, you could win either a fragrance of your choice from Life Pharmacy worth $200, a Treatment & Blow Wave from Rodney Wayne worth $100 OR a meal voucher from Viki Vietnamese worth $100 to treat yourself this Single’s Day!
All you need to do is subscribe to receive our newsletter updates. Already subscribed? No worries flick over to our social page to enter. Visit Glenfieldmall.co.nz for more details and Single Day instore deals!
Hi,
Come and visit us inside the Arcade and try our delicious Persian meals.
Address: 5/15 Victoria road, Devonport
Phone: 09 6002125
A series of accusatory hand-written notes have been delivered to residents of Harbourside Drive following Sunday’s vandalism of several trees.
Locals are feeling “absolutely disgusted” at the suggestion that they are behind the incident, which involved a vandal felling eight street … View moreA series of accusatory hand-written notes have been delivered to residents of Harbourside Drive following Sunday’s vandalism of several trees.
Locals are feeling “absolutely disgusted” at the suggestion that they are behind the incident, which involved a vandal felling eight street pōhutukawa trees with a chainsaw.
Paul and Sue Wilson, who have lived on the road for over 10 years, arrived home on Monday from a trip to Waiheke Island to find a line of felled trees and a curt hand-written note in their letterbox.
Aucklanders are advised to expect potential disruptions as Metservice reports high winds on the Harbour Bridge. Trains on the Eastern and Western lines have also been cancelled. Delays are expected, with felled trees, power disruptions and heavy rain experienced city-wide.
Here's what you … View moreAucklanders are advised to expect potential disruptions as Metservice reports high winds on the Harbour Bridge. Trains on the Eastern and Western lines have also been cancelled. Delays are expected, with felled trees, power disruptions and heavy rain experienced city-wide.
Here's what you need to know:
- North-easterly winds are being recorded in Auckland, with Metservice forecasting winds up to 110km/h between 2pm and 4pm in the bridge area.
- Waka Kotahi (NZTA) have introduced speed restrictions on the Harbour Bridge.
- Drivers of heavy vehicles and motorcyclists are advised to travel via the Western Ring Route (State Highways 16 and 18).
Stay up to date with the latest road closures and disruptions by heading to Waka Kotahi's (NZTA) journey planner. You can find an alternative public transport route by using the AT Journey Planner.
If you are looking for a qualified and experienced massage therapist, with over 30 years experience, I'm your person! My clients tell me that their massage session/s have helped with their cluster headaches, improved their sleep and of course released tension as well. Check out my facebook … View moreIf you are looking for a qualified and experienced massage therapist, with over 30 years experience, I'm your person! My clients tell me that their massage session/s have helped with their cluster headaches, improved their sleep and of course released tension as well. Check out my facebook page www.facebook.com... to find out more or book direct via: www.truepotential.co.nz...
2 French doors with side lights. Good condition
2030 height x 2000 width. Total would be 4 metres approx. $500.00 Total price for both. Must take both
Hi Neighbours,
We provide powder coated aluminium, motorised Roof Louvres, from start to finish. Our NZ Made and Designed roof louvres have an integrated gutter system and are operable with a remote controller. Extending your outdoor living with the perfect sun and rain control. We also … View moreHi Neighbours,
We provide powder coated aluminium, motorised Roof Louvres, from start to finish. Our NZ Made and Designed roof louvres have an integrated gutter system and are operable with a remote controller. Extending your outdoor living with the perfect sun and rain control. We also specialize in manually operable louvre and fixed louvres.
Get your free quote today! Call or email with the rough measurements of your louvre, and find out for yourself that TLC has quality NZ made and designed louvres for accessible prices!
info@thelouvrecompany.co.nz
0800 852 669 (TLC NOW)
Prime Minister Jacinda Ardern has revealed her new Cabinet lineup.
Grant Robertson will take on the role of deputy prime minister in the new Labour-led Government.
Got a side hustle going on? If you’re a babysitter, gardener, tutor or any casual service provider, it’s easy to reach local customers in your neighbourhood. All you have to do is set up a Neighbourly business profile!
Having this feature puts you a cut above the rest, with your business … View moreGot a side hustle going on? If you’re a babysitter, gardener, tutor or any casual service provider, it’s easy to reach local customers in your neighbourhood. All you have to do is set up a Neighbourly business profile!
Having this feature puts you a cut above the rest, with your business easy to find for Neighbours in our Business Directory. To get yourself business ready, follow these steps below:
- Head to our business directory by clicking ‘Businesses’ button at the top of your noticeboard.
- Click ‘Become Premium Business' (you can find this at the categories section).
- Have a browse! You can read all of our info and make a decision on whether your service will be more suited to a Premium Business Profile or a free profile.
- Follow all the steps in the sign-up process and you’re good to go.
Howdy locals, I'm hosting my next event on 10 November at the RNZYS (returning to Devonport in February). Join me and Anne Beeson, Property and Estate Lawyer unravelling the details of Purchase & Sale contracts and the settlement process - bring questions - its hugely relevant stuff! … View moreHowdy locals, I'm hosting my next event on 10 November at the RNZYS (returning to Devonport in February). Join me and Anne Beeson, Property and Estate Lawyer unravelling the details of Purchase & Sale contracts and the settlement process - bring questions - its hugely relevant stuff! REGISTRATION REQUIRED - SEATS LIMITED www.eventbrite.co.nz...
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