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➖ ANZ = Feb 2025
➖ ASB = Nov 2024 (updated from Feb 2025)
➖ BNZ = Feb 2025
➖ WES = Feb 2025
➖ KIWI = Nov 2024
What are your thoughts❓
adviceHQ provides independent financial advice on your refix, refinance, restructure, taking into account the latest market information, your … View more➖ ANZ = Feb 2025
➖ ASB = Nov 2024 (updated from Feb 2025)
➖ BNZ = Feb 2025
➖ WES = Feb 2025
➖ KIWI = Nov 2024
What are your thoughts❓
adviceHQ provides independent financial advice on your refix, refinance, restructure, taking into account the latest market information, your current situation and future plans.
#adviceHQ #interestrates #mortgagerates #OCR #RBNZ
Book Week starts at Red Cross Shop Wairau Park! Great selection of fiction and non-fiction books, buy two, get one for free! (lowest price item is free)
We are open Monday - Saturday 9am - 5pm, Sunday 10am - 4pm
18 Link Drive, Wairau Park
Easily change the height and layout of the shelves any time as your plants grow or the items you want to showcase change with this handy pegboard finished in Resene Colorwood Whitewash.
Find out how to create your own with these easy step by step instructions.
Hi neighbours,
Do you have a vehicle that is taking up space and becoming an eyesore? At AAA Auto Parts we dismantle and wreck cars. We will pay top cash whether your car is dead or alive!
* $300 - $3000 for small cars
* $700 - $10,000 for 4x4 utes, vans, 4WD, trucks and buses
* Same day … View moreHi neighbours,
Do you have a vehicle that is taking up space and becoming an eyesore? At AAA Auto Parts we dismantle and wreck cars. We will pay top cash whether your car is dead or alive!
* $300 - $3000 for small cars
* $700 - $10,000 for 4x4 utes, vans, 4WD, trucks and buses
* Same day removal
* Free quotes over the phone
We will beat any prices in the market by 10%.
Support your local business.
Give us a call on ** 0800 50 00 01 ** and we will be happy to have a chat.
A police incident is causing delays on Auckland Harbour Bridge on Wednesday afternoon.
What you need to know:
- The two left northbound lanes (lane 1 & 2 of 4) are blocked on the Harbour Bridge.
- Traffic is backed up to Newmarket heading north on both the Northern and Southern motorways.
… View moreA police incident is causing delays on Auckland Harbour Bridge on Wednesday afternoon.
What you need to know:
- The two left northbound lanes (lane 1 & 2 of 4) are blocked on the Harbour Bridge.
- Traffic is backed up to Newmarket heading north on both the Northern and Southern motorways.
- Auckland Transport have advised that bus routes 82, 866, 923, 931, 933, 939, 95B, 95C, 966 97B, 97R, NX1, NX2 have been delayed.
- NZTA is asking commuters to merge with care and expect delays.
- Google Maps is showing a delay of 39 minutes.
Are you looking to sell? I'd be happy to provide an estimated sale price! Many houses selling for a Premium price.
Want to know how much your home is worth? Find out now! homeasap.com...
#sellers #homevalue #sellmyhouse #sellmyhome #sellerswanted #salespriceestimate
From stunning sunsets to quirky murals - we're loving seeing the beautiful photos that members are sharing across the country. These local Bright Spots add a little colour and brighten the day.
Our Bright Spots campaign closes on Sunday, 15 July so time is running out to share yours. With … View moreFrom stunning sunsets to quirky murals - we're loving seeing the beautiful photos that members are sharing across the country. These local Bright Spots add a little colour and brighten the day.
Our Bright Spots campaign closes on Sunday, 15 July so time is running out to share yours. With 10 prizes of $250 Resene ColorShop vouchers and $250 Prezzy® cards up for grabs, do take a moment and share this happy place with us.
Enter your local Bright Spots pics here today and be in to *WIN*.
Hi all. Reliable and trustworthy female would like to do dog walking, dog day care and pet sitting. Prefer small-medium dogs and on the shore please. I work a few days at a dog grooming place. If anyone is interested, feel free to contact on 0221402064
Denham Bramwell’s new Albany office provides legal services to the fast-growing Business North Harbour community and local residents.
We offer specialist services in property law, family law, estates, wills & trusts, dispute resolution, litigation, and commercial and business law.
Are … View moreDenham Bramwell’s new Albany office provides legal services to the fast-growing Business North Harbour community and local residents.
We offer specialist services in property law, family law, estates, wills & trusts, dispute resolution, litigation, and commercial and business law.
Are you looking for expert legal advice, and the best possible legal outcomes? If you want to work with lawyers with deep respect and genuine care for their clients, we might be a good fit for you.
Call 09 9856900 to schedule an appointment or visit us to discover more.
Brooke Glasgow and Emma Boad
Denham Bramwell, Albany Office Partners.
🎤 July 1 brings a raft of changes to the finance and property market:
Bright-line Test:
✅ Now 2yrs (previously up to 10yrs).
Deposit Requirements:
✅ 30% deposit for investment properties (previously 35%).
… View more🎤 July 1 brings a raft of changes to the finance and property market:
Bright-line Test:
✅ Now 2yrs (previously up to 10yrs).
Deposit Requirements:
✅ 30% deposit for investment properties (previously 35%).
✅ 20% lending available for low deposit properties (previously 15%).
Debt-to-Income (DTI) Ratios:
➖ DTI ratio restricted to 6 x for owner-occupier lending (20% exception).
➖ DTI ratio restricted to 7 x for investor lending (20% exception).
Credit Contracts and Consumer Finance Act (CCCFA) Reforms:
✅ Commerce Minister Andrew Bayly and Housing Minister Chris Bishop said the government is revoking 11 pages of what it calls "overly prescriptive affordability regulations."
These changes should stimulate activity in the finance and property market, contact adviceHQ for independent financial advice to help you secure your future.
#adviceHQ #DTI #LVR #CCCFA
Discover the key to a great night's sleep by finding the perfect mattress firmness. Learn how to choose between soft, medium, and firm options to enhance your sleep quality and boost your daily energy.
Let’s break it down into simple terms to help you make an informed decision that can … View moreDiscover the key to a great night's sleep by finding the perfect mattress firmness. Learn how to choose between soft, medium, and firm options to enhance your sleep quality and boost your daily energy.
Let’s break it down into simple terms to help you make an informed decision that can transform your sleep quality and, by extension, your daily energy levels.
Spinal Alignment and Support
One of the most critical aspects of mattress selection is the support it provides to your spine.
Firm mattresses are often recommended for back and stomach sleepers as they offer a stable support system that maintains natural spinal alignment. This reduces the risk of waking up with back pain or discomfort.
On the other hand, soft mattresses can be a haven for side sleepers. The extra “give” in a soft mattress accommodates the hips and shoulders, aligning the spine correctly when lying on your side.
However, it's not just about sleep position; weight also plays a role.
Heavier individuals might find that a firm mattress provides better support, preventing the feeling of sinking too deeply into the mattress, which can misalign the spine.
Conversely, lighter individuals may prefer the cushioning of a soft mattress.
Durability and Lifespan
Investing in a mattress is a significant decision, and understanding the longevity of your purchase is essential.
Typically, firm mattresses have a longer lifespan because they are less prone to sagging over time. The dense and tightly packed materials in a firm mattress resist the indentations that softer mattresses might develop, especially in areas under continuous pressure from body weight.
While providing luxurious comfort and excellent pressure relief, soft mattresses might require more frequent replacement if the materials start to compress and lose their supportive properties.
This is something to consider if you’re looking for a mattress that will maintain its comfort and support for many years.
Comfort, Pressure Relief, and Temperature Regulation
Soft mattresses excel at providing pressure relief, which is particularly beneficial for those with joint pain or conditions like arthritis.
The cushioning effect of a soft mattress cradles the body’s contours, reducing pressure points and promoting a more restful sleep.
However, temperature regulation is another vital factor to consider.
Firm mattresses typically facilitate better airflow around the body, staying cooler throughout the night. This can be a significant advantage if you tend to sleep hot.
Soft mattresses, due to their enveloping nature, might retain more body heat, potentially leading to discomfort for some sleepers.
Finding Your Perfect Match at Beds4U
Now that you know the differences between soft and firm mattresses, why not test them out for yourself?
At Beds4U, a trusted name across New Zealand, we're dedicated to helping every Kiwi find their perfect bed. Whether you crave the enveloping comfort of a soft mattress or the robust support of a firm one, our extensive range has something for everyone.
Whether you need the enveloping comfort of a soft mattress or the robust support of a firm one, our wide range includes options that cater to all preferences and needs.
Check out our collections for more.
Remember, your mattress choice will profoundly impact your sleep quality and, by extension, your overall well-being. Choose wisely, and enjoy a beautiful sleep every night!
Visit us in-store or online at Beds4U for more.
Find The Sleep Solution For You at Beds4U!
During this past month I have performed many repairs, small building and upgrading jobs in several homes on the North Shore, my area work base. I’m a Sole Charge operation, all discussion and quoting, project management and product purchase, then doing the work myself.
I have a fellow builder … View moreDuring this past month I have performed many repairs, small building and upgrading jobs in several homes on the North Shore, my area work base. I’m a Sole Charge operation, all discussion and quoting, project management and product purchase, then doing the work myself.
I have a fellow builder mate to help on some of my jobs, between us we have at least 90 years experience, not bad for 2 guys. I’ve been swinging a hammer for over 5o years and Mike 40 years.
I specialise in small jobs, all those little things that should be adjusted, repaired or replaced and you keep putting off, simply because you don’t know how or where to get your maintenance brought up to scratch.
Please realise it’s way more cost effective to keep up to date with your maintenance than leave it and find that the original problem has now helped wear out something else. Now you have more than one piece to be fixed and subsequently, you guessed it, the job will cost more.
I don’t charge for my first visit, yes, Free. We can discuss your maintenance job be it big or small.
Feel free to contact me.
bruceurlich1@gmail.com text or call Bruce 0212121480
Thanks to Google my website is broken.
This warming Hāngi recipe, created by Joy from Murray Halberg Village, serves six people with plenty of leftovers to enjoy the next day. Serve hot and enjoy with family or friends on a chilly winters night.
Click read more for the full recipe.
Does this sound familiar? Are you one of the kiwi families concerned about your future?
Call me to discuss your options.
#mortgagebrokernz #NZMortgages #NZMortgagesnz #mortgagenz #nzmortgages #mortgage
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