Is it better to sell before you buy?
Selling your home first, then looking for a new one is less stressful and risky than buying and selling at the same time.
Selling first means you have freed up any equity and have a good idea of your budget for your next home. You’re also a cash buyer and will have an advantage over anyone who is making an offer conditional on selling their own property. If you can negotiate a long settlement period when you sell, you’ll have more time to find your next property without having to rent or move twice.
Renting or storing belongings between moving out of one home and into another will add to your costs. It may also be time consuming finding and moving to temporary accommodation and potentially disruptive, especially for children.
If you’ve already found your next home and need to sell your current home to finance it, you can make your offer to buy conditional on selling your home. If the seller accepts your offer with that condition, you’ll have time to sell your home within the time-frame set out in the condition. Sellers are likely to find unconditional offers more attractive, so consider this before deciding whether to sell your own home first.
You can talk to your bank or lender about bridging finance, which is a short-term home loan that can help you purchase a new property before your existing home is sold. There is a risk of more bridging finance debt than you planned if your sale takes longer than expected or if you get less than you hoped when you sell your house. If it takes longer to sell your existing home than expected, you may find yourself owning two properties for a while with the associated home loan, insurance and rates costs to pay.
Poll: Should drivers retake the theory test every 10 years?
Drivers get where they need to go, but sometimes it seems that we are all abiding by different road rules (for example, the varying ways drivers indicate around a roundabout).
Do you think drivers should be required to take a quick driving theory test every 10 years?
Vote in the poll and share any road rules that you've seen bent! 😱
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49.7% Yes
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48.4% No
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1.9% Other - I'll share below
Tai Chi October - December 2024
Hi, I'm Andrew Hardwick, Tai Chi Instructor and member of NZ National Tai Chi Chuan Association Incorporated (NZNTCCA). The name of my wellness-focussed Tai Chi class is Not Strictly Tai Chi. The quirky name is a humorous twist on the name of shows like "Strictly Come Dancing", and from the fact that (a) I'm not strict and (b) If I see an exercise I think would provide a health benefit to my Tai Chi students, I will add it to my class offerings.
My Upper Hutt venue is Te Kupenga o Rongomai - Maidstone Sports Hub. Classes are in school term times only, and are open to all ages.
So far in 2024 we've had ages ranging from Mums attending while their kids are at school, through to retired people looking for healthy exercise.
No experience necessary. Experienced and beginners equally welcome
School Term 4 classes will be on the following dates
Wednesday evenings, from 7pm - 8pm
October 16th
October 23rd
October 30th
November 6th
November 13th
November 20th
November 27th
December 4th
December 11th
December 18th
Thursday mornings, from 10am - 11am
October 17th
October 24th
October 31st
November 7th
November 14th
November 21st
November 28th
December 5th
December 12th
December 19th
Enquiries welcome on 021 153 2508
Andrew Hardwick - Tai Chi Instructor
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I am lighter than air, but a hundred people cannot lift me. What am I?
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