Howtoget ahomeloan
Mostpeopleneedtoborrow moneytobuytheirfirst home.Findouteverything youneedtoknowabout gettingahomeloan.
DianaClement
Mostpeopleneedtoborrowtobuyahome. Themortgage(alsoknownasahomeloan) combinedwithyourdepositmakeupthe purchasepriceoftheproperty.Inmostcases you’llneedtohave20%ofthepurchasepriceof thehousesavedasadepositbeforethehome loanapplicationprocessstarts.
Startingout
Howmuchyoucanborrowforahomeloan dependsonthesizeofyourdeposit.Ifyou’re buyinganexistingproperty,you’llusuallyneed a20%deposit.Forabrand-newhome,that percentagedropsto10%.Buyerswhoqualify forthegovernment’sFirstHomeLoanscheme onlyneeda5%deposit.
Thefirsthurdletopassforbuyersisthe bank’saffordabilitytest,whichconsiders whetherthesurplusleftoveronceyour expensesaredeductedfromyourincomeis sufficienttocovermortgagerepayments.
Homeloaneligibilitycriteria
When banks assess yourloan, theywant to
Featureproperty determineifyouareagoodrisktolendto. UndertheCreditContractsandConsumer FinanceAct(CCCFA),banksandother lendersmustlendresponsibly.Cuttingback yourspendingsixmonthspriortoapplying foramortgagecanhelpyourapplication considerably.
Ingeneral,yourhomeloaneligibilitywillbe assessedonthefollowing:
•Income
•Expenses(bothessentialandnon-essential)
•Consumerdebt(includingstudentloans)
•Yourcreditrecord
•Whetheryou’reacasualorpermanent employee,orself-employed Consumerdebt,includingstudentloans, reducestheamountyoucanborrowbecause anyrepaymentsaredeductedfromyour availableincome.Youshouldalwaysbeupfront withyourmortgageadviser(broker)orbank mortgagemanageraboutyourdebtswhen you’reapplyingforamortgage.
Ifyoudon’tqualifytoborrowfromabankor can’tgetasmuchasyouneed,thereareother options.
Youcoulddelayyourpurchase.Thatallows youtobuildupabiggerdepositand/orincrease yourincome,bothofwhichallowyoutoborrow more.
Asmallproportionofbuyerswhocan’t borrowfromthebankanddon’twanttowait borrowinsteadthrough“non-banklenders” suchasbuildingsocietiesandfinance companies.Amortgageadvisercanarrange this.Butthetrade-offisthatusuallyyou’llpay ahigherinterestrateforloansfromnon-bank lenders.
Mortgage/incomecalculatortools
Mortgagecalculatorscangiveyouanindication ofhowmuchyoumaybeeligibletoborrow. Mostbankshaveaffordabilitycalculators, whichcrunchyourincomeandspendingto determinehowmuchyoucancomfortablypay eachfortnightormonth.
Usefulresourcesinclude:
•Sorted.org.nz
•Westpachomeloanaffordabilitycalculator
•ASBaffordabilitycalculator
•BNZ affordability calculator
Unlessyouhavehundredsofthousandsofdollarsinyourbankaccount,you’llneedtogeta homeloantobuyahouse. Photo/GettyImages
•ANZborrowingcalculator
Howmuchshouldyoubeearningtopayoff yourmortgage?
There’snomagicsumyouneedtoearntobe eligibleforamortgage.It’slessabouthow muchyouearnandmoreaboutbeingprudent withyourfinances.
Thegeneralruleisthatyouwillneedtoearn sufficientmoneytocoverrepaymentsafteryour expenses.
Whenassessingyourabilitytopay,thebank willtakeintoaccountexpensesthatyoudidn’t havebeforebuying.Theyincludecouncilrates, maintenanceandhomeinsurance,whichis compulsoryifyouhaveamortgage.
Evenifitlookslikeyoucanaffordtoborrow, sometimesthebanksdecline.That’sbecause theydetermineaffordabilityusinga“testrate”, whichisseveralpercenthigherthantheactual interestrateyou’llpay.Thereasonforthisisthat thelenderwantstostress-testyourfinancesto ensureyoucanstillaffordtopayifmortgage ratesrise.
Differenttypesofhomeloans
There are different types ofhome loans The
mostcommononesare:
•Tableloans:Withtableloans,youpaya fixedamounteachfortnightormonth.Inthe beginning,mostofthepaymentisinterest, butasthebalanceslowlyreduces,agreater portionofyourpaymentsgoestopayoffthe capital.
•Revolvingcredithomeloan:Arevolving credithomeloanislikeagiantoverdraft.You saveinterestwhenyourwagesgointothe accounteachmonthbecauseitreducesthe outstandingbalance.Youneedtobevery disciplinedforthissortofhomeloantowork, butit’sanoptionforthosewhoarefinancially prudent.
•Reducingbalanceloans:Areducingloan issimilar,buthashigherrepaymentsatthe beginningbecauseyou’repayingmoreof thecapitalthanatableloan.Astheamount outstandingtothebankgoesdown,sotoo doestheinterestpaymentscomponent.
•Floatingversusfixedinterestrates:Aswellas choosingthemostappropriatetypeofhome loanforyourcircumstances,youalsoneedto considerfloatingversusfixedinterestrates. Afloating (variable) interest rate canrise or
RiversideLivingwithIconicTeMataViews SetontheeasternbanksoftheTukiTukiRiverwithinthe exclusiveRiversidedevelopment,thisexceptionalhome capturessweepingviewsacrosstherivervalley,surrounding vineyardsanduptoTeMataPeak.Designedtoembrace itssetting,expansiveglazing,Frenchdoorsandcovered outdoorlivingareascreateeffortlessindoor–outdoorflow. Theheartofthehomeisagenerousopen-planlivingspacewhere kitchen,diningandloungeconnectseamlessly,withsubtlezoning forentertainingandrelaxation.Thebeautifullyappointedkitchen featureshigh-endappliances,generousstorageandbenchspace, complementedbyabuilt-inbarandopenfire.Naturaltimber flooringrunsthroughout,addingwarmthandcohesiontothe contemporaryinterior.
Themainresidenceoffersthreespaciousdoublebedrooms,each withitsownen-suiteanddirectoutdooraccess.Theprimary suiteisatranquilretreatwithaluxuriousbathroomincluding freestandingbathanddualrainshowers.Aversatilefourthroom providesflexibilityasahomeoffice,singlebedroomorstorage. Outdoorlivingisequallyimpressive,withmultiplesheltered terracespositionedtocapturesunandstunningriverandvineyard views.Thelargesaltwaterswimmingpoolsitsperfectlywithinthe landscape.Separatefromthemainhome,thepoolhouseprovides flexibleguestaccommodationwithkitchenette,bathroomand concealedbed.
OneofHawke’sBay’smostsought-afterlifestyleaddresses, Riversideoffersprivacy,communityandproximitytoHavelock North,wineries,cycletrailsandOceanBeach,makingitidealasa privatehomeorpremiumholidayretreat.
ADDRESS: Lodge3Riverside,1308TukiTukiRoad,TukiTuki
FORSALE: PricebyNegotiation
WEBSITE: nzsothebysrealty.com/HBHN12149
MichaelLockAREINZ
M:0276749955
michael.lock@nzsir.com
DarrylBuckley M:0273163259
darryl.buckley@nzsir.com
EACHOFFICEISINDEPENDENTLYOWNEDANDOPERATED. SHBLIMITED(LICENSEDUNDERTHEREAA2008)MREINZ.
fallatanytime,affectingyourrepayments.A fixedinterestrate(foranywherebetweenoneand fiveyears)ensuresthattheinterestrateyoupayon yourloanisfixedfortheentiretyofthatperiod.The interestportionofyourrepaymentsdoesn’tchange untilthefixed-rateperiodexpires.
Acommontacticforhomebuyersistosplita mortgageovermorethanonefixed-rateterm,and tokeepaportiononafloatingrate,whichallows extrarepayments,payingdownthehomeloan faster.
Ifyou’reunsureaboutwhichhomeloanoptions arebestforyou,yourmortgageadviser(broker) ormobilemanagercanhelpidentifythemost appropriateforyourfinancialcircumstances.
Applyingforamortgage:Thehomeloan applicationprocess
Beforeyouapplyforahomeloan,you’llneedto getsomedocumentationtogether.Regardlessof whetheryou’regoingdirecttoabankasyourlender orgoingthroughamortgageadviseryou’regoing toneedthefollowing:
•Proofofincome
•Arecordofoutgoingsanddebts
•Evidenceofyourdeposit
•Bankstatementsfromthelastsixmonths
•AcopyofyourphotoID,and
•Proofofaddress.
Itcoststhesametocompletetheapplication withamortgageadviserorthebank’smobile lendingmanagerasdoingitonline.Theycan giveyouaclearpictureofwhattoexpectfrom yourlenderbeforeyousignthemortgage documentation.
Ifgoingdirectlytothebankratherthanviaa mortgageadviser,makesureyouaskthebank abouttheinterestrate,itsfees,yourabilitytomake changestoyourmortgageoncesetup,andwhat happensifyoubreakafixed-rateterm.
Youarenotlimitedtoborrowingfromyourown bank.Shoparound.Whencompetitionishigh betweenbanks,youcanoftennegotiatetheinterest ratedownorgettheloanapplicationfeesreduced. KiwiSaverFirstHomeWithdrawal
Ifyoualreadyhaveapropertylinedup,thenit’s agoodideatogetyourKiwiSaverwithdrawal applicationinatthistime.
Asaruleofthumb,FirstHomeWithdrawalcan take anywhere between20 days and fourweeks to
sortout.Sogetthepaperworktogetheratthesame timeaschoosingalender.Ifyou’reunsureabout theapplicationsrequiredforyoutoaccessyour KiwiSaverfundsforbuyingyourfirsthome,orifyou havequestionsaboutyourowneligibility,clickhere formoreinformation.
Howlongdoesapplyingforahomeloantake? Typicallyyouneed14daystothreeweeksfor thebanktoassessandapproveyourhomeloan application.Makecontactwiththebankor mortgageadvisermuchearlierthanthat.
Ifyou’reapplyingforahomeloanwhileyou’re self-employed,you’regoingtoneedthefollowing ontopofthestandardsupportingdocumentation: •Proofofincome(suchasyourbalancesheet profitandloss,orcashflowstatements) •IRDdocuments(GSTandIR4returns).
Itcansometimesbehardertogetamortgage ifyou’reself-employedbecausethestandard eligibilitycriteriaismoresuitedtoemployees.Ifyou don’tqualifyforahomeloanfromabank,mortgage adviserscanplaceyourbusinesswithalternative non-banklenders.Thatusuallycomesatthecostof ahigherinterestrate.
Mortgageadviserscanworkwithyoutopick themostappropriatealternativelenderforyour purchase.
Gettingpre-approvalforyourhomeloan Homebuyersoftenapplytogetpre-approvedbya banktogetanideaoftheirpotentialbuyingpower andpricerange.Thisgivesyoumoreconfidenceto shoparoundforaproperty.Itshowstorealestate agentsandvendorsthatyouareaseriousbuyer. Pre-approvalisanindicationofwhatyoucan borrowifthebankapprovesofthepropertyyou wanttobuy.Ifinterestratesrise,loan-to-value ratios(LVRs)andotherruleschange,oryou don’tmanagetosettlewithinthepre-approval period,youwillmostlikelyneedtoreapplyfor pre-approval.Thisissomethingtobeverywaryof ifbuyingatauction,goingunconditionalonany property,orbuyingoff-the-planwhenthebuild couldtakelongerthanexpected.
Contactamortgageadviseroryourlenderof choiceanddiscussyourcircumstanceswiththem. Theywillbeabletoassessyourmortgageeligibility andtellyouwhatthey’rewillingtolendyousubject toconditions.
Getting pre-approval costs nothing Nor does it
lockyouintothelender.
Whataboutusingamortgagebroker?
Bothbanks’mobilemortgagemanagersand independentmortgageadviserscangivefirst-home buyersagreatdealofhelp.
Theywillrunthroughissuessuchas:
•Educatingyouonmortgagebasics
•Guidingyouthroughthehomeloanapplication process
•Assistingyouwitheligibilityquestions
•Explainingthedifferenttypesofmortgages
•Advisingonfixedversusfloatingrates
•Helpingyoucompletethepaperwork
•Arrangingpre-approvalforfinance,and
•Othergeneraladvicesuchaswhathappensif youdefaultonrepayments.
Theadvantagesofusingamortgagebroker
Mortgageadvisersareago-between,workingon yourbehalf.Theycanadviseyouonhowtoimprove yourabilitytoborrow,shoparoundforyou,and negotiatewiththebanksandotherlenders.The serviceisfreeifyourmortgageisplacedwitha bank.Ifyoudon’tfitthebankcriteriaandborrow fromanon-banklender,youwillneedtopayafee forthis
ANEXCEPTIONALWAYTOLIVE Mortgageadvisersalsosaveonlegworkbecause theyknoweachbank’scriteria,andtheycanargue yourcaseifyourloanisborderline.Theycanalso negotiateconditionssuchasguarantees.Ifyou haveconsumerdebtthat’sstandinginyourwayof gettingamortgage,mortgageadviserscanhelp restructurethatdebtorgiveadviceaboutpayingit offfaster.
First-homebuyerscanfindthepurchaseprocess daunting.Havingamortgageadviserinyourcorner takessomeoftheuncertaintyout.They’reexperts intheirfieldandworkforyou.
Thingstokeepinmindwhengettingahomeloan
•Youcanonlyborrowasmuchasyourdeposit andincome/expenseswillallowyou
•Makesureyoubudgetinexpensessuchas councilrates,maintenanceandinsurance
•Mortgagemanagersandmortgageadviserscan helpyounavigatetheprocess
•Pre-approvalisn’taguaranteethatyoucan borrow.It’sanindicationandexpiresaftera periodoftime
•Self-employedapplicantsneedadditional documentationandmayhavetoconsider alternative lenders
Lifehereisdefinedbyspace,outlookandconnection totheoutdoors.
Setonapproximately2967sqmoffullyfencedgrounds,withCodeof Complianceissuedin2023,250MeeaneeRoaddeliversgenerouslyon lifestyleinamodern,carefullydesignedhome.Comfortable,refinedand considered,itoffersspaceandqualitywithouttheneedtotravelfurtherafield. Fromthemomentyouarrive,thescaleofthesettingisclear.Thegroundsare establishedandbeautifullymaintained,withmaturetreesattractingbirdlife andextensiveoutdoorlivingareasthatwraparoundthehome.Towardthe frontoftheproperty,awell-establishedcollectionoffruittreesprovidesa family-sizedorchard,addingbothcharmandeverydaypracticality.Kwila deckingandcoveredspacesprovidemultipleplacestoenjoythegreen outlookandoutdoorlivingthroughouttheyear.Inside,thesenseofscale continues.Approximately326sqmoffloorareaiscomplimentedbyhigh studceilingsandexcellentproportionsthroughout,creatingahomethat feelsspacious,lightandwellbalanced.Attentiontodetailisevidentwithout beingoverstated,fromtiledshowerswithunderfloorheatingtohandcrafted Moroccantilesinthekitchenandbutler’spantry,blendingpracticalitywith character.Thelayouthasbeenthoughtfullydesignedforrealfamilyliving.The masterwingsitsprivatelyatoneendofthehome,offeringspace,separation andastrongconnectiontotheoutdoors.Awalk-inrobeandbeautifully finishedensuitewithfreestandingbatharecomplimentedbylargeranch slidersopeningdirectlyfromthemastersuitetothedecking.Attheheartof thehome,themainkitchen,diningandlivingareaisexpansiveandfunctional, supportedbyasecondarylivingspacethatprovidesflexibilitywithout disconnection.Attheoppositeend,thefamilywingincludesthreedouble bedrooms,anotherwellproportionedandbeautifullyfinishedbathroom, andathirdlivingarea,againopeningdirectlytothewrap-arounddecking. 250MeeaneeRoadwillappealtobuyersseekingspaceandmodernity, withoutsteppingoutsidethecityorsteppingbackintime.Thereasonfor saleissimplyprogression.Theowner,alocalbuilderwhoconstructedthe homehimself,isnowreadytomoveontohisnextproject—creatingan opportunityforanewfamilytostepinandenjoythequalityandcarethathas goneintoeverydetailhere.
ADDRESS:250MEEANEEROAD,MEEANEE,NAPIER
SELLINGINFO: ENQUIRESOVER$1,899,999
W: WWW.BAYLEYS.CO.NZ/2803258
AGENTDETAILS: SARAHKNIGHTM:0277401774
E:SARAH.KNIGHT@BAYLEYS.CO.NZ
SIMONEIRWINM:02041511745
E:SIMONE.IRWIN@BAYLEYS.CO.NZ
Bankswillassessyourapplicationbasedonyourincome,expensesanddebts.
Photo/DougSherring
Mortgageesale–Wairoa lifestyleopportunity
Seton1.0509hectares(approx.2.6acres)justminutes fromWairoa,thispropertyoffersspacetorunafew sheep,chooks,gardens,andfruittrees.Enjoyaneasy commutetotown,withMahiabeaches30minutes awayandLakeWaikaremoanaaroundanhourfor fishingandhunting.Agreatentry-levellifestyle opportunity.Mortgageesale.Propertynotinspected byagent;roomdetailsunverified.Livethegoodlife! bayleys.co.nz/2753967
IntheheartofMahiatownshipandaneasystrolltothebeach,store,pubandfishingclub,thisclassickiwibachhas beenrefurbishedandisreadytoenjoy.Withreservebetweenyouandthesand,therearenoroadstocross–just packthechillybinandgo.
Setonagenerous911sqmsection,there’sroomfortheboat,extravehiclesandtents,plusadoublegarageforyour boat,fishinganddivegear.SeaglimpsesandviewsofMokotahiHillremindyouexactlywhereyouare.Soldfully furnishedandsurplustorequirements,makethisyoureasyEastCoastescape. bayleys.co.nz/2753948
10ReadsQuay,Gisborne View Sun12-12.30pmorbyappointment
KatieBowen 0274487115
katie.bowen@bayleys.co.nz
BOUSFIELDMACPHERSONLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008 AtrueMāhiaoriginal–renovated,furnishedandready!
Five bedroom lifestyle with grazing and hunting This 41ha property is located 23km from Bay View, with access just off the Napier–Taupo Highway Formerly the hub of a larger farming operation that has been subdivided off The property includes a range of farm infrastructure, including a large five bedroom homestead woolshed excellent cattle yards killing shed hen house implement shed and calf rearing shed Originally built in the 1960s the home was extended in 2004 and offers five bedrooms an office, three bathrooms and a double garage Aswimming pool added in 2004 complements the elevated setting, established trees and well developed gardens The grazing land is predominantly easy to medium contour and well suited to running sheep, cattle and horses Bush and gully areas provide the perfect habitat for red deer bayleys co nz/2854452
MORTGAGEE SALE This 8 8 hectare green kiwifruit orchard is located 13 kilometres east of Hastings near the coast at Clive There are approximately 6 5 canopy hectares of mature Hayward kiwifruit, double planted in an opposing configuration, which provides an opportunity to graft gold or red kiwifruit The hard structural work has been done here with heavy weight Ag Beam, end assemblies, posts, and a 95 kilowatt Perkins pumpset, which provides a suitable infrastructure to kickstart this kiwifruit opportunity This is a low altitude warm site with tile drainage Our vendor says sell so do not miss the opportunity to secure this green kiwifruit orchard which provides real opportunity including options to build a dwelling in this fantastic location Regraft or redevelop The choice is yours bayleys co nz/2854437
41 7ha
Auction 12pm, Fri 10 Apr 2026
15 Havelock Road, Havelock North View 3-3 30pm Sun 29 Mar & Sun 5 Apr or by appointment
Tony Rasmussen 027 429 2253
Chris Heenan 027 599 3527
EASTERN REALTY
8 8ha
Auction 12pm, Fri 10 Apr 2026
15 Havelock Road, Havelock North View by appointment
Tony Rasmussen 027 429 2253
tony rasmussen@bayleys co nz
Chris Heenan 027 599 3527
chris heenan@bayleys co nz
EASTERN REALTY LTD BAYLEYS LICENSED UNDER
ACT 2008
Lifestyle,locationandincome EnjoythebestofHawke’sBaylivingwiththis13.5halifestyleandcroppingproperty,perfectlypositionedbetween Napier,HastingsandHavelockNorth.LocatedjustminutesfromClive,approximately15minstoNapierandHawke’s BayAirport,thepropertyoffersruralprivacywhileremainingclosetowineries,beaches,farmers’marketsand excellentschools.Thetastefullyrenovated180sqmhomefeaturesopenplanliving,asecondloungeandthree generousbedrooms,setwellbackfromtheroadforprivacyandrelaxedfamilyliving.Adoublegarage,carport,hay shedandstorageshedprovidepracticalsupport,whiledomesticwaterissuppliedbyanartesianbore.Currently leasedforcropping,thehighqualitysoilsdeliverproductivereturnsalongsideanenviableHawke’sBaylifestyle. bayleys.co.nz/2854448
Private,stylishlivinginaprimelocation ConstructedinsolidOamarustone,thissmartandsecuresingle-levelhomeistuckedawayinaquiet,privatecul-desacwithinahighlydesirablelocation.Beautifullyrenovatedandmeticulouslymaintained,itofferseffortless,lowmaintenancelivinginasafeandpeacefulsetting. Double-glazed,thehomeboastsasunny,privateaspectandissetwithingorgeous,landscapedgrounds.Spacious andthoughtfullydesigned,theoutdoorareasincludeanexpansiveterraceandentertainingcourtyard.Attheheart ofthehome,theopen-plankitchen,dining,andlivingareafeaturesenviableindoor–outdoorflow. bayleys.co.nz/2854436
13.5ha 3 1 2
Tender Closing4pm,Tue21Apr2026
15HavelockRoad,HavelockNorth View 12.30-1pmSun29Mar&Sun5Apr orbyappointment
ChrisHeenan 0275993527
TonyRasmussen 0274292253
EASTERNREALTYLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008
3 1 2 1
Auction (unlesssoldprior) 12pm,Fri10Apr2026 15HavelockRoad,HavelockNorth View 1-1.30pmSun29Mar&Sun5Apr orbyappointment GretchenPaape 021988904 gretchen.paape@bayleys.co.nz EASTERNREALTYLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008
Artist's
Peacefulsetting,stuccowithcavitycladding SetinanelevatedpositionwithtranquilviewsacrosstheWoodfordHouseschoolgrounds,thisinvitinghomeenjoys apeaceful,leafyoutlookinaconvenientandestablishedlocation.Completedin2005,undertheupdated2004 buildingcodelegislation,thedetailedbuildingplansnotestuccoplastercladdingwithacavitysystemandtreated timberframing,offeringpeaceofmind.Theopenplankitchen,dining,andlivingareaformstheheartofthehome, withgardenviews,awindowseat,anddoorsthatextendthelivingspacetothepatio.Outdoors,privatesunny grounds,withlawnandbordergardens,provideawelcomingspacetorelaxandunwind,whileashelteredrear courtyardwithagardenshedandclotheslineareaenhancesconvenientliving. bayleys.co.nz/2854429
Lifestylelivingwithseriousshedding Lifestyle,sheds,space,andversatilitycombined.Awell-presentedpropertyinaconvenientruralsettingjustashort drivefromHastingsandHavelockNorthandPoukawaSchool.Thewell-maintainedhomehasbeenthoughtfully extendedovertimeandoffersthreedoublebedroomsplusanoffice,open-planlivinganddiningandaspacious kitchenthatflowsseamlesslytoalarge,covereddeck.Excellentsheddingandfacilities,includetwowellsetup workshopandstoragesheds,atwo-bayimplementshed,andaconverteddeershedwithstockhandlingyardsand load-outrace.Wellsubdivided,qualityfencingandlanewaytoyards.Withfuture-plansalreadyinplace,ourvendors arecommittedtoachievingaresult,creatinganopportunitytosecurethiswell-cared-forproperty. bayleys.co.nz/2854439
3 2 2 1
ForSalebyDeadlinePrivateTreaty (unlesssoldprior) 1pm,Wed15Apr2026
15HavelockRoad,HavelockNorth View 11-11.30amSun29Mar&Sun5Apr orbyappointment
GretchenPaape 021988904
EASTERNREALTYLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008
6.8ha 3 1 1
Auction (unlesssoldprior) 12pm,Fri24Apr2026 15HavelockRoad
HavelockNorth View 11-11.30amSun29Mar&Sun5Apr orbyappointment KrisAugust 0272489266 kris.august@bayleys.co.nz EASTERNREALTYLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008
‘TheWillows’-ignorepreviouspriceindication Withmagnificentruralandriverviews,‘TheWillows’sectionsofferarareopportunitytosecureoneoffivestunning ruralsitesrangingfrom7,000sqmto1.15ha,overlookingtheiconicTukiTukiRiverandenjoyingexpansiveviews acrossthepicturesquePatangataValley.Choosefromflatplotswithminimalpreparationrequiredorelevated, north-facingparcelsoverlookinglushfarmlandandserenelandscapes.Nestledinthevibrantruralcommunityof Patangata,enjoytranquilcountrylivingwitheasyaccesstonearbybeaches,therenownedPatangataTavern,and thelegendarytroutfishingwatersoftheTukiTukiRiver,just25minutessouthofHavelockNorthand10minutesto Waipawa—comeandseewhy‘TheWillows’istheperfectplacetocreateyournewlifestyle. bayleys.co.nz/2853783 NEW LISTING
TeManuirihomesteadandcottageon20.4hectares
LocatedintheOmakerecommunity,just33kilometreseastofWaipawa,this20.4hectare(moreorless)subdivision ofTeManuiriStation,includesthegrandfivebedroomhomestead,threebedroomcottageandstationbuildings. Thisrepresentsagreatrurallifestylewhichiswithin11kilometresofOmakereSchool.Stationinfrastructureincludes asixstandwoolshedwithsheepyards,threebayimplementshedwithalockableworkshop,andasetofdogmotels. Offeringplentyofspacetobringupthechildren,thisruralpropertycouldbeasteppingstoneintofarmingwith greatfacilities,oneasycontouredland.
bayleys.co.nz/2854445
7,000sqm
ForSalebyDeadlinePrivateTreaty 4pm,Wed22Apr2026
15HavelockRoad,HavelockNorth KrisAugust 0272489266
TimWynne-Lewis 0274889719
TonyRasmussen 0274292253
EASTERNREALTYLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008
Auction 12pm,Fri24Apr2026
15HavelockRoad,HavelockNorth View byappointment
TonyRasmussen 0274292253 tony.rasmussen@bayleys.co.nz
ChrisHeenan 0275993527 chris.heenan@bayleys.co.nz
EASTERNREALTYLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008
Patangata
MEEANEE 5KennyRd,120WillowbankAve,95EriksenRd
PrimeTeAwaDevelopmentOpportunityInThreeLots
Ararechancetosecure14.49ha(STS)ofpremiumlandinTe Awa,Napier,zonedGeneralResidentialandpositionedforlarge scaledevelopmentorlongtermlandbanking.Thisisoneofthe lastremainingblankcanvassitesofthisscaleinsuchastrategic coastalcitylocation.
Lot1–7.7396ha
•Novoflowdrained
•Smallsetofcattleyards
•Waterconsent100mmtoirrigate6.5ha
•Soiltype–Meeaneesiltloamonlagoonsediment Lot2–1.3hasubjecttosurvey
•Tiledrained
•Soiltype–Meeaneesiltloamonlagoonsediment
Lot3–5.2685ha
KeyHighlights
•GeneralResidentialzoningenablingsignificant developmentpotential
•PrimelocationwithinoneofNapiersfastestgrowing residentialcorridors
•Outstandingopportunityfordevelopers,investorsandland bankers
•Stronglongtermgrowthprofileinatightlyheldarea
WhyThisPropertyStandsOut:Thisisatruelargescale developmentplatform-rareinNapierandincreasinglyscarce acrossHawke’sBay.Withresidentialzoningalreadyinplaceand neighbouringdevelopmentsettingaclearprecedent,thepath forwardiscompelling.Whetheryourstrategyisimmediate subdivisionorlongtermhold,thissitedeliversexceptional upside.Earlyduediligenceisstronglyrecommended.
TENDER PlusGST(ifany) Willnotbesoldprior
Closes2.00pm,Thurs7MayPGGWrightson,Hastings VIEW ByAppointmentOnly
E gary.brooks@pggwrightson.co.nz
Acceleratingsuccess. Self-SufficientLifestyleinPuketapu 1156DartmoorRoad,Dartmoor
DeadlineSale closingWed22April2026at2.00pm(unlesssoldprior)
LandArea: 6.8560ha (moreorless) 3bedroomhome +guest accommodation
Puketapuandclose totown OpenHome: Sun29March 10.00-10.45am
Enjoymoderncountrylivingonthiswell-appointedproperty,justmomentsfromthevibrantPuketapucommunity.Themodernhomehas beenthoughtfullydesignedforeasyliving,featuringthreebedrooms,afamilybathroomandmasterwithensuite.Thelight-filledopen-plan kitchen,diningandlivingareasflowtospaciousoutdoorentertaining.Acomprehensivesolarpowersystemwithbatterybackupandgrid connectionhelpsfuture-proofthepropertywhilereducingpowercosts.Thegroundsarewellestablishedwithnativeplantings,vegetable gardensandanorchardarea,offeringarealsenseofself-sufficientliving.Additionalimprovementsincludemodernguestaccommodation withensuiteandheatpump,plusalarge3-bayworkshopwithconcretefloor.Thepropertyiswell-fencedwithstockhandlingfacilities.At approximately6.8hectares,thispropertyoffersamplespaceforgrazing,hobbiesorenjoyingtheruralsetting.Convenientlylocatednearthe riverandPuketapuamenitiesthispropertycombinesmodernliving,practicalinfrastructureandasuperbrurallifestylepackage.
colliers.co.nz/p-NZL67039382
Lot2,KopakiBayRoad, Puketapu
Area:9,732sqm Enquiriesover$500,000
JeremyKlingender 0212842483
Lot2,DartmoorRoad, Dartmoor
Area:5,089sqm Enquiriesover$450,000
HadleyBrown 0274423539
233SalisburyRoad, Maraekakako
Area:2.90ha
Enquiriesover$480,000
HadleyBrown 0274423539
1601KahuranakiRoad, HavelockNorth
Area:20.05ha
ByNegotiation+GST
JeremyKlingender 0212842483
Haveyoubeenthinkingaboutinvesting inyourownsliceofparadise?Whether you’replanningtobuildneworrelocate ahome,theseattractiveruralsections offerendlessopportunity.Withoptions closetotownandsurroundedby lifestyle,privacy,andnature,you’llbe surprisedhoweasyitistoturnyour dreamintoreality.
Lots1,2&4,Glengarry Road,Puketapu
Area:5,760–9,300sqm Enquiriesover$425,000
HadleyBrown 0274423539
Lot1,121AorangiRoad, Maraekakaho
Area:4,000sqm Enquiriesover$450,000
HadleyBrown 0274423539
Lot6,WhakapirauRoad, Maraekakaho
Area:6,045sqm Offersover$339,000
Lot3,KahuranakiRoad, HavelockNorth
Area:4,170sqm Enquiriesover$275,000
JeremyKlingender 0212842483
Lot3,1RichmondLane, Waipawa
Area:4,158sqm Enquiriesover$160,000
JeremyKlingender 0212842483
ArchitecturalLifestyleExcellence 179OhitiRoad,Crownthorpe
DeadlineSale closingThurs9April2026at2.00pm(unlesssoldprior) JeremyKlingender 0212842483 jeremy.klingender@colliers.com
7,545sqm (moreorless)
This384sqmarchitecturaldesignedhomepositionedona7,545sqmsection,offersanexceptionallifestylewithsweepingpanoramicviews acrossHawke’sBayandshowcasescontemporarydesign,highrakingceilings,generousopenplandesigntakinginthestunningvistasofTe MataPeak,HeretaungaPlainsandNapier.Solidplasteredblockconstructioncombineswithdoubleglazingtodeliverenduringcomfort.The layoutincludesfourgenerousbedroomsandthreebathrooms,complementedbyafullyselfcontainedbuilt-ingrannyflatidealforextended familyorguests.Spaciouslivingareasflowseamlesslyoutdoors,framedbymaturelandscapedgardensthatenhanceprivacyandoutlook. Additionalfeaturesincludeawinecellar,generousintegraldoublegaragewithinternalaccess,andalockablethreebayshedproviding excellentstorageorworkshopcapability.Withitsarchitecturalpedigree,robustcraftsmanship,andcommandingelevatedposition,this propertyrepresentsarareopportunitytosecureatrulydistinguishedlifestylehomeinoneofHawke’sBay’smostdesirablesettings.
Lot1,121AorangiRoad,Maraekakaho
ForSale Enquiriesover$450,000
SecureyourownpieceofruralHawke’sBaywiththis4000sqmlifestylesection,offeringspace,freedom,andconvenience.Withaflatcontour andnobuildingcovenants,youhavetheflexibilitytodesignandbuildexactlywhatyouwant–whetherit’syourdreamhome,amodern lifestyleretreat,orafutureinvestment.Thefullyfencedsiteprovidesclearboundariesandimmediateusability,whilepowerservicesnearby makethebuildingprocesseveneasier.Enjoygoodaccesstothepropertyandtakeinthepeacefulviewstothesurroundingranges,creating abeautifulruralbackdropforeverydayliving.ThesectionalsobenefitsfromitscloseproximitytotheNgarurororiver,perfectforthose whoenjoyoutdoorrecreationandtheHawke’sBaylifestyle.FamilieswillappreciatetheschoolbusservicetoMarakakahoSchool,whilethe locationplacesyouwithineasyreachoftheregion’srenownedwineries,cellardoors,andlocalbreweryexperiences.
colliers.co.nz/p-NZL67038978
Make your next move a Good
Move with Kirstin Daly-Taylor. Born and raised in Hawke’s Bay, Kirstin Daly-Taylor brings strong local knowledge and a genuine connection to the community she calls home With a 30-year background in education and former captain of the New Zealand Tall Ferns, she has spent decades working with people, families and communities and brings dedication, teamwork and energy to real estate Whether you are buying, selling or simply exploring your options, Kirst is key to unlocking your next move
Ready to get started? Chat to Kirstin today
Kirstin Daly-Taylor / 021 126 8118 / kirstin daly-taylor@tremains co nz
40AllensLane,Clive
3bed / 1bath / 3car / 982m2 land
TheSecretGarden Retreat PerfectlypositionedbetweenNapierandHastings,thishiddenhavenoffers thebestofbothworlds.Centralconveniencecombinedwithafeelingof serene,coastal-styleliving.Stepoffthebeatentrackandintoyourprivate oasis.Downanunassumingdriveway,atranquilretreatunfolds,feelinglike thehomeyou’vealwaysdreamedof.Wrappedinlushgreeneryand establishednativeplantings,thisgardenhideawayistheperfectproperty tocomehomeandunwindin.
3bed / 2bath / 967m2
DeadlineSale(unlesssoldprior)
DeadlineOfferson1April,2026at4:00pmatTremains, Hastings(unlesssoldprior)
View: Sun29th12pm-12:30pm
AliciaKennedy 0278281444 alicia.kennedy@tremains.co.nz
BeautifullyUpdatedCharacterforModernLife Blendingtimelesscharmwithmoderncomfort,thisbeautifullyupdated1910scharacterhomewasrelocated fromHardingeRoadin2014andenhancedwithnewcladding,wiring,roofing,pilesandanintegralgaragefor lastingpeaceofmind.Threegenerousbedroomsincludeaprimarywithen-suite,complementedbyamain bathroomwithshoweroverbath.
Thestunning2022kitchenconnectseffortlesslytothediningarea,withstackingdoorsopeningtoawest facingverandaandsunnycourtyard.Alight-filledloungewithhighstudflowstoaprivategardenwithfruit trees,vegetableboxesandagardenshed.Comfortisassuredwithdoubleglazing,heatpump,HRVand insulation.
Closetoarterialroutes,NapierBoys’,thegolfclubandMarineParade,thisthoughtfullymodernisedhomewill appealtodownsizers,couples,andfirsthomebuyers.ContactNickytodayformoreinformationortoarrange yourprivateviewing.
3 2 1362sqm
DEADLINESALE: Closes2:00p.m.Thursday9April 2026,(unlesssoldprior)
VIEW: nzsothebysrealty.com/HBNP1856
OpenHome:1:00-1:30p.m.Sunday29March2026 and1:00-1:30p.m.Sunday5April2026orviewby appointment
NICKYBERRY: M+642041122115 D +6468358399 nicky.berry@nzsir.com
HAVELOCKNORTH9BurburyRidge HighlyMotivatedVendorSaysSell 1913sqm Circumstanceshavechangedandthissectionisnowsurplustoourvendors’needs.Ithasthereforebeen broughttoAuctionwithclearinstructions-theyarereadytoseeitsold.Forbuyerssearchingfortheright placetobuildinHavelockNorth,thisisagenuineopportunity.
Nestledamonganenclaveofqualityhomes,thiselevatednorth-facingsiteenjoysall-daysunandapleasant outlook,providinganexcellentcanvasforyournewbuild.Whetherupsizing,downsizing,orstartingfresh,it offerstheflexibilitytodesignahomethatsuitsyourlifestyle.Muchofthegroundworkisalreadycomplete, withpowerandwateronsite,sewerageattheboundary,irrigation,establishedlandscaping,gas-liturns,anda reinforcedconcretedrivewayleadingtoanexistingcarport.
MinutesfromHavelockNorthvillage,withschools,wineries,dining,cycleways,expresswayandHawke’sBay Airportallwithineasyreach,thissiteisreadyforwhatcomesnext.Boundarylinesareindicativeonly.
AUCTION: 2:00p.m.Wednesday8April2026,NZSIR NapierOffice(unlesssoldprior)
VIEW: nzsothebysrealty.com/HBHN12248
OpenHome:11:45a.m.-12:15p.m.Sunday29March 2026and10:45-11:15a.m.Saturday4April2026or viewbyappointment
JACQUITAYLOR: M+64272387759 D +6468338950 jacqui.taylor@nzsir.com
DAKOTAGREGORY: M+64279650569
dakota.gregory@nzsir.com
HAVELOCKNORTH 63SimlaAvenue 4 2 21,533sqm
WelcometoYourPrivateTreehouse Sanctuary
Architecturallydesignedandcapacious,thishome connectsdeeplytothelandwhileremainingprivate, protective,andlight-filled.Elevatedamongnative treescapesalivewithbirdsong,itimmersesyouinthe canopy.Floor-to-ceilingglassandawrap-aroundbalcony createseamlessindoor-outdoorflow,whileearthytones andsubtlebohemian1960sstylingaddwarmthand character.
Thehomeincludesaretrokitchenanddiningarea,four bedrooms,twobathrooms,expansivelivingzones, separatelaundry,abundantstorage,doublecarport,and ampleparking.Outdoors,enjoyawaterfallpond,games hut,woodenshed,andrearreserveforprivacy.
Private.Earthy.Light-filled.Architectural.Anelevated lifestyleinHavelockNorth’smostsought-afterlocation. CallStevenowtoviewthisiconicproperty.
DEADLINESALE: Closes1:00p.m.Wednesday15April 2026,(unlesssoldprior)
VIEW: nzsothebysrealty.com/HBHN12371
OpenHome:1:00-1:30p.m.Sunday29March2026and 12:30-1:00p.m.Saturday4April2026orviewby appointment
STEVEBILL:M +64272734345
steve.bill@nzsir.com
Top-Performing Salesperson Q42025 I’mthrilledtoberecognisedforDigitalMarketingExcellenceinQuarter4 acrossallagentsandallsectorsforHawke’sBay,andevenmoreproudof whatthismeansformyclients.
FROMTRADEME
“WhatdoesthatmeanforyourclientsCaro?ListingwithCaroMeomeansyourpropertydoesn’tjust sitonthemarket-itdominatesit.AsarecipientoftheDigitalMarketingExcellenceawardforQ42025, Caroleveragesahigh-performancestrategythatdeliversresultsfarbeyondthestandardexperience. Caro’slistingsgenerate1.87xmoreengagementthantheHawke’sBayAverage,ensuringyourhomeis seenbythewidestpossiblepoolofactivebuyers.ChoosingCaroMeomeanschoosingnearlytwicethe visibilityforyourhome,backedbyaward-winningexpertise.
CongratulationsfromTradeMe.”
caro.meo.realestate/ CarolineMeo-RealEstate/+642102220387/caro.meo@nzsir.com
LocatedinMahiawithsweepingoceanandsand-duneviews,this much-lovedseasidehomecaptureseverythingthatmakesthe Peninsulasuchalegendarybeachescape.Thoughtfully upgraded,theupperlevelofferslight-filled,open-planliving completewithdoubleglazingandaneasy-goingcoastalvibe. Furtherfeaturesincludealargeboatshedandgaragingwithhigh eavesplusitsownbore.Thisistheultimatebeachdestination.
FORSALE: PriceByNegotiation
VIEW: nzsothebysrealty.com/HBNP1783
OpenHome:11:00-11:30a.m.Saturday4April2026orviewby appointment
JACQUITAYLOR:M +64272387759
jacqui.taylor@nzsir.com
MICHAELLOCKAREINZ:M +64276749955
michael.lock@nzsir.com
EscapetotheshoresofMahiaBeachwiththiscosybeachfront bachthatpromisesakiwibeachlifestyle.Neighbouringareserve andjuststepsfromyourdoor,thepristinesandsofMahiaBeach await,offeringaplaygroundforsafeswimming,surfing,fishing andboatlaunching.Whetheryou'reseekingapeacefulweekend getawayorapermanentsliceofparadise,thispropertyservesas theperfectbackdropforyourbeachsidedreams.
FORSALE: PriceByNegotiation
VIEW: nzsothebysrealty.com/HBNP1833
OpenHome:11:45a.m.-12:15p.m.Saturday4April2026orviewby appointment
JACQUITAYLOR:M +64272387759
jacqui.taylor@nzsir.com
MICHAELLOCKAREINZ:M +64276749955
michael.lock@nzsir.com
HomeandIncomewithPanoramicViews
Experiencelifestyle,privacyandprovenincomeinthis exceptionalproperty.Setonageneroussitewithsweeping PacificOceanviewsandgoldensunrises,everydayherefeels special.Themainresidencefeaturescathedralceilingsandopenplanliving,whileaself-containedone-bedroomcottageoperates asanAirbnb,bothenjoyingexpansiveoceanviews.Withapool anddoublegaraging,thisrarelifestyleopportunityisreadytobe yours.
FORSALE: PriceByNegotiation
VIEW: nzsothebysrealty.com/HBNP1714
OpenHome:2:15-2:45p.m.Saturday4April2026orviewby appointment
JACQUITAYLOR:M +64272387759
jacqui.taylor@nzsir.com
FitzroyHouse,abeautifullyrenovatedearly1900sgem. Featuresincludeagrandhallway,variouslivingareas,modern kitchen,Frenchdoorstoascenicdeck,stained-glasswindows andnativetimberpanels.Withfivebedroomsandanatticroom, thisflexiblehomeisperfectforafamilyorasanAirbnb.Located inasought-afterhillsidelocation,FitzroyHouseisamust-see property.
FORSALE: $1,450,000
VIEW: nzsothebysrealty.com/HBNP1292
OpenHome:2:00-2:30p.m.Sunday29March2026and12:0012:30p.m.Saturday4April2026orviewbyappointment
JACQUITAYLOR:M +64272387759
jacqui.taylor@nzsir.com
Whateveryou’relookingforinyournewhome,you’llfinditatOneRoof. Withthousandsofpropertylistingsrightacrossthecountry, there’ssuretobeonetogiveyourheartto.
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