Bluebook Issue 80 | 11th August 2023

Page 1

Bluebook ISSUE80|11thAugust2023 MakeMe Yours OurFeaturedPropertyForThis Week|Page07 RefinancingYour Mortgage HowOftenShouldYouRefinance YourMortgage|Page14 TheTeamBehind YourPlace WeCelebrate30YearsInHuntly 15YearsInTK|Page03

Welcome

How time flies! It since Stan and Maureen Hickford opened the Harcourts Riverlands office in the Main Street of Huntly in 1993. They started off with a small team of four and watched as the company grew to encompass a much larger team and another office in Te Kauwhata in 2008. I joined the Riverlands team in 2001, fresh faced and eager to learn about all things real estate. I had a young family and my husband John supported me with this new career change. Time went on, I learned a lot and in 2008 John and I bought into the franchise with complete ownership transferring in 2012 less! Stan stayed on as Rural and Commercial Manager and encouragedusasthewecontinuedtogrowourRiverlandsteam.

Since 1993, there have been many changes in both technology and the real estate market but we have always embraced these changes. We have adapted our business to meet the cycles of the market and adopted new technologies as they become available to enhance our offerings toourclients andcustomers.Weareincrediblyproudofour teams, encouraging them through further education and providing the resources to support them as they adapt to the many changes in the industry and legislation. They are always willing to learn and in a testament to their dedication, Riverlands received the Rate My Agent Agency of the Year (2023) award and our strong property management team were the first property managers in New Zealand tobecomeREINZAccreditedPropertyManagers.

Riverlandsmaybearelatively smallcompanybutwearestillhere,30 years later, and have built strong ties within the communities. We appreciate all the support we have had and give back to the community whenever we can. We love our towns and have enjoyed 30 years of memories with the community that has welcomed Riverlandsintotheirhomes.

To Huntly and Te Kauwhata, from our family to yours lettingusbetheteambehindyourplace.

Yoursfaithfully, Dallas

Thisdocumenthasbeenpreparedtoassistsolelyinthemarketingofthisproperty.Whileallcarehasbeentakentoensuretheinformation providedhereiniscorrect,wedonottakeresponsibilityforanyinaccuracies.Accordinglyallinterestedpartiesshouldmaketheirown enquiriestoverifytheinformation.

harcourtsriverlands.co.nz 1

MeetTheTeam BehindYourPlace

Oursmallfriendlyteamscanmeetallyourpropertyrequirementswhetherthatberesidentialhomesorinvestment,commercial investment,lifestyleorruralproperties –buyingorselling.Wehavespecialiststaffwithextensivelocalknowledgeoperatingin allthesefieldsaswellasourcomprehensivePropertyManagementServicecomprisingthreepropertymanagersandaNew BusinessManager.Ourteamsaresupportedbyfriendlyadministrationstaff,stateofthearttechnologyandthewiderHarcourts network.

HUNTLYOFFICE

80MainStreet

riverlands@harcourts.co.nz

TaniaMcKinnon PropertyManager

M0275077650 nga.rentals@harcourts.co.nz

NaliniPathak PropertyManager

M0275077651 pm.huntly@harcourts.co.nz

LisaKeil PropertyManager

M0272211466 huntly.pm@harcourts.co.nz

StephenJones MortgageAdvisor

M0210424423 Stephen@mx.co.nz

VeronicaMoulden OfficeAdministrator tk.reception@harcourts.co.nz

ColinSherrard

LicensedSalesConsultant

REAA2008

M0272899811 colin.sherrard@harcourts.co.nz

MariaFinlay

LicensedSalesConsultant

REAA2008

M0279675134 maria.finlay@harcourts.co.nz

11/08/2023
18SmithAvenue 3FraserStreet 83HakanoaStreet 78RussellRoad 29CroftTerrace 15DudleyAvenue 21KimihiaRoad 125HarrisStreet 21JamesHenryCrescent 68RosserStreet 40PakiStreet E/14ManukaRoad 81HakanoaStreet 85KimihiaRoad 23CaesarRoosePlace 17HakanoaStreet 3RussellRoad A/23TamihanaAvenue

Huntly 3RussellRoad

MakeMeYours

Thiselevated1940sweatherboardhomeissetonagenerous 1012m2(approx)lowmaintenancesectionjustlookingforanew familytomakeittheirown.

Welcomingandwell-presented,thishomeconsistsof3spacious bedroomswiththemasterbedroomhavingitsownfullensuite! Themodernkitchenwillhaveyoudiggingouttherecipebook, whilethefree-standingfirewillkeepyoutoastiewarmuntilthe summermonthsarrive.

Oncesummerishere,theMitsubishiairconditionerwillkeepyou coolasyouenjoytheviewfromyourlivingroom.Tocompletethe package,aluminumwindows,singlegarageandlocatedinawell sortafterarea.

ClosetoKimihiaPrimarySchoolandashortwalktowonderful LakeHakanoa,thispropertyis amusttoview.

Taketheopportunitytosecureyourtimetoviewnow,callDawn Hibbs.

PriceByNegotiation View Byopenhome,appointmentoronline harcourtsriverlands.co.nz/HY4047

M0277470166P078288426 dawn.hibbs@harcourts.co.nz

7
DawnHibbs
Scantogoto onlinelisting 1012sqm 3 2 1 1 B C D E J

HuntlyA/23TamihanaAvenue

Hereisanopportunitytobuildyourdreamhomeandenjoy thebeautifulruralviews.This9349sqm(moreorless)section isonasought-afterstreetinaverypopularareaofHuntlyEast, nexttoKimihiaPrimarySchoolandclosetoLakeHakanoa. Addtothistheproximitytotheexpresswayinterchangesfor easeofgettingtoAucklandorHamilton.

Don'tmissout,giveMaryZhang0210710428acalltoday!

B

9349sqm

PriceByNegotiation

View Byappointmentoronline harcourtsriverlands.co.nz/HY4046

MaryZhang

M0210710428P078288426 mary.zhang@harcourts.co.nz

Scantogoto onlinelisting

Huntly17HakanoaStreet

Thischarming1970sbrickhome,situatedona708sqmfreehold estate,hasbeenrecentlyrevamped&offersbothstyleand functionality.Ithas3bedrooms,hobbyroom,astylishkitchenwith modernappliancesandbreakfastbar,plusaseparateloungewith heatpump.Thehomefeaturesanimmaculateinteriorwith plentyof storagespace,HRVventilationsystem,HRVwaterpurifiersystemand HRVVortexextractorfaninthebathroom.Basementgaragingwith largeworkshoparea.Thefullyfencedrearyardcomeswithplentiful fruittrees,arusticshed,spapool,fishponds&waterfeature.The propertyislocatedclosetotown,schooling,LakeHakanoaandthe railstation-offeringconvenienceandlifestylebenefits.

B C D E 2 J

708sqm 3 1 1

ForSale

$695,000

View

Byopenhome,appointmentoronline harcourtsriverlands.co.nz/HY4044

ShelleyMoffitt

M0297799018P078288426 shelley.moffitt@harcourts.co.nz

Scantogoto onlinelisting

11/08/2023 8

GlenAfton19GullyRoad

Setonanelevated,sunnysite,thischarmingcharactercottageisjustwaiting forsomeonetocomein&puttheirownstamponit.Featuring2bedrooms, plusanotherroomoffthelounge,theloungeissunny&spaciouswithaheat pump,plustheseparatediningroomhasawoodburner.Enjoytherural& bushviewsfromthespaciousfrontdeck.Atthebackofthehomeisthe kitchen,laundry&bathroom.Plentyofoutsidespacetoenjoy,which includesanewwatertank,fruittrees,&veggiegardens.Theextralarge garageisperfectforstoringallyourtools&toys,plusacoveredwood storageareaofftheside.Locatedjust15minsfromHuntly,or20minsfrom Ngaruawahia(approx),perfectforthoseseekingapeacefulcountrylife,yet nottoofarfromtown&cityconveniences!Othernearbyplacesofinterest include:TheGlenAftonHeritageRailway,Motocentral,WaingaroHotSprings &onlyapprox40minstoRaglan.

1204sqm 2 1 1

ForSale

$380,000

View

Byopenhome,appointmentoronline harcourtsriverlands.co.nz/HY4041 Scanto

LorrelMowles

Huntly23CaesarRoosePlace

Lookingtogetonthepropertyladderwhetheritbeinvestmentor yourOWNfirsthome?Thenwemayhaveatreatforyou!Builtaround 2005,thishomeofferslowmaintenancewithpallisidecladding& aluminiumjoinery.Tokeepthehousenice&dry -HRVventilation system&ifsecurityconscious,italsohasanalarm.Openplanliving coupledupwithafireplaceintheloungeprovidesgreatwarmth& circulationaroundthehouse.Plentyofroomforthevehiclesoutside withoff-streetparking&astand-alonedoublegarage.Situateddown acul-de-sacontheWestsideoftown,thispropertysitsona flat section&isfullyfenced.Currentlytenantedat$410/wkwhowould lovetostay.Goodnewstravelsfast...callmeShelleyMoffitt,today!

B C D E 2 J

685sqm 3 1 1

ForSale

$529,000

View

Byappointmentoronline harcourtsriverlands.co.nz/HY4037

harcourtsriverlands.co.nz 9
goto onlinelisting
M0211205166P078288426 lorrel.mowles@harcourts.co.nz B C D E 2 J
Scantogoto onlinelisting
M0297799018P078288426 shelley.moffitt@harcourts.co.nz ShelleyMoffitt

Huntly85KimihiaRoad

699sqm 3 1 1 B C D E 1 J

This1950shomeistheoriginal dwellingonthesite,wherethesection hassincebeensplit&andanewer homebuiltdowntheback.Itis freehold&HealthyHomescompliant. Thehousehas3bedrooms,a bathroomwithshower,separate toilet,&aseparateloungewithheat pump.Thesectionisapprox699sqm &includesasinglelock-upgarage. Thelocationiswalkingdistanceto KimihiaPrimarySchoolandLake Hakanoa.

ForSale$515,000

ViewByopenhome,appointmentor onlineharcourtsriverlands.co.nz/HY4040

ShelleyMoffitt

M0297799018P078288426 shelley.moffitt@harcourts.co.nz

Huntly81HakanoaStreet

690sqm 3 1 1 B C D E 2 J

Charminghomeownedbythecurrent ownerforthepast40years!Builtin the30sbutmodernised,itiswarm& invitingfeaturingopenplankitchen/ dining/living,cosyfireplace,heat pump,&insulationtop&bottom. Newcarpet,vinyl&anewroofhas beendoneinrecentyears.Spacious deck–partlycovered,extralinedshed &fencedbackyard.Situatednear schooling,LakeHakanoa&town–youwon’tbedisappointed!

ForSale$595,000

ViewByopenhome,appointmentor onlineharcourtsriverlands.co.nz/HY4038

ShelleyMoffitt

M0297799018P078288426 Shelley.moffitt@harcourts.co.nz

Huntly191HetheringtonRoad

StunningLAKEVIEWS!Easycare 2357sqmsection,Lockwood familyhome,openplanliving/ kitchen,heatpump&woodfire withwetback.Spaciouswrap arounddeck.Largedoublegarage +singlecarport.Popularrural location,onlyafewminstotown. Thisonewon’tlastlong!Book yourviewing.

Huntly40PakiStreet

Thiscosyweatherboardhomeis readyforit'snewowner.Featuring goodsizebedrooms,familybathroom &separatetoilet(whichhasbeen recentlyrenovated),separatekitchen/ diningarea,plustheloungewith fireplace,&frenchdoors.Plentyof potentialforimprovement,&toadd yourownstyle.Thesectionislow maintenance&spacious,witha garage.Locatedonlyashortwalk fromschools,localdairy&doctors. Currentlytenanted.

ForSale$675,000

ViewByopenhome,appointmentor onlineharcourtsriverlands.co.nz/HY4039

LorrelMowles

M0211205166P078288426 lorrel.mowles@harcourts.co.nz

ForSale$379,000

ViewByopenhome,appointmentor onlineharcourtsriverlands.co.nz/HY4031

LorrelMowles

M0211205166P078288426 lorrel.mowles@harcourts.co.nz

11/08/2023 10
Scantogoto onlinelisting 679sqm 3 1 1 B C D E 1 J
Scantogoto onlinelisting 2357sq 3 1 2 B C D J 1 K
Scantogoto onlinelisting
togoto onlinelisting
Scan

Huntly68RosserStreet

728sqm 3 1 1 B C D E 1 J

Re-energisedwithpassion,& pictureperfecttomovein&enjoy! ModernbathroomANDkitchen withlargebreakfastisland.Open planforeveryonetomingle.Easy accesstotherearcovereddeck. Bigbacklawn,singlegarage,fully fencedandgated.Protectedinthe subsidencezone.Easyflatstrollto parks,Hakanoalakeand walkways.Ownerismotivatedso don'tdelay!

ForSale$610,000

ViewByappointmentoronline harcourtsriverlands.co.nz/HY4035

ShelleyMoffitt

M0297799018P078288426 shelley.moffitt@harcourts.co.nz

Huntly21JamesHenryCrescent

ThisbrickhomeontheEastsideof Huntlyhasbeenrefreshedinmodern colours&ismove-inready.Ithasa spacious,fullyfencedsectionwitha largesinglegarageplusworkshop,& potentialforoutdoorentertaining. Thepropertyislocatedwithinwalking distancetoprimaryschools&the 4squaresuperette,&apark.Itisalsoa shortdriveintotheMainStreetorto theWaikatoExpressway.Currently tenanted&HealthyHomescompliant, IntheHuntlyEastSubsidenceZone andisnolongerprotected.

Huntly125HarrisStreet

Thisspaciousandcharminghome featuresanopenplankitchenand diningareawithamplebenchspace andstorage.Italsoincludesa Shacklockchipheater,woodburner, insulationtopandbottom,andafully fencedyard.Additionally,thereare twosizablebedrooms,aseparate roomattherearentrance,asingleexgarage,awood-shed,andaVersatile doublegarageconstructedaround 2015.Thehouseisconveniently locatedwitheasyaccesstoTeOhaaki RoadforcommutingNorth.

Huntly21KimihiaRoad

Revitalizedcharactercottagewith modernupdates,includingelegant hardwoodfloors,heatpump,& contemporarykitchenwithstainless steelappliances&elegantlight benchtops.2bathrooms.2bedrooms haveranch-slideraccesstothelarge, partlycovered,North-facingdeck. Fullyfencedwithhigh-fencingfor security&privacy,elevatedviewsto thenorth,&walk-roomunderthe housewithworkshop&plentyof storagespace.Closetoschooling& LakeHakanoa,&towncenter.

ForSale$489,000

ViewByopenhome,appointmentor onlineharcourtsriverlands.co.nz/HY4030

LorrelMowles

M0211205166P078288426 lorrel.mowles@harcourts.co.nz

ForSale$499,000

ViewByappointmentoronlineharcourtsriverlands.co.nz/HY4027

ShelleyMoffitt

M0297799018P078288426 shelley.moffitt@harcourts.co.nz

ForSale$629,000

ViewByappointmentoronline harcourtsriverlands.co.nz/HY4026

ShelleyMoffitt

M0297799018P078288426 shelley.moffitt@harcourts.co.nz

harcourtsriverlands.co.nz 11
Scantogoto onlinelisting 483sqm
B C D E
3 2 1
Scantogoto onlinelisting 840sqm 2 1 1 2
B C D E J
Scantogoto onlinelisting
672sqm 3 1 1 1 B C D E J
Scantogoto onlinelisting

Huntly15DudleyAvenue

1950sbrickhousewithcharacter featuressuchaswoodenjoinery& plaster.Roomsrepaintedandnew flooringadded.Diningandlounge offerelevatedviewsofthetown. Rumpusdownstairs,singlegarage withstorageroom,andtiered sectionwithpotentialforpoolor garden.Locatedinquietcul-desac,shortwalktotownand schools.ContactMaryZhangfor viewing.

PriceByNegotiation

ViewByappointmentoronline harcourtsriverlands.co.nz/HY4023

MaryZhang

M0210710428P078288426 mary.zhang@harcourts.co.nz

HuntlyE/14ManukaRoad

750sqm 5 3 2 2 B C D

Spaciousbrickhomebuiltin2015 withawell-thought-outlayout. Includestwo'wings':onewithopen planliving,dining,andkitchen,3 doublebedrooms,and2bathrooms, includingamasterwithensuite;the otherwith2bedrooms,abathroom, andalounge/rumpusareawith kitchenette.Includesaninternal accessdoublegaragewithlaundry. Sitsona750sqmfreeholdsection withhighfencing.Shortwalkto KimihiaPrimarySchoolandLake

Huntly29CroftTerrace

This3-levelhomeoffers3bedrooms, alargerumpus/familyroom,separate office,openplanloungewithwoodburner,modestkitchen,internal accessdoublegarage,andaluxurious familytiledbathroom.Thereisaflat lawnarea,playground,gardenshed, nativebushgardenwithboardwalk andpathways,pergola,fishbench, anddeckingwithlakeandruralviews. Itislocatedinaquietcul-de-sacnear LakeHakanoa,HuntlyPrimarySchool, andEarlyChildhoodCentres.

ForSale$850,000

ViewByappointmentoronlineharcourtsriverlands.co.nz/HY4019

ShelleyMoffitt

M0297799018P078288426 shelley.moffitt@harcourts.co.nz

ForSale$775,000

ViewByappointmentoronline harcourtsriverlands.co.nz/HY4036

ShelleyMoffitt

M0297799018P078288426 shelley.moffitt@harcourts.co.nz

Huntly83HakanoaStreet

Thisimmaculate&spaciousunitemits charmingstreetappeal&homeliness.The livingareaisverygenerousinsize&hasa wonderfulhomelyfeel,nottoforgetthe fireplacethisareaalsoopensoutviaa ranch-sliderontoapebbledcoveredpatio. Thelargebathroomoffersseparatebath, shower&newvanity.Complimentingthe homeisaninternalaccessgaragewith autodoor.Pictureperfectgardens,good fencing,aprivatecourtyard&gardenshed attherear.Allofthisissetonaneasycare, cornersection&ashortdistancetotown centre,pools,schooling,HakanoaLake, clubs&medicalcentre.

ForSale$529,000

ViewByappointmentoronline harcourtsriverlands.co.nz/HY4014

ShelleyMoffitt

M0297799018P078288426 shelley.moffitt@harcourts.co.nz

11/08/2023 12
Scantogoto onlinelisting
E J
Scantogoto onlinelisting 1/2share 852sqm 2 1 1 1 B C D E J
Scantogoto onlinelisting 1014sqm 3 1 1 2 B C D E J
Scantogoto onlinelisting 1216sqm 3 2 1 2 B C D I J

Huntly18SmithStreet

Thiswheelchairfriendlyhomehas5double bedrooms.Therearetwobedroomsanda bathroomandtoiletatoneendofthehouse andthenontheothersideofthecentrallounge, kitchenanddiningareaareanother3double bedroomsandanothertoiletandbathroom. Perfectforalargefamilyorperhapsflatmates thatwanttheirownspace.Twolargecontainers areincludedwiththispropertywithacarport betweenthemandthereisalsoanother2 gardenshedsforstorage.Thesectionisfully fencedfordogsorchildrenandisniceandflat. Closetokindergarten,schools,townandthe busandtrainstop.

Huntly78RussellRoad

Thispropertyisanentertainersdreamwiththe wowfactor.Allbedroomsopenontoadeck.In fact,thispropertyhas3decksthatthesunchases allday.Thekitchenisacook'sdreamwith2ovens &aceramiccooktop&italsohasgorgeousrural views.Thereisanamazingnightclubdownstairs withafantasticbarinculdinglights&asmoke machine.Entertainonthoserainydayswiththe coveredoutdoorcanopyareaoffthebasement. Thegardensaresomethingelse,withamazing summercolours.IncludedisabeautifulJapanese gardenwithcalmingtranquillightsthat&outdoor fire.Theownershavemeticulouslymaintainedthis property&arenowreadytomoveon&leaveitfor someoneelsetolove.

Huntly3FraserStreet

Thispropertyhasa4bedroom&a2bedroom homeallonafullyfenced,flatsection.Even thoughbothpropertieshavebeenmodernised recentlythereisstillplentyofroomtodomore &makeityours.The4bedroomhomecurrently hasatenantpaying$460pw&wouldloveto stayonrentingit&the2bedroomhashada rentalappraisalof$380pw.Sowithapotential returnover$800pwthisisagreatreturnforan investor.Thereareplentyofmaturefruittrees includingfeijoa,lime,lemon,pomegranate, banana,&agrapevine.Closetoschools,day care,shops,towncentre,busstop,&train station.

ForSale$599,000

ViewByappointmentoronline harcourtsriverlands.co.nz/HY4013

M0210710428P078288426 mary.zhang@harcourts.co.nz

ForSale$820,000

ViewByopenhome,appointmentor onlineharcourtsriverlands.co.nz/HY40011

MaryZhang

M0210710428P078288426 mary.zhang@harcourts.co.nz

ForSale$600,000

ViewByappointmentoronline harcourtsriverlands.co.nz/HY4006

MaryZhang

Scantogoto onlinelisting

M0210410428P078288426 mary.zhang@harcourts.co.nz

Ruawaro1025HetheringtonRoad

Locatedinapopularrurallocation,onlyapprox 13kmsfromHuntly.1980’shomewith2spacious openplanlivingareas,woodburnerwithwetback, heatpump,&HRV.Kitchen,diningarea& conservatoryhavepeacefulviewsoffarmland. Kitchenhasplentyofstoragewithalargepantry, rusticwoodenbenchtops.Atoneendofthehome wehave3bedrooms&afamilybathroom.Atthe other,thespaciousmasterbedroom,withwalkin wardrobe,&ownheatpump.Anotherbathroom withseparatetoilet.Potentialforyoutoaddyour ownstyleinside.Suncatchingdecksfront&back. Fullyfencedsection,withgardens,asmallorchard, &veggiegarden.Thelandincludesstockyards,a smallpond,&implementshed.

ForSale$950,000

Scantogoto onlinelisting

ViewByopenhome,appointmentor onlineharcourtsriverlands.co.nz/HY3996

LorrelMowles

M0211205166P078288426 lorrel.mowles@harcourts.co.nz

harcourtsriverlands.co.nz 13
Scantogoto onlinelisting
Scantogoto onlinelisting 740sqm 5 2 1 2 B C D E L 1336sqm 3 2 1 2 B C D E L 920sqm 6 2 2 2 B C D E L 4.7146ha 4 2 2 2 A C D E J
MaryZhang

HowOftenShouldYou RefinanceYourMortgage?

Mortgage refinancing is a strategic financial decision that can have a significant impact on a homeowner’s overall financial health. An understanding of when and how – as well as how often – to refinance the mortgage can lead to substantial savings and improved financial flexibility. Read on to find out why homeowners choose to refinance the mortgage and how often, how the refinancing process works, along with the pros andconsofmortgagerefinancinginNewZealand.

WhenToRefinance

Refinancing the mortgage can make sense in a few situations, and it’s helpful for homeowners to recognise when refinancing mightbesuitable.Somecommonsituationsinclude: Lower interest rates: If interest rates have dropped since you first took out your mortgage, refinancing to take advantage of lowerinterestratescouldresult insubstantialsavingsoninterest chargesandreducedrepaymentamounts.

Changing market conditions: If the housing market has improved and the value of your home has increased, you may have more equity in your home. In this instance it could make sense to refinance the mortgage for a better loan to value (LVR) andpotentiallyaccessimprovedinterestratesandloanterms. Changing lifestyle: Changestoyourlifestyle,includingmarriage or divorce or a new addition to the family, could signal an opportunity to refinance and adjust the mortgage to fit your new circumstances.

Release equity: Whetheryou’replanningtorenovateyourhome or pay for a necessary medical procedure, refinancing to access theequity inyourhomeandfreeupsomecash couldprovidethe fundsyouneedwhenyouneedthem.

Debt consolidation: Consolidatingallofyourdebt intooneloan – often at lower interest rates or improved terms – can make good financial sense. Not only does it simplify the repayment process, but it can help you pay back your debt faster by reducingtheamountofinterestyou’recharged.

Financial hardship: If you’re struggling to pay your mortgage –perhaps due to an illness or jobloss – refinancing your mortgage over a longer term will reduce your repayments and could help relievesomeofyourfinancialstress

HowToRefinanceAndHowOften

Forhomeowners considering mortgage refinancing, the question of how often to refinance is a common one. While reviewing the mortgageregularly–atleasteveryyear –isimportant,itmaynot alwaysmakesensetorefinance.

Additionally, refinancing usually involves some cost, so it’s always a good idea to weigh up the cost of refinancing against any potential savings, before deciding to move ahead and refinance.And getadvicefroma mortgageexpert –suchasthose

at Mortgage Express whetherornotmortgagerefinancingisrightforyou.

The refinancing process may seem daunting, but with the right guidance, it can be straightforward and rewarding. Here's a generaloverviewofthestepsinvolved:

Review your finances: Meet with a mortgage adviser who will help you assess your current financial situation, credit score and existingmortgagetodetermineisrefinancingisviable. Shop around and compare: Research various lenders and mortgage products to compare how your existing mortgage stacks up with regards to mortgage terms and interest rates. A mortgageadvisercanassistwiththisprocesstoo.

Prepare your paperwork: Gather together the necessary financialdocuments,includingproofofincome,bankstatements andanyotherrequiredinformationtoapplyforanewmortgage. Application and approval: Complete the mortgage application process with your preferred lender, who will evaluate your financialinformation,anduponapproval,providealoanoffer. Settle: Once you accept the loan offer, your new mortgage is finalised,andyourexistingmortgageispaidoff.

TheProsAndConsOfRefinancing

Before proceeding with refinancing, it's important to carefullyweighuptheadvantagesanddisadvantages:

Pros:

• Potentialcostsavingsthroughlowerinterestrates.

• Accesstohomeequityforvariouspurposes.

• Debtconsolidationsimplifiesrepayments.

• Flexibility toadjustloantermsaccordingtoyourfinancial goals.

Cons:

• Refinancingcostsandfees.

• Potential prepayment penalties on your existing mortgage.

• Lengthened loan term may increase the overall interest paid.

If you're unsure about whether refinancing is the right choice for you, contact a Mortgage Express branded mortgage adviser whose expertise can help you navigate the complexities of the process and find the most appropriate mortgage solution tosuityourneeds.

ThisarticlewasoriginallypublishedontheMortgageExpressBlog7thAugust2023

11/08/2023 14
5 Whites Way 15 Whites Way 45 Bittern Road (approx.) B/8 Cellar Close 29 Awanui Avenue 27, 29 & 75 Murray Ward Drive 22 Cabernet Court A/60 Orchard Road 6 Roto Street 29 Eccles Avenue 101 Vineyard Road

TeKauwhata 6RotoStreet

AUniqueFind!

Aperfectblendofspace,potential&convenienceawaitsintheheartofTe Kauwhata.Thishomeoffersanidyllicretreatforfamilies,downsizers,orinvestors alike,withampleroomforaboatorcamper.Thispropertywouldalsocaterforan extendedfamilywith5bedrooms,4bathrooms&1lounge.Themasterbedroom featuresanopenfire&anensuite,whilethe2ndbedroomalsoincludesitsown ensuiteforaddedconvenience,withatheotherbedroomsofferingthechoice betweenaprivateloungeoraprivatebedroomwithensuiteforaddedprivacy& comfort.Embracetheseamlessflowofanopenplankitchen,whereanew dishwasherensuresease&efficiencyinyourculinaryendeavours.Thekitchenis idealforentertaining,whiletheuniqueold-fashionedcoal-rangeaddscharacter& charm.Theabundanceofnaturallightinfusesawarm,welcomingatmosphere, perfectforcasualdining&livelyconversation.Thediningareaseamlesslyconnects toalargedeckarea,offeringaperfectstageformemorablegatherings,cherished momentswithfamily&friends.Thelushlawn,amplecarparking,alongwiththe doubleexternalgarage,provideaddedconvenience&security.ZonedforTe KauwhataPrimary,thispropertyisanideallocationforfamilieswithschool-aged children.Convenientlysituatednearavarietyofshops,amenities.Withitssecluded positionawayfromtheroad,thispropertyoffersapeacefulsuburbanlifestyle.For outdoorenthusiasts,thepropertyisalsoclosetotheWaikareGolfCourse,makingit aperfectspotforgolflovers.Toscheduleaprivateviewingoftheproperty,contact GerriColetoday.Don'tmissthechancetoseethisincredibleproperty!

983sqm 5 4 1 B C D E

ForSale

Enquiriesover$789,000

View

Byopenhome,appointmentoronline harcourtsriverlands.co.nz/TEK3375

GerriCole

M0277365130P078260010 gerri.cole@harcourts.co.nz

18
Scantogoto onlinelisting

TeKauwhata101VineyardRoad

LocatedinaprimeTeKauwhatalifestylesubdivision,thisattractive 6738m2(moreorless)bareblockwithaverygentlecontourtothenorth fromVineyardRoadprovidingasunnyenvironmentforyouandyour family.Withinminutesandeaseofaccessthemotorwayrampstoboth directionstoAuckland,Hamilton,andtowns.Yougetthebestofthe countrysideandcitysideatyourdoorstep.Thereisfibre,power,and councilruralwaterontheroadfence(noteruralwaterissuitableforthe likesofoutsidetaps,toilet,orstockwater).Comeandviewthisattractive bareblockandplanyourdreamhouseandlifestyle.Covenantsapply andareavailableonrequest.Seeyousoon.

TeKauwhata29EcclesAvenue

InthesereneTeKauwhatalocation,thisdelightfulLandmarkHomestands proudlyonagenerous764sqmsite,convenientlypositionedwithinwalking distancetothetowncentre.Illuminatedbyanabundanceofnaturallight,this invitingresidenceoffersagenerouslivingspacethatseamlesslyconnectsthe openplankitchen&diningarea.Themasterbedroomprovidesaretreatfor relaxation&privacywithawalk-in-robeandensuite,orperhapsyouwould prefertounwindwithanicehotbubblebathinthemainbathroom.Thefully fencedbackyardprovidesaprivateandsecuresetting,alongwithawealthof outdoorlivingamenities,includingalushlawn,gardenshedandacovered entertainmentarea.Thereisspaceaplentyforallthevehicles,withadouble garage,offstreetparking,ANDextraroomdownthesideofthehome!

6738sqm B

ForSale$578,000

ViewByopenhome,appointmentoronline harcourtsriverlands.co.nz/TEK3377

GerriCole

M0277365130P078260010 gerri.cole@harcourts.co.nz

ColinSherrard

M0272899811P078260010 colin.sherrard@harcourts.co.nz

764sqm 4 2 1 2 B C D E J

ForSale$870,000

ViewByopenhome,appointmentoronline harcourtsriverlands.co.nz/TEK3373

MariaFinlay

M0277365130P078260010 gerri.cole@harcourts.co.nz

harcourtsriverlands.co.nz 19
Scantogoto onlinelisting
Scantogoto onlinelisting

Waerenga601WaikereRoad

OntheshoresofLakeWaikareofapproximately3.3hectaresofflat landwithalonglakefrontagewithviewsoverlookingLake Waikare.Forthosewhoappreciatenaturalbeauty,afreshwater streammeandersacrossthepropertyintotheLake. Thereisanabundanceofwildlifewithareasofestablishedbush withtheopportunityalsotofishforfreshwaterkoicarp.Agreat opportunitytoownasmallblockofLakefrontagewithmany naturalfeatures.

PleasecallBrucetoarrangeaviewingofthisproperty.

3.3ha A

ForSale$1,150,000

ViewByappointmentoronline harcourtsriverlands.co.nz/TEK3372

BruceBaverstock

M0272814712P078260010 bruce.baverstock@xtra.co.nz

AmandaHarvey

M0274922996P078260010 amanda.harvey@harcourts.co.nz

TeKauwhataA/60OrchardRoad

AstunninghouseinTeKauwhataoffersseclusion,beauty,andstunningviews forfamiliestocreatelastingmemories.Thehomefeaturesanopenplan kitchenwithhigh-endappliances,adiningareaperfectforgatherings,alarge familylivingareawithamazingviews,andaformalloungeforrelaxation. Generousbedroomsincludeamasterwithensuiteandlargewalk-inwardrobe. Alargedeckedentertainingareaperfectforoutdoorliving,andatotalspan shedwithdrop-downpowerandlighting.Thelocationprovideseasyaccessto StateHighway1,Hamilton-Auckland,Thames,andtheCoromandel,aswellas thelocaltowncentre,supermarket,doctors,library,andgolfcourse.

B C D E J

6225sqm 5 2 2 2

ForSale$1,450,000

ViewByappointmentoronline harcourtsriverlands.co.nz/TEK3357

GerriCole

M0277365130P078260010 gerri.cole@harcourts.co.nz

11/08/2023 20
Scantogoto onlinelisting
Scantogoto onlinelisting

TeKauwhataA/21MahiRoad

Scantogoto onlinelisting 606sqm 4 2 1 2 B C D E J

ThisVersatilehomewouldbeinthefirsthome buyer’scategory.Boasting2bathrooms,open planliving,&aseparatedoublegarage.Justa stone’sthrowawayfromthelocalprimaryschool &afewminuteswalkintothetowncentre.Te Kauwhatahasexpandedovertheyears&is becomingmorepopularasthecommuteto AucklandorHamiltonhasbeenmadethatmuch easierwiththenewdevelopedmotorways.More peoplearewillingtomakethesacrificeofaquieter relaxedlifestyleastheyarehappytogetoutofthe hustle&bustleofthecity,butstillhaveallthe amenitiesweneed&desire.Ifyouarepreparedto putinalittlelove&attentiontomakethishome yoursthismightbethestartforyou.

ForSale$660,000

ViewByopenhome,appointmentor onlineharcourtsriverlands.co.nz/TEK3245

AmandaHarvey

M0274922996P078260010 amanda.harvey@harcourts.co.nz

M0272814712P078260010 bruce.baverstock@xtra.co.nz

TeKauwhata22CabernetCourt

Thisbeautifulhomeissituatedonalarge, fullyfenced900sqmsection.Itfeatures3 bedroomswithbuilt-inwardrobes,amaster bedroomwithawalk-in-robeandensuite, andmodernamenitiessuchasasmart ventilationsystem,doubleglazing,anda heatpump.Theopenplankitchenhas BOSCHappliances,andabreakfastbarwith alaminatefinish.Theoutdoorareaincludes agarden,kid’splaygym,firepit,anda vegetablegardenwithirrigation.Thehouse alsocomeswithamasterbuildguaranteefor thenext9years.

PriceByNegotiation

ViewByappointmentoronline harcourtsriverlands.co.nz/TEK3374

M0277365130P078260010 gerri.cole@harcourts.co.nz

TeKauwhata29AwanuiAvenue

Thismuchloved,veryhigh-qualityLandmark homeisveryelegant&beautifullywell-presented, nottomentionsituatedintheverypopularAwanui Avenue.Setinacommandingpositiononthe boundary,withaccess,tothe10thfairwayofthe verypopularWaikereGolfCourse.Entrancewitha beautifullightfeatureflowsintoamodern,open plankitchen&diningwithaseparateloungearea. ThisareafacesNorthwithanoutdoorseatingarea greatforentertainingwithviewsoverthegolf course.Thelovelygardensareveryinviting&a garagealongwithparkingonthedriveway providesplentyofspaceforcars.Thisisahigh-spec homeinthebestlocationyouwillfind.Trulya mustviewhome!

ForSale$1,350,000

Scantogoto onlinelisting

Scantogoto onlinelisting 900sqm 4 2 1 2 B C D E J 808sqm 4 2 1 3 B C D E J

ViewByappointmentoronlineharcourtsriverlands.co.nz/TEK3239

M0272814712P078260010 bruce.baverstock@xtra.co.nz

TeKauwhata29MurrayWardDrive

Anelevatedsectionwithgloriouslyexpansiveviews. Watchthesunriseintheeast&setinthewest.This sunsoakedsectionhasgreatviewsfromits elevatedposition,outacrossthesubdivisiontothe WaerengaHillstotheeast.Followthesunallday,& watchitsetinthewestovertheWaikereGolf Course.Theproperty'swesternboundaryborders the3rdhole,whichpresentsbeautifulviewsacross thegreens&fairways,&alsoacrosstothe clubhouse.Lessthana5minutedriveaway,a brandnewNewWorldsupermarket,library, medicalcentre&café'swillsatisfy.Furthermorethe localprimaryschool,college,sportscentre& communalswimmingpool.Lot13-DP523938

PriceByNegotiation

ViewByappointmentoronline harcourtsriverlands.co.nz/TEK3243

Scan

goto onlinelisting

M0277365130P078260010 gerri.cole@harcourts.co.nz

harcourtsriverlands.co.nz 21
GerriCole to
640sqmB
BruceBaverstock
BruceBaverstock
GerriCole

TeKauwhata27MurrayWardDrive

740sqmB

Beautifulelevatedandsunnysectionwith lovelyviews.TotheEastwatchthesunrise, andlookovertheentiresubdivisionand beyondtowardsLakeWaikareandthe surroundinghills.TotheWest,watchthe sunset,andlookoutdownthethirdfairway andoverthegreenstowardstheWaikare GolfClubhouse.Couldthesebethebest sectionsavailableinTeKauwhata? Boundarylinesareindicativeonly.

Lot12DP519197

PriceByNegotiation

ViewByappointmentoronline harcourtsriverlands.co.nz/TEK3242

GerriCole

M0277365130P078260010 gerri.cole@harcourts.co.nz

TeKauwhata10SaleyardRoad

Thisattractive3.2ha(moreorless)offlat, cleanlandoffersanopportunitytolive onaLifestyleblockthatcouldwellbein demandasthetowngrowsduetoits zoning.Developoroperateabusiness fromthissiteifthisisyourchoice. LocatedonthefringeofTeKauwhata towncentre,butstillveryprivate.

Agreatoptionforthosewithvisionor justlandbank.

PriceByNegotiationoffersover $990,000

ViewByappointmentoronline harcourtsriverlands.co.nz/TEK3238

ColinSherrard

M0272899811P078260010 colin.sherrard@harcourts.co.nz

GerriCole

M0277365130P078260010 gerri.cole@harcourts.co.nz

TeKauwhata75MurrayWardDrive

Scantogoto onlinelisting 600sqmB

Agreatopportunitytosecureararegolf coursefrontingsection.Northfacingforall daysun,withbeautifulviewsofthecourse. SwanRoadisanewhigh-qualitysubdivision situatedwithina2-minutedrive(15-minute walk)intotheheartofTeKauwhata,andonly 5minutes(approx.)tothemotorway.All servicesareinplaceandthesectionisfully fenced.

Allgenuineoffersconsidered.

FormoreinformationcontactGerriCole.

PriceByNegotiation

ViewByappointmentoronline harcourtsriverlands.co.nz/TEK3223

GerriCole

M0277365130P078260010 gerri.cole@harcourts.co.nz

RangiririB/8CellarClose

Scantogoto onlinelisting 7316sqmB

Elevatedlifestyleof7316sqmetresina verypopularnewsubdivisionofcellar close.Thecontourofthissectiongivesa purchasermanychoicestocreateand designahomeandgardensfittingtothe property.

Locationisidealwithinashortdriveto TeKauwhataVillagegolfcourse.Come andviewandseetheopportunitiesthis lifestyleoffers.

ForSale$598,000

ViewByappointmentoronline harcourtsriverlands.co.nz/TEK3222

AmandaHarvey

M0274922996P078260010 amanda.harvey@harcourts.co.nz

BruceBaverstock

M0272814712P078260010 bruce.baverstock@xtra.co.nz

11/08/2023 22
Scantogoto onlinelisting
togoto onlinelisting
3.2041ha 3 1 1 2 A C D E J
Scan

TeKauwhata45BitternRoad

EnjoyviewsofthesurroundinghillsandLake WaikareasyouentertheLakesidedevelopment-a tightknitcommunitywithacommercialhub comingsoon,andTeKauwhataPrimaryschool scheduledforrelocationinapprox.2024/2025.

Wellpositionedbrandnewbuildcomprising4 bedrooms,2ensuites,andastunningfamily bathroom.Openplankitchen,dining,andfamily areaplusaseparateformallounge.Double internalgaragewithlaundryarea.

Withinashortdrivetothelocaltownshipand amenities.

PriceByNegotiation

ViewByappointmentoronlineharcourtsriverlands.co.nz/TEK3299

GerriCole

M0277365130P078260010 gerri.cole@harcourts.co.nz

TeKauwhata15WhitesWay

Takeadvantageofthisrareopportunityto ownabrandnewfreeholdpropertysetona spacious510sqminthehighlysought-after TeKauwhatalocation.Withitsbreath-taking lakeviews,versatilelayout,formallounge, openplanliving,kitchen,abundanceof naturallight,ductedheatsystem,4 bedrooms,2bathrooms,separatetoilet, partiallyfencedlot,closetotowncentre,New Worldsupermarket,andinthezoneforTe KauwhataPrimarySchool,thisproperty offerstheperfectcombinationofcomfort andconvenienceforfamilies,investors, down-sizersorretirees.

PriceByNegotiation

ViewByappointmentoronlineharcourtsriverlands.co.nz/TEK3212

GerriCole

M0277365130P078260010 gerri.cole@harcourts.co.nz

TeKauwhata5WhitesWay

Takeadvantageofthisrareopportunityto ownabrandnewfreeholdpropertysetona spacious509sqminthehighlysought-after TeKauwhatalocation.Withitsbreath-taking lakeviews,versatilelayout,formallounge, openplanliving,kitchen,abundanceof naturallight,ductedheatsystem,4 bedrooms,2bathrooms,separatetoilet, partiallyfencedlot,closetotowncentre,New Worldsupermarket,andinthezoneforTe KauwhataPrimarySchool,thisproperty offerstheperfectcombinationofcomfort andconvenienceforfamilies,investors, down-sizersorretirees.

PriceByNegotiation

ViewByopenhome,appointmentor onlineharcourtsriverlands.co.nz/TEK3211

GerriCole

M0277365130P078260010 gerri.cole@harcourts.co.nz

Maramarua583KopukuRoad

Thisattractive,easilymanagedlifestyleproperty offersgreatspaceforthelargerfamilyorshared living.5bedroomsinall,madeupofthe4bedroomoriginalhome&theextensionofferinga guestsuiteorsemi-independentlivingwithitsown bedroom,bathroom,&smalllounge.Thegarageis currentlyusedasaworkshop&hobbyarea,while alargeshedoffersstorageforallthetoys.2small paddocksidealforasmallpony,sheep,orchooks. Averyquietlocationapprox.10km'soffSH2, makingThames,SouthAuckland,&Pukekohe easilyaccessible.ThegreaterWaikatoisn'tfaraway eitherwithTeKauwhatabeingonly24km'saway& thenewexpresswayextensionnowopen.

PriceByNegotiation

ViewByopenhome,appointmentor onlineharcourtsriverlands.co.nz/TEK3205

GerriCole

M0277365130P078260010 gerri.cole@harcourts.co.nz

ColinSherrard

M0272899811P078260010 colin.sherrard@harcourts.co.nz

23
Scantogoto onlinelisting
Scantogoto onlinelisting
Scantogoto onlinelisting
togoto onlinelisting 5243sqm 5 2 2 2 B C D E J 509sqm 4 2 2 2 B C D E J 510sqm 4 2 2 2 B C D E J 571sqm 4 3 2 2 B C D E J
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11/08/2023 24 VALUEDATOVER$1700! ONLINE/DIGITAL • Harcourtsriverlands.co.nz • Harcourts.co.nz • Realestate.co.nzSilverPackage • Oneroof.co.nz • SocialMediaExposure • e-Bluebook • ScreeninHuntlyOffice PRINT • BluebookMagazine • Chatter • QualityA4PropertyBooklet • Signboard • BacklitWindowCard • Flyers OTHER • ProfessionalPhotography • 3DWalkthrough(ifappropriate) • DroneVideo(ifappropriate) • AccesstotheExtensive HarcourtsNetwork&Client Database WhenyoulistSOLELYwithusyougetourextensivemarketing packagecompletelyFREE! Complimentary YOUR MARKETING

Huntly 109MainStreet

CommercialRetail

218sqmcentrallylocatedshopontheMainStreetofHuntly.Builtin thelate1970spredominatelya5.6mx32m(approx.)openspaceto developtoyourownrequirements.Anassettothisbuildingistwo toilets,oneofwhichisadisabilitytoilet.Entryfromthestreetis throughdoubleglassdoorswithrollerdoorprotectionwhen required.Entryattherearisthroughastandarddoorfromthecarpark andservicelane.Toogoodanopportunitytomiss,callStannow!

ForSale

$400,000PlusGST(ifany)

View

Byappointmentoronline harcourtsriverlands.co.nz/HY4025

StanHickfordAREINZ

P 078288426M0274952796

stan.hickford@harcourts.co.nz

harcourtsriverlands.co.nz 25
218sqm B

Huntly398GreatSouthRoad

PRICEREDUCED

Opportunityknockswiththisfullyequipped HotRoastbusinessthat'scometothe marketduetohealthreasons.Theownerhas presentedthepremisesandplantin excellentcondition,readyforthenewowner toopenandreapthebenefits.Thisbusiness isbeingsoldasplantonlybasisasno financialsareavailableduetothelengthof timethatithasbeenclosed.Thebusinessis withinaserviceareawithZServiceStation, KFC,McDonaldsandacoffeeshop.This couldbeyourchancetosetyourselfupin yourownbusiness.

ForSale

$78,000plusGST(ifany)

View

Byappointmentoronline harcourtsriverlands.co.nz/HY4007

StanHickfordAREINZ

P 078288426

M0274952796 stan.hickford@harcourts.co.nz

Huntly102MainStreet

240sqm B

Invest or be your own tenant. This 240sqm building has room for two tenancies. One space has been filled with a new 5 year lease and the other spaceisvacantafterbeingtenantedas offices up until recently, and easily converted back to retail space. With a potential return of $43000 plus outgoings, this is an attractive commercialinvestment.

ForSale

$525,000+GST(ifany)

View

Byappointmentoronline harcourtsriverlands.co.nz/HY4000

StanHickfordAREINZ

P 078288426

M0274952796 stan.hickford@harcourts.co.nz

Huntly127MainStreet

334sqm

Do you require central business districtbuildingwith100%National BuildingStandardrating?Thiscould be for you! Built in 1985 with total floorareaof334sqmcurrentlybeing tenantedbyANZthisbuildingwillbe availabletoyouasthenewtenantin top condition. Truly worthy of inspection.

ForLease

$40,000p.a+GST(ifany)

View

ByAppointmentorOnline harcourtsriverlands.co.nz/HY3928

StanHickfordAREINZ

P 078288426M0274952796 stan.hickford@harcourts.co.nz

HuntlyB/102MainStreet

240sqm

Centrally located shop/office space available for lease now. The previous tenant operated an office from this tenancy with two offices, large open spaceworkarea,verytidystafffacilities and two heatpumps to assist with maintaining a comfortable working environment. The space can easily be convertedbacktoaretailspace.

ForLease

$23,000p.a+GST(ifany)

View Byappointmentoronline harcourtsriverlands.co.nz/HY4009

StanHickfordAREINZ

P 078288426

M0274952796

stan.hickford@harcourts.co.nz

11/08/2023 26

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