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Loan Market

Climbing the Property ladder?


It’s right up there as one of the most important moves you’ll make in your life. Little wonder that buying a home – whether it’s your first home or your fifth – can be highly stressful, especially when you’re not sure if you’re making the right moves to get the best deal.

 

Loan Market

 

Based right here in Christchurch, the Nathan Miglani team is passionate about helping Canterbury people take the right steps to achieve the outcomes they’re looking for while protecting their financial wellbeing – now and in the future.  As experienced mortgage brokers (Nathan is the number-one mortgage adviser for Loan Market in the South Island), the company has the expertise to help customers from all walks of life. It has helped hundreds of young couples achieve the dream of purchasing their first home.

From KiwiSaver and the HomeStart grant to lawyers, building inspections and insurance, buying a home for the first time can be overwhelming, so the Nathan Miglani team works right alongside home buyers to help them through the process, from working out a budget and saving for a deposit, right through to liaising with the solicitors to ensure settlement goes smoothly.

Getting onto the property ladder and buying a home can start to set you up financially for the future you’ve dreamed of – but once you’re on the ladder you’ve got so much more to protect. So, when it comes to selling and buying again, it’s even more important to get the right advice, especially if you have a young family to consider.

When life gets more complicated, with children, a business, marriage or separation, you need a plan that doesn’t just work for you now but will fit your evolving needs for the years to come. Simply finding the lowest interest rate is not necessarily going to give you the best outcome. That’s why the team takes the time to get to know you; not just securing a mortgage, but working out a plan to meet your future financial goals.

And after they have helped you with your mortgage, they can help you with everything else: investment property, business, vehicle or debt consolidation. Like bankers in the good old days, Loan Market is there whenever you have a financial query – just pick up the phone and call. Every member of the team has a strong banking background so you can be assured you’re getting the right advice every time.

Client Care Manager, Teresa, has been in the banking industry for 27 years. Together with Client Experience Assistant Rebecca, she will work closely with you to ensure you have the very best experience with no mistakes that could jeopardise your hard-earned money.

Think of this as the beginning of a lifelong partnership. When your daughter needs a loan to buy a car or you decide to start a new business, you’ll know exactly who to call!

 



 

Pegasus Bay Law

Five years of legal expertise: Pegasus Bay Law


For the past five years, Pegasus Bay Law has proudly provided clients in Christchurch and Kaiapoi with trusted, professional legal services.

 

Pegasus Bay Law

 

Celebrating its anniversary in January, the team took the time to reflect on the significant growth of the business, while also looking forward to what’s planned for the future.  With two offices – one at 327 Westminster Street, Christchurch and one at 97 Williams Street, Kaiapoi – Directors Pam Wheeler and Robyn Loversidge lead a team of solicitors and legal assistants who can attend to your legal requirements.

Staff are available in both offices for personal and small business client services, including residential sales and purchases, family law, wills and enduring powers of attorney, trusts and estates. On May 1, 2015, Pegasus Bay Law merged with long-established Christchurch law firm Thompson & Morgan and in July the same year, they acquired the business of Kaiapoi lawyer, Ian McNish.

Now well established in both locations, in the past year they’ve been joined by solicitors Jess Voysey, in the Christchurch office and Anneliese Muldoon, in the Kaiapoi office. Pegasus Bay Law offers a free, no obligation consultation to enable you to meet with a legal professional and chat about how they can assist you. If you cannot travel, they offer a mobile service and are happy to come to meet you at your home or workplace.

 


Phone the Christchurch office today on 03 386 2211, the Kaiapoi branch on 03 928 1215 and, for more information, visit
www.pegasusbaylaw.co.nz.


 

Peter Eastmure

Easy Access to Business Advice: Eastmure and Associates


Every commercial enterprise is two sides of a coin: heads – the product or service that you, the proud owner, are passionate about bringing to the market, and tails – the business side of your business.

 

Peter Eastmure
Peter Eastmure of Eastmure and Associates

 

Owner Peter Eastmure of Eastmure and Associates understands that not every owner enjoys or even fully understands the backroom side of their endeavours – the cashflow, overheads, obligations to IRD and ACC, insurances, employment agreements and health and safety – that are unavoidable but take up so much time. So Eastmure and Associates has built its business on offering a wrap-around taxation and business advisory service to help your business be the best it can be.

Peter says the goal is to help clients improve the value of their business and to become a trusted advisor, “after all, a business is often its owner’s biggest asset, paying the mortgage and financing the family. It needs to be protected and grown.”

All clients receive a free ‘Business Health Check’: the figures are run through the business advisory software; comparisons are made, advice tendered on planning including succession planning along with advice on documentation, and discussions on the pros and cons of growth, maintenance, or retrenching the business.

“No company is too small or too big,” Peter says. “We have the resources to work with large and complex companies, and we are very happy to meet with anyone to discuss their situation.” The team of four staff are serious about making it easy for clients. Available seven days, Peter says, “in the moment when you need help, we’re right there at the end of the phone”.

 

The company doesn’t charge for emails or calls and, despite having clients all over New Zealand, the team never passes on travel costs. Handily located at Hazeldean Business Park in Addington, there is parking outside and Peter’s open-door policy means you can walk in without an appointment if you need to.

The emphasis is on valuing clients and, as a result, Eastmure is a magnet for those who have not received the attention that they should have from their previous consultants. This constant team has been working together for years and clients deal with the same person with each contact. “We build trust in our strong and ongoing relationships, we are relaxed, and easy to get hold of,” Peter says.

Working over a range of sectors, the team wants you to ask lots of questions so that you will end up knowing more about your business. “We turn numbers into knowledge,” Peter says. “We talk to clients, understand where they are at, we specialise in managing overheads and direct costs, identifying wastage, reducing costs. We ask what are your goals? What is stopping you achieving your goals? Then we look at possible options.”

 


For more information, visit
www.eastmure.co.nz.


 

Tabak Business Sales

Time for a Change? Tabak Business Sales


If you’re a small business owner you’ll understand exactly where investor Mark Cuban is coming from in saying a successful business “is not in the dreaming, it’s in the doing”.

 

Tabak Business Sales

 

The business year is full of doing and doing, and doing some more; often a summer holiday is the only breather you get to sit back, pause and reflect on the bigger picture. Are you still passionate about your business? What do you want to be doing in two to five years? Is it time for a change?

Tabak Business Sales understands that being in business has to be about more than just the bottom line and considering where the market is: it’s about passion and engagement; about being excited to get up in the morning to go to work. If your appetite for your enterprise has dulled a little recently, Damien Fahey and Sam Cherry, brokers at Tabak, are the people to see about the sale of your cherished business to a new and enthusiastic owner.

Damien says their process is comprehensive. “We assess the value of your business, write up a clear and very inclusive Information Memorandum for potential buyers, take buyers into due diligence and make the sale, occasionally in just a matter of weeks – but more often it can take 2-3 months.”

 

Tabak have statistics going back 15 years comparing assessed valuation with actual sale price, and are extremely proud that on average the sale price fell is within 5 percent of the valued price. “We always justify our valuations to the business owner by way of market and other data, and we never waste time bringing unreasonably low offers to our owners,” Sam says.

The Information Memorandum tells the fullest story possible. It sets out the history of the business, then examines the future, the business plan going forward and, “more importantly, the future opportunities for the business,” Sam says. “We aim to produce the best Information Memorandum you’ve ever seen and we can answer potential buyers’ questions, often without going back to the owner. Their role is to keep the business running smoothly, not to be concerned about the sale.”

 

Discretion and confidentiality are key: potential buyers sign a non-disclosure agreement (NDA) for each business, rather than relying on a blanket NDA over a period of years. “Eighty percent of the businesses we sell are through our database and we regard that as our intellectual property,” Sam says.

“We can sell a business before the whole world knows it is on the market, so privacy is protected for vendor and purchaser.” Sam and Damien will also meet off site and after hours to protect confidentiality. “It is part of what we do and who we are. We love helping people so we don’t mind it being a 24-hour service,” Damien says. “Our referrals come through satisfaction, our reputation is our hallmark, and we will only ever represent quality clients.”

 



 

Interior Design Style Choices

Interior Design Style Choices


Which choice is your pick?

 

Interior Design Style Choices

 

 

1. MODERN
Modern is a broad design term that typically refers to a home with clean, crisp lines and a simple colour palette that uses materials such as metal, glass or steel.
Modern designs use simplicity with their furnishing and accessory statements. Sleek is generally associated with the modern look along with simple and minimal accessories.

 

2. CONTEMPORARY
Modern and contemporary are two styles frequently used interchangeably. Contemporary is different from modern because it describes design based on the here and now.
The primary difference separating modern and contemporary design style is that modern is a strict interpretation of design that started in the 20th century. Contemporary design is more flowing with more curving lines.

 

3. TRADITIONAL
Traditional design style offers classic details, elegant furnishings, and an abundance of accessories. Traditional design is rooted with European flavour and offers depth, layering and dimension within their design displays.

 

4. RUSTIC
Rustic design is drawn from being inspired by nature and uses raw and often unfinished elements including wood and stone.
Rustic design may incorporate accessories from the outdoors with warmth resonating from the design. Architectural details may include features like vaulted ceilings with wood beams or wood floors.

 

5. HOLLYWOOD GLAM
Hollywood Glam is a design style that tends to be luxurious, over-the-top and opulent. It’s a dramatic design style, perfect for a homeowner who enjoys making a statement.

 



 

Joe Laing

Creating happiness: Joe Laing Mike Pero Real Estate


“There are two things in particular that I enjoy about having a career in real estate,” says Joe Laing, sales consultant and franchise owner with Mike Pero Real Estate.

 

Joe Laing

 

“That’s the diversity of the job – every day is different – and meeting and developing strong relationships with people. I really like seeing people happy, both vendors and buyers.”

Joe has definitely brought happiness to many clients and they have responded to his youthful, open, friendly, yet highly professional approach. In 2014 Joe was the recipient of the Mike Pero Salesperson of the Year Award and this year he was named the second top auction lister and the third top sales lister for the company nationwide. “I was delighted with this result because Mike Pero Real Estate has grown considerably since I first started in 2013 and there is so much more competition among the agents. I must be doing something right!”

Diversity features elsewhere in Joe’s life as well. Originally from Newcastle, England, he has lived in Canada, Australia and now New Zealand. He’s a father to a nine-month-old daughter, is an avid football fan playing regularly for a successful local team, and a lover of classic cars, especially old Fiats. And, as if all that was not sufficient variety, he is also a part owner of a central city café. “Everything I have done has introduced me to people from all walks of life and that has been immensely helpful for my career.”

 


You can contact Joe on 022 697 2388 or at joe.laing@mikepero.com.


 

Rentworks Property Management

Exceptional rental experience: Rentworks Property Management


Having worked for a number of years for other large property management companies, Brent Manderson and Steve Hawker decided recently that it was time to do something for themselves, to put their own stamp on the industry. That was how they came to purchase Rentworks Property Management.

 

Rentworks Property Management

 

“Christchurch’s rental market behaves in an unusual manner, quite unlike New Zealand’s other large cities,” say Brent and Steve, the new owners of the successful business. Given this unique environment, it is vital for rental property owners who engage a property management company to have confidence that the company understands the vagaries of the rental market. Between them Steve and Brent have extensive property management experience.

“Our emphasis for the business is on developing real and truly personal relationships with our owners and tenants. Not for us a corporate model of being hands-off and perhaps somewhat disconnected from the day to day property management process. We intend to be highly visible as owners working in the business every day. We invite people to drop in and see us and we certainly intend to meet with all our owners over the next few months.”

The duo know that the reason property owners employ a property manager is because they simply don’t have the time or often the knowledge to do this job themselves. “What we do is take the stress away. We handle the myriad of tasks that go with renting a property, from tenant selection and determining rental fees, ensuring rent is paid on time, and conducting regular maintenance inspections and reports.”

They know both sides of the business – as property managers and as investment property owners themselves.“We understand rental rates; we know the market and we know what it costs to run a rental property, so we are very well equipped to give owners advice about current market rates for their particular property. It is also our job to be up to date with any changes in legislation and regulations that might affect the rental property market and to ensure that our owners are made aware of their responsibilities.”

At present Rentworks employs two staff also highly experienced in property management. “We would like to grow the business and our staff, but that will definitely not be at the expense of our personal services levels. We believe we live in the best city in the country, and there is no other city with the capacity for growth long term that we see in Christchurch.”

 


For more information, visit 11/337 Harewood Road, Bishopdale, phone 03 359 0308 or

visit www.rentworks.net.nz.


 

Nathan Miglani

Mortgage Magic Makers: Nathan Miglani


The past four years have been a whirlwind,” says young, dynamic mortgage adviser Nathan Miglani. “I have achieved things I never even dreamed about eight years ago when I came to New Zealand from India as a student with practically no knowledge of English. I realised early on however, that in order to succeed here I needed to learn about and understand Kiwi culture and the way business is conducted in this country.”

 

Nathan Miglani

 

Nathan came to Christchurch to study business. His family owns a construction company in India and Nathan had always wanted to be involved in commerce and finance. “I got my first part-time job washing dishes in a restaurant. From there I moved on to working at McDonalds, then a petrol station and eventually landed a full-time sales position at Harvey Norman.”  It was while Nathan was working at Harvey Norman that he made the acquaintance of two prominent Christchurch businessmen; Bert Govan and Rob McCormack, who he says simply changed his life forever. “They told me I had a real talent for connecting with people and that I was wasted in sales. They advised me to look for work in the banking sector.”

Nathan explains that while he was at Harvey Norman a large part of his role was preparing finance applications for customers. “It may sound bizarre, but it was at this time that I fell madly in love with finance. So I took the advice I was given and successfully applied for a job with the ANZ. I spent nearly two years with the bank working in their home loan division. I loved the role. Most of all I loved being able to create finance solutions for clients and to help them into their first or their tenth home.”

Eventually Nathan decided it was time to set up his own mortgage broking and advisory business. “So many people told me the early days on my own would be horrible. It certainly wasn’t easy and I worked crazy hours to start with, but the clients came and I soon needed to have support from others.” Now Nathan has a team of five. “We are a family, all caring for each other and for our clients. We do want to expand over the next few years and become a household name for mortgages in Christchurch. We would like people to think of us first whether they need advice on buying their first home, managing their property portfolio or refinancing their mortgage.”

So from that first job washing dishes Nathan is now the top South Island franchise owner and mortgage broker for Loan Market, the biggest mortgage firm in New Zealand. “I bought my first home a few years ago and now also have an investment property portfolio, so I can give practical hands-on advice to my clients as to what will work best for them now and into the future.”

 



 

Smart Spaces

Smart Spaces


Thinking of investing in a smart home? Chances are you’re not looking to your plumbing. However, technology is playing an increasingly important role in this space, whether your end game is improving comfort and value, creating a healthier home or lowering your environmental impact.

 

Smart Spaces

 

Comfort and value
Stream live music to your shower, or control lighting and water pressure through a digital interface. There are LEDs that light up the toilet bowl for night use, or even LED light rings in bathroom sinks that glow red or blue to indicate water temperature.

 

Healthy homes
‘Touchless technology’ can help avoid the spread of germs. Close the lid, flush the toilet and even wash your hands without having to touch germ-infested surfaces. Better yet, the toilet lid will automatically close, finally putting an end to the ongoing ‘seat up or down’ debate! Clever water filtration systems such as reverse osmosis filtration can even filter out contaminants from tap water.

 

Environmental impact
New smart dishwashers can recycle water from the rinse cycle for the next wash. Low-flow shower heads and faucet aerators can reduce your home water consumption as much as 50 percent, reducing water heating costs. Dual-flush toilets featuring two levers – one for urine and one for solid waste – and home automation technology that can shut off sprinkler systems based on weather reports are both popular water saving options.

Tankless water heaters provide hot water only as needed, using about 20 percent less energy than traditional storage methods. And, of course, the classic greywater system – re-using water that goes down the sink or shower drain for other purposes such as flushing the toilet – is another great innovation.

 



 

LINK Business Brokers

Ahead of the Pack: LINK Business Brokers


If you’re searching for new business opportunities, or selling an existing company, then LINK Business Brokers, are the people to call to get results.

 

LINK Business Brokers

 

It has multiple offices throughout the world – eight within New Zealand and a team of 14 sales specialists right here in the South Island.
Link understands the significance of buying or selling a business and takes great pride in managing the process, ensuring the utmost confidentiality and honesty. With international contacts and an extensive database of business buyers and sellers, it is an expert at bringing businesses and purchasers together.

The businesses for sale range from a large manufacturing firm to a small boutique café, but the end goal is always the same; ensuring businesses maximise their value and experience a smooth transition period. The Christchurch-based Link office has gone through its own transitional phase in the past year, when the franchise was bought back by the head office in August 2017. It has since implemented new management, processes and systems, and remains ahead of the pack, announcing record-breaking months in September and October.

Link Sales Manager (Christchurch/South Island) Katherine Shepherd, says the local branch was experiencing a “massive growth phase”.
“In certain businesses and certain industries, we’re finding ourselves in multi-offer situations at the moment.”
Since the changeover, it has focused on expanding the South Island team by welcoming four new brokers. This brings the total number of independent contractors in the South Island area to 14, covering Christchurch, Nelson/Marlborough, Dunedin, Wanaka and Queenstown.
Link is the largest business brokerage companies in the world, with offices in Australia, America and the Philippines.

 

“What it means to somebody who wants to sell their business,” explains Katherine, “is we have a wealth of networking… there’s over 100 Link business brokers throughout New Zealand, and we have a database of over 51,000 registered buyers nationwide.”  The role of a business broker is very much a “proactive” sales role, says Katherine, but they draw heavily on their business and financial expertise. For most brokers, they have had careers in banking, accounting, or are former business owners themselves looking for the next challenge.

“It’s a great option for those who have owned their own business, sold it and think, what do I want to do now? As a broker, you have flexibility to be able to do what you want, to a point, and it’s a niche industry.” Being part of an international business, means the Link brand is known throughout the world, and no matter where buyers are throughout the globe, they can search the website for more than 200 South Island listings.

“If we have a very specialist business we believe could potentially be (suited to) an off-shore buyer, or an acquisition for a business that’s not already existing in New Zealand, then we’ve got those contacts to get them in front of those people,” Katherine explains. “And, the luxury we have with a large team of brokers means they all have a specialist area. That could be because it’s the background they’ve been in, or because it’s a passion they have.

“It means we have a specialist in hospitality, franchising, manufacturing, importing, distributing…so it’s anything from a café to a transport franchise.”

 


Visit www.linkbusiness.co.nz for further information.