PARENTS HELPING THEIR KIDS TO BUY THEIR FIRST HOME

PARENTS HELPING THEIR KIDS TO BUY THEIR FIRST HOME

Parents can be great mentors in financial management and there are several ways parents can help their kids to buy a home of their

Published In The Whakatane Beacon

10 May 2018
Releasing the Mortgage on your Property

Releasing the Mortgage on your Property

A “Mortgage” is the security that a borrower provides to a lender for a debt allowing the lender (eg bank) to sell the property in the event a default on a debt to that lender.  A

Published In Whakatane Beacon

29 March 2018
How do unstable markets affect us?

How do unstable markets affect us?

Financial markets do not like uncertainty or instability.  Being such a blip on the economic world stage NZ is strongly influenced by what the markets are doing overseas and economists get very

Published In The Whakatane Beacon

15 February 2018
PURCHASING A HOME OVER CHRISTMAS

PURCHASING A HOME OVER CHRISTMAS

With more time on our hands over the Christmas break there may be the temptation to put in an offer to purchase a new property if a new home was on the Christmas wish list.  However many

Published In The Whakatane Beacon

15 December 2017
Is refinancing the best option for you?

Is refinancing the best option for you?

As we enter the first week of December, it’s one of those times of year that many people will look at reviewing their financial situation to see if their bank is still the best option for them

Published In The Whakatane Beacon

7 December 2017
Home Equity Release loans

Home Equity Release loans

Home Equity Release (HER) loans are often negatively viewed but can be a viable and safe option for older people above the age of 60.    Retired clients who own their own home but have

Published In The Whakatane Beacon

30 November 2017
Dates and what they mean for your Sale and Purchase

Dates and what they mean for your Sale and Purchase

On a number of occasions over the years, clients have had issues with dates that have been put onto their contracts either when selling or buying property. This can be related to not knowing what

Published In The Whakatane Beacon

23 November 2017
Friday the 13th:  What could possibly go wrong with your purchase?

Friday the 13th: What could possibly go wrong with your purchase?

As today is one of those days that is feared by many superstitious types (Despite occurring two or three times a year), I thought it would be a good date to look at a few things that could go wrong

Published In The Whakatane Beacon

13 October 2017
CHANGING LENDERS

CHANGING LENDERS

Often clients come to us asking to refinance them from their existing lenders.  While there are good reasons for changing, caution needs to be taken and it needs to be identified if the change

Published In The Whakatane Beacon

6 October 2017
BUILDING PROJECTS

BUILDING PROJECTS

When considering a building project there will be many restrictions and obstacles to overcome when wanting to finance your build. Lenders perceive financing a building project to be a higher risk

Published In The Whakatane Beacon

29 September 2017
OVERSEAS RESIDENTS

OVERSEAS RESIDENTS

Reserve Bank restrictions and legislation have seen a significant change in lending options (from Banks) for NZ Citizens living or earning income from Overseas.  Previously if you were a NZ

Published In The Whakatane Beacon

14 September 2017
Buying from an Estate

Buying from an Estate

There are many ways of coming across properties to purchase, which are not always obtained through the most common processes of finding a property online or through Real Estate listings. Sometimes an

Published In The Whakatane Beacon

8 September 2017
Non-Bank lenders

Non-Bank lenders

With Loan to value ratio (LVR) restrictions imposed by the Reserve Bank and Banks moving away from aggressive pricing practices we have seen a surge in the use of Non-bank lenders.  What are the

Published In The Whakatane Beacon

1 September 2017
GETTING THE POWER OF A CASH BUYER

GETTING THE POWER OF A CASH BUYER

Many purchasers of property will have to borrow funds ie get a mortgage.  Yet the power of a cash buyer could mean that you may have the ability of getting your offer accepted over someone

Published In The Whakatane Beacon

17 August 2017
MASTERING THE CONDITIONS FOR YOUIR SALE & PURCHASE

MASTERING THE CONDITIONS FOR YOUIR SALE & PURCHASE

Recent client experiences in the current competitive housing market made us think it was a good time to write an article about the importance of wording on Sale & Purchase contracts when buying

Published In The Whakatane Beacon

11 August 2017
PRICING WITH LENDERS

PRICING WITH LENDERS

In the last few weeks we have seen mandates go out by all the banks saying that they will not be pricing loans as they previously have.  While mandates like this have gone out before, the

Published In The Whakatane Beacon

4 August 2017
Assumptions

Assumptions

When applying for a mortgage there are assumptions that people will make, however many of these assumption can ultimately end up causing financial and personal pain.  We thought we would address

Published In The Whakatane Beacon

21 July 2017
Clearing Confusion over Deposit Definitions

Clearing Confusion over Deposit Definitions

Recently a client putting together the terms of a contract to purchase a home came to us with a question regarding what was meant by the lawyers query regarding the deposit payment. As far as the

Published In The Whakatane Beacon

14 July 2017
Lenders Loan Affordability Tools- A Tale of Differing Calculations

Lenders Loan Affordability Tools- A Tale of Differing Calculations

Ever since banks were advised by Government legislation introduced in 2015 that they had to comply with “Prudent lending” guidelines, there has been a much stronger emphasis for

Published In Whakatane Beacon

14 June 2017
How to Strengthen Your Offer

How to Strengthen Your Offer

When purchasing a property the ideal situation is for you to be the only purchaser or the only one making an offer.  However with a lack of real estate stock many of our clients are having to go

Published In Whakatane Beacon

7 June 2017
Offset vs Revolving Credit

Offset vs Revolving Credit

With the “Offset” Home loan gaining momentum in popularity we thought it would be a good idea to review what it has to offer and how it differs from other loans.   A

Published In The Whakatane Beacon

26 May 2017
Kiwisaver and Homestart

Kiwisaver and Homestart

There are some major frustrations and misunderstandings surrounding Kiwisaver and Homestart and this article will attempt to clarify some major points on both these initiatives.    The

Published In Whakatane Beacon

5 May 2017
What Type of Valuation do you Need?

What Type of Valuation do you Need?

Recent news media has stated that there has been more stability in house pricing values, although growth in property values across the country is still continuing to rise. Certainly, locally the

Published In Whakatane Beacon

3 May 2017
Options to Ease Home Loan Payments

Options to Ease Home Loan Payments

With recent local flooding and storm events, many people have found themselves in a position where managing home loan repayments presents a challenge due to not being able to work for a period of

Published In Whakatane Beacon

19 April 2017
Changing Lenders

Changing Lenders

Often clients come to us asking to refinance them from their existing lenders.  While there can be good reasons for changing, caution needs to be taken to ensure you are indeed getting a

Published In Whakatane Beacon

29 March 2017
Accessing Home Loan Funds When Building

Accessing Home Loan Funds When Building

As suitable properties to purchase become harder to come by, more and more people are looking at the option of buying land and building their own home. Anybody who is looking to finance the

Published In Whakatane Beacon

24 March 2017
Changes to Home Loan Discounts & Fees for Property Investors

Changes to Home Loan Discounts & Fees for Property Investors

There has been a lot of discussion in the past few months regarding the Reserve Bank’s decisions impacting property investors who now require 40% equity on any rental investment purchase. This

Published In Whakatane Beacon

8 March 2017
STRUCTURE OF LENDING

STRUCTURE OF LENDING

With markets stabilising and the Reserve Bank indicating they won’t be lifting interest rates any time soon it is a good time to look at what the recommendations are for structuring mortgage

Published In Whakatane Beacon

8 March 2017
Parents Helping Their Kids To Buy Their First Home

Parents Helping Their Kids To Buy Their First Home

Parents can be great mentors in financial management and there are several ways parents can help their kids to buy a home of their own.   KIWISAVER: Parents can get their kids in to

Published In Whakatane Beacon

22 February 2017
Vendor Finance

Vendor Finance

With recent changes in lenders policies in relation to above 80% lending it’s important to think outside the square and look at ways in which purchasers are able to buy a home if they

Published In Whakatane Beacon

15 February 2017
Consolidating Debt as a Shortcut to Home Loan Affordability

Consolidating Debt as a Shortcut to Home Loan Affordability

As we take stock of the post-Christmas spending it is sometimes sobering to note the level of short term debt that has piled up. These debts such as Personal bank loans, Hire Purchase, Store and

Published In Whakatane Beacon

1 February 2017
Booking Interest Rates

Booking Interest Rates

If you are on a fixed interest rate and it is coming to the end of it’s term you have the choice to book another fixed rate or go on to a variable rate.  Going on to a floating interest

Published In Whakatane Beacon

21 December 2016
Pro's and Con's to Fixing or Floating your Home Loan

Pro's and Con's to Fixing or Floating your Home Loan

“Fixed or floating?  And if fixed for how long”.  This is probably the question that we are asked the most as mortgage advisers.  The usual response, “it totally

Published In Whakatane Beacon

7 December 2016
Movement on Interest Rates - Pricing

Movement on Interest Rates - Pricing

While the Reserve Bank continues to lower the Official Cash Rate (OCR) last week we saw 2 banks increase their fixed interest rates.  Does this signal the end of the lowest fixed rates that

Published In Whakatane Beacon

2 December 2016
When You Have Less Than a 10% Deposit

When You Have Less Than a 10% Deposit

With the Loan to Value Ratio (LVR) restrictions imposed by the Reserve Bank reducing the availability of funding for loans above 80% for owner occupied homes down to 10% of a lender (bank’s)

Published In Whakatane Beacon

21 November 2016
Buying at Mortgagee Auction

Buying at Mortgagee Auction

In recent times, auctions to generate the best price for vendors have become a very popular sales method. Buying at auction is a little different to a normal purchase in the fact that you

Published In Whakatane Beacon

28 September 2016
Expectations on Pricing on Loan Applications

Expectations on Pricing on Loan Applications

Up until a few months ago the pricings on new lending was, to say the least, getting out of hand.  Lenders were offering huge cash contributions, reduced interest rates and other incentives

Published In Whakatane Beacon

21 September 2016
Playing the Waiting Game for Your New Purchase

Playing the Waiting Game for Your New Purchase

For some time now, real estate agents have been crying out for properties to list for sale, leading to a shortage of available stock and leading to us experiencing a “seller’s

Published In Whakatane Beacon

14 September 2016
How to find out the true value of your home

How to find out the true value of your home

In the current buoyant housing market, we have seen an increase in properties being sold at or above the listed sale price. This has been driven by a lack of suitable housing stock in relation to

Published In Whakatane Beacon

1 September 2016
Loans for Rental Properties

Loans for Rental Properties

When borrowing to invest in rental properties it is prudent for Property Investors to structure their loan to maximise any tax benefits.   PURPOSE OF LOAN:  It is the purpose of

Published In Whakatane Beacon

24 August 2016
The Impending Rise of the Non-Bank Lender

The Impending Rise of the Non-Bank Lender

Home loan lending requirements have gone through a significant change with the introduction of the Reserve Banks LVR restrictions which come into effect on October 1st and with it will come a

Published In Whakatane Beacon

17 August 2016
Welcome Home Loan Changes May Benefit Eastern Bay First Home Buyers

Welcome Home Loan Changes May Benefit Eastern Bay First Home Buyers

This week, the Housing Minister Nick Smith announced changes to the Government backed Welcome Home Loan which may allow First Home Buyers to purchase a more suitable property in the current

Published In Whakatane Beacon

4 August 2016
New LVR Restrictions

New LVR Restrictions

In an effort to reign in house price inflation the Reserve Bank issued mandates to banks which are as follows 1) For owner occupied homes banks can have no more than 10% of their loan

Published In The Whakatane Beacon

27 July 2016
Big Mistakes

Big Mistakes

Big Mistakes   When making an offer to purchase a property where you need finance we are often scared of making a terrible and costly mistake.   Here are the top 10 most common

Published In Whakatane Beacon

19 July 2016
Wording on Sale and Purchase Agreements

Wording on Sale and Purchase Agreements

Wording on sale & purchase agreements   With the real estate market being so manic we are seeing a lot of clients wanting to make unconditional offers to secure their new

Published In Whakatane Beacon

13 July 2016
Finance for Relocatable Homes Not so Straight Forward

Finance for Relocatable Homes Not so Straight Forward

Recently, we have had a number of clients with home loan pre-approvals who have not been able to find a suitable property to purchase in their price range. An option that has been suggested for

Published In Whakatane Beacon

6 July 2016
Bank's Criteria is not always Created Equal

Bank's Criteria is not always Created Equal

You may think that all banks will look at home loan applications the same way, and the only difference between lenders comes down to interest rate pricing and the experience in the branch, but

Published In Whakatane Beacon

21 June 2016
How Much Should I Borrow

How Much Should I Borrow

When looking to buy a new home inevitably one of the first questions asked by clients is “how much CAN we borrow?”.  This information is used to work out what price bracket they

Published In Whakatane Beacon

1 June 2016
GIFTING TO HELP WITH HOME PURCHASES

GIFTING TO HELP WITH HOME PURCHASES

GIFTING TO HELP WITH HOME PURCHASES As house prices have increased in line with the demands of the current market, the opportunity to purchase their own property has been difficult for many

Published In Whakatane Beacon

19 May 2016
HOW DOES A MORTGAGE BROKER SAVE YOU MONEY?

HOW DOES A MORTGAGE BROKER SAVE YOU MONEY?

A mortgage broker has many uses to people who require finance when purchasing a property.   They can provide options, reduce stress and save a lot of time. If they didn’t they

Published In Whakatane Beacon

19 May 2016
LOAN TO VALUE RATIOS

LOAN TO VALUE RATIOS

There has been so much talk in the news about LVR (Loan to Vale Ratio) restrictions but exactly what is an LVR and how is it calculated and more importantly how does it effect what we can

Published In Whakatane Beacon

4 May 2016
LESSONS FROM MISTAKES PAST

LESSONS FROM MISTAKES PAST

With the recovery in the housing market property investors are more active now than they  have been since the boom of 2008.  We have noticed the reappearance of property investment

Published In Whakatane Beacon

29 April 2016
BUYING AND SELLING TO THE CONDITIONS

BUYING AND SELLING TO THE CONDITIONS

Recent client experiences in the current competitive housing market made us think it was a good time to write an article about the importance of wording on Sale & Purchase contracts when buying

Published In Whakatane Beacon

13 April 2016

Fixed or Floating Home Loan, What's Your best Option?

Home Loan borrowing in New Zealand differs from Australia and many countries around the world by the simple fact that the majority of mortgage loans (Around 80%) are on fixed rates while this

Published In Whakatane Beacon

15 March 2016

The Extra price of having a lower deposit

Last week, one of the major trading banks introduced new measures for those customers obtaining loans with less than a 20% deposit. The first thing that you may find surprising about that

Published In Whakatane Beacon

1 March 2016
OFFSET VS REVOLVING CREDIT

OFFSET VS REVOLVING CREDIT

With the “Offset” Home loan gaining momentum in popularity we thought it would be a good idea to review what it has to offer and how it differs from other loans.   A

Published In Whakatane Beacon

24 February 2016
The Sale & Purchase Contract

The Sale & Purchase Contract

Signing a sale & purchase agreement requires a commitment from the Vendor (to sell the property) and the Purchaser (to buy the property).  Yet sometimes the Purchaser may not be serious

Published In Whakatane Beacon

12 February 2016
INTERPRETING THE MARKETS

INTERPRETING THE MARKETS

Last week the Reserve Bank today reduced the Official Cash Rate (OCR) by 25 basis points to 2.5 percent.  The reasons for this relate to the weak economic growth globally and the softened NZ

Published In Whakatane Beacon

16 December 2015
Defining your deposit- some tips on timing

Defining your deposit- some tips on timing

With many of the recent news items and articles relating to the level of deposit required in order to purchase a property or obtain a top up on your loan, especially in relation to the Reserve

Published In Whakatane Beacon

18 November 2015
Kiwisaver and Home-start

Kiwisaver and Home-start

There are some major frustrations and misunderstandings surrounding Kiwisaver and Homestart and this article will attempt to clarify some major points on both these initiatives.  The Kiwisaver

Published In Whakatane Beacon

9 October 2015
Vendor Finance

Vendor Finance

With recent changes in lenders policies in relation to above 80% lending it’s important to think outside the square and look at ways in which purchasers are able to buy a home if they

25 September 2015
Knowing the Conditions for your Sale & Purchase Agreement

Knowing the Conditions for your Sale & Purchase Agreement

One of the aspects of any property purchase that causes confusion for many people – including those who have been through the process previously, not just first home buyers – is the

Published In Whakatane Beacon

18 September 2015
Interest Rate Averaging

Interest Rate Averaging

Interest rates are at historical lows.  Most expectation is that rates will drop even further but the question is how long will it take to reach it’s lowest and what will that lowest rate

Published In Whakatane Beacon

28 August 2015
To Break or Not to Break?  That is the Question

To Break or Not to Break? That is the Question

We have seen quite an increase lately, in enquiries from people who have been watching the downward movements of Interest rates and wondering whether now would be a good time to restructure or

Published In Whakatane Beacon

7 August 2015
Purchasing your First Home

Purchasing your First Home

First home buyers are amongst the most active home buyers at present.  Here are a few tips to help you prepare yourself to be in the best position to secure finance Be Realistic on your

Published In Whakatane Beacon

31 July 2015
Repeating Trends

Repeating Trends

With the collapse of the housing and financial markets  in the last few years we saw not only a lot of pain but we actually saw some good things happen.  Primarily the disappearance of some

Published In Whakatane Beacon

17 July 2015
Will your new home be Satisfactory to the Bank?

Will your new home be Satisfactory to the Bank?

When receiving any loan pre-approval, one of the criteria mentioned by all banks is that the property being offered as security is acceptable to the bank in relation to the type and location of the

Published In Whakatane Beacon

10 July 2015
Amendment to LVR Restrictions

Amendment to LVR Restrictions

Recently we did an article explaining the new Loan to Valuer Ratio (LVR) restrictions imposed by the Reserve Bank set to come in on 1/10/2015 – most predominantly the reduction of the maximum

Published In Whakatane Beacon

3 July 2015
How to Strengthen your Offer

How to Strengthen your Offer

We are noticing substantial movement on the property market in the Eastern Bay of Plenty.  Many of our clients are going to multiple offers.   So what can you do as a purchaser to make sure

19 June 2015
Revolving Credit for Property Investors

Revolving Credit for Property Investors

Revolving credit loans have had a pretty bad reputation.  It is a product that is sold on the promise of you being able to repay your mortgage in only a few years.  You do this by crediting

Published In Whakatane Beacon

5 June 2015
Good and Bad for property purchasers in Budget decisions

Good and Bad for property purchasers in Budget decisions

Last week’s budget and Reserve bank announcements provided an interesting selection of issues that could affect those purchasing property in the coming years. While centred around slowing down

29 May 2015
Recent Changes from the Reserve Bank

Recent Changes from the Reserve Bank

Last week the Reserve Bank announced changes to the loan to value ratio restrictions implemented in recent years to address the rapidly rising house prices in the Auckland market. At present Lenders

Published In Whakatane Beacon

22 May 2015
Options When You Don't Have Your Full Deposit

Options When You Don't Have Your Full Deposit

For many people, the chance to purchase their own home has been difficult in recent years due to the Reserve Bank and consequently lenders requirement for larger deposits. This requirement has

Published In Whakatane Beacon

15 May 2015
Who Owns the Property when the Relationship Breaks Up?

Who Owns the Property when the Relationship Breaks Up?

While there are many reasons for the ending of marriages and de Facto relationships, financial pressures are often cited as a contributing factor. It can be very hard juggling the family budget when

Published In Whakatane Beacon

17 April 2015
Making your Offer to Purchase a New Home

Making your Offer to Purchase a New Home

When making an offer to purchase a new home there are several people involved and this week’s article addresses some points to consider in relation to who is involved and how they are effect

Published In Whakatane Beacon

10 April 2015
Housing New Zealand Changes - 2015

Housing New Zealand Changes - 2015

As of the 1/4/2015 there are some significant changes for first home buyers in regards to the ability to access funds from their Kiwisaver, Government Grants and Finance options.  These

Published In Whakatane Beacon

27 March 2015
Mastering the Conditions of the Sale & Purchase Agreement

Mastering the Conditions of the Sale & Purchase Agreement

It recently came to our attention that while many people understand the basics of what’s involved at each stage of signing a Sale & Purchase contract to buy or sell property, there are

Published In Whakatane Beacon

20 March 2015
Is Buying your Own Home & Affordable Option

Is Buying your Own Home & Affordable Option

Comparison between buying in England and New Zealand. While Hong Kong has grabbed first place in the undesirable race to be the most unaffordable city in the world to buy property, Auckland with its

Published In Whakatane Beacon

13 March 2015
Loan to Value Ratios

Loan to Value Ratios

There has been so much talk in the news about LVR (Loan to Vale Ratio) restrictions but exactly what is an LVR and how is it calculated and more importantly how does it effect what we can do. LVR is

Published In Whakatane Beacon

13 March 2015
How Do You Know if you Have a Mortgage?

How Do You Know if you Have a Mortgage?

This week’s article was prompted by a request during a recent conversation about houses, their values and the terminology used by people to describe their current situation. It was suggested

Published In Whakatane Beacon

20 February 2015
Ten Year Fixed Rate - Good or Bad

Ten Year Fixed Rate - Good or Bad

Lenders are fiercely competing with each other to make themselves more attractive to clients.  While most are competing on price it is refreshing to see some lenders thinking outside the square

Published In Whakatane Beacon

13 February 2015
How to Prove Home Loan Affordability

How to Prove Home Loan Affordability

Once again, the subject of housing affordability has come into the spotlight. In this article we’re going to cover what information the banks use and how you can improve your chances of passing

Published In Whakatane Beacon

23 January 2015
Starting Out the Year Right

Starting Out the Year Right

The New Year is all about resolutions and goal setting.  But why is it that this time next year most of us will be making the same resolutions that we had this year?  If you don’t put

Published In Whakatane Beacon

2 January 2015
What First Home Buyers Need to Know

What First Home Buyers Need to Know

We are seeing an increase in the number of enquiries from those who no longer wish to rent, and would prefer to spend their hard earned income on their own mortgage to purchase their first home. For

Published In Whakatane Beacon

12 December 2014
Christmas Rush

Christmas Rush

“All I want for Christmas……………………….” When purchasing a home around this time of the year the most common request from

Published In Whakatane Beacon

5 December 2014
Home Loan Horror Tales for Halloween

Home Loan Horror Tales for Halloween

As today is the feast of All Hallows Eve (Or Halloween), I thought that I would focus our article on some horror stories regarding things that can possibly go wrong when purchasing property. Going

Published In Whakatane Beacon

31 October 2014
Parents Helping Their Kids to Buy Their First Home

Parents Helping Their Kids to Buy Their First Home

Parents can be great mentors in financial management and there are several ways parents can help their kids to buy a home of their own.   KIWISAVER: Parents can get their kids in to

Published In Whakatane Beacon

24 October 2014
The Welcome Home Loan Solution

The Welcome Home Loan Solution

If you are keenly watching the housing and home loan market you may have noticed an increase in advertising in the past month from a number of lenders in relation to non standard lending products.

10 October 2014
How Much Should You Borrow?

How Much Should You Borrow?

HOW MUCH SHOULD YOU BORROW?    When looking to buy a new home inevitably one of the first questions asked by clients is “how much CAN we borrow?”.  This

Published In Whakatane Beacon

3 October 2014
Make Sure the Grass is Greener

Make Sure the Grass is Greener

As we enter the first week of spring, it’s one of those times of year that many people will look at renovating or sprucing up their properties, consider moving or merely reviewing their

Published In Whakatane Beacon

5 September 2014
Lending More Than 80%

Lending More Than 80%

With the relaxation of the Bank’s lending criteria on lending above 80% it would be pertinent time to compare the lending requirements for above and below 80% lending.  80% lending is not

Published In Whakatane Beacon

29 August 2014
Loans for Rental Properties

Loans for Rental Properties

According to International Property Investor Dolf de Roos – New Zealand is a haven for property investors.  We have no Capital Gains tax on properties and have tax advantages on the

Published In Whakatane Beacon

1 August 2014
Building a New Home

Building a New Home

The idea of designing a new home that would suit our lifestyle and build our dream home would have to be a dream shared by many kiwis.  However building a new home differs from purchasing an

Published In Whakatane Beacon

18 July 2014
How your Current Bank Accounts affect your Application

How your Current Bank Accounts affect your Application

What is the best way to structure your bank accounts when you’re looking for a home loan? It may be a curious question, but experience has shown us that there can be a huge impact on borrowing

Published In Whakatane Beacon

11 July 2014
Being Prepared

Being Prepared

There has been a surge in buyers coming back in to the market with a larger number of real estate transactions. With more competition amongst Buyers there is becoming more pressure for them to

Published In Whakatane Beacon

4 July 2014
Loan Affordability - not as simple as you'd think

Loan Affordability - not as simple as you'd think

For most people, providing confirmation of household income when applying for a home loan is as simple as supplying a few recent payslips which confirm regular hours and rate of pay or an annual

Published In Whakatane Beacon

27 June 2014