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More Waikato residents are opting to sell up their homes and move into retirement villages as it bec…
A Waikato Weedbusting Squad has been formed as a response to the call for a "War on Weeds". Weedy…
Caress/Ache revolves around touch. Whether it be too much, resulting in cheating partners, or not e…
Opinion: Brrr. Cold. To the bones. Yes I was sure even my bones were cold. You get the message. I ha…
A Hamilton brother and sister are leaving their mark on the city's dance culture. Assryia and Reev…
New Zealand's best film-makers had to start somewhere, and the 48-Hour Film Challenge has proven to …
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4 tips to be financially ready if you want to sell your home.
Get your financial ducks in a row
Selling your home can be full of highs and lows, both emotionally… and when it comes to your bank balance.
If you are harbouring an aversion to facing the financial impact of selling (and … View more4 tips to be financially ready if you want to sell your home.
Get your financial ducks in a row
Selling your home can be full of highs and lows, both emotionally… and when it comes to your bank balance.
If you are harbouring an aversion to facing the financial impact of selling (and buying) a home, consider these four crucial points and get a step closer to deciding if the time is right to sell (or not).
1. Where are you now?
Before embarking on a significant financial upheaval, gain some more clarity around your current financial situation. Plenty of money left over after the mortgage repayments? Unruly credit card debt that needs attending to? What is your home actually worth – have you had it appraised by the professionals? It’s time to 'fess' up.
2. Your future self. Will they thank you for this?
Whether you are planning on upsizing or downsizing, a move will impact on the world of your future self – will finances be tight? Will you still be able to afford annual family holidays? Are there additional expenses you will incur with a move such as body corporate fees or increased maintenance costs that come hand in hand with upsizing?
3. Equity. What does it mean and do you have it?
No need to dig out the high school statistics text books, equity is a simple calculation based on your estimated property value less your loan balance. For example, your home has been valued at $525,000. You still have $400,00 to pay on your mortgage. Leaving you with equity of $125,000.
4. What will selling cost you?
Aside from a few extra wrinkles, the action of selling comes with some potentially hidden costs if not addressed early. From preparing your home for sale – is the exterior in dire need of a touch up? Through to costs associated with putting your house on the market – will you go for the full marketing package? Right through to the act of moving itself – will you need storage and/or professional movers? Consider all the expenses, so you’re not left with any nasty surprises.
A love of spreadsheets is an acquired taste, which is why we’ve developed an easy to use worksheet to help guide you, that will give you a clear picture of the financial position associated with your home. While it doesn’t cover everything you’ll need to know, it’s a great starting point for a discussion with a professional.
So get your files and pen ready and download the worksheet included in our eBook To sell or not to sell.
Everyone has a slightly different reason for thinking about moving. But whatever your reason, the desire to move on is a big deal. Download our free eBook 'To sell or not to sell' for tips and advice to help you decide if 'now' really is the right time to move on.
Afternoon everyone,
Four Hamilton "choke points" are in the sights of a city councillor who says the traffic flow needs to be fixed.
And council experts agree that growth is putting more pressure on Hamilton roads than ever before.
Are there any intersections or roundabouts that … View moreAfternoon everyone,
Four Hamilton "choke points" are in the sights of a city councillor who says the traffic flow needs to be fixed.
And council experts agree that growth is putting more pressure on Hamilton roads than ever before.
Are there any intersections or roundabouts that really grind your gears? Also, are there any other traffic/driving/etiquette related gripes that you'd like to share?
We're hoping to get an idea of what really gets up the noses of city drivers.
NOTE: Add NFP to your comment if you do not want to be quoted in any follow up articles on the topic.
The winners of the Prime Minister’s Education Excellence Awards have been announced. The Awards celebrate New Zealand teachers, leaders and communities who are working together to improve outcomes for our children and young people from around the country. Please join us in congratulating all our … View moreThe winners of the Prime Minister’s Education Excellence Awards have been announced. The Awards celebrate New Zealand teachers, leaders and communities who are working together to improve outcomes for our children and young people from around the country. Please join us in congratulating all our winners for sharing their inspirational journeys, and find out about their achievements at the link below.
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Nominations are coming in thick and fast! Are you a gardening superhero or perhaps you know one in your neighbourhood? Tell us why you or someone you know deserves to be our 2017 GARDENA Gardener of the Year. We're looking for community leaders, inspiration mentors, the driving force behind a … View moreNominations are coming in thick and fast! Are you a gardening superhero or perhaps you know one in your neighbourhood? Tell us why you or someone you know deserves to be our 2017 GARDENA Gardener of the Year. We're looking for community leaders, inspiration mentors, the driving force behind a vege-growing food bank or someone who is beautifying their town or restoring wasteland. It could be anything... basically if a gardener has inspired you, let us know! Include your name and phone number plus contacts for the nominated gardener, or for a contact person if it's a group.
You can send nominations to 2017 GARDENA Gardener of the Year, NZ Gardener, PO Box 6341, Wellesley St, Auckland. Or enter on our website, nzgardener.co.nz
We had such a great response for the Book Fair over the weekend that we decided to open it for two more days. Wednesday 5 October from 10 am - 3.00 pm
Come and bag a bargain. New books and magazines have been added.
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