Howto savefor ahouse deposit
Ifyou’vedecidedtobuyyourfirsthome, you’llneedtosaveforadepositandthe sooneryoustartthebetter.Hereare somepracticaltipstohelpyoustartsaving. Workouthowmuchyouneedtosave Tosetyoursavingstargetforthedeposit, workoutapproximatelywhatyouexpect yourfirsthometocostatthetimewhen you’rereadytobuy.Withthatfigureyou canworkouthowmuchyour5%,10%or 20%depositwillbeindollarterms. Ifyourfirsthomeislikelytocost $600,000,a5%depositis$30,000,a10% depositis$60,000,and20%is$120,000. Foran$800,000house,that’s$40,000, $80,000 and $160,000 You’ll probably
needanother$5000to$10,000foryour purchaseandmovingcosts. Howlongwillittake?
Howlongitwilltakeyoutosavefora depositonyourfirsthomewilldependon: •Whatthehomewillcost
•Howmuchdeposityouwillneed,and •Howmuchdisposableincomeyouhave tosaveafternecessitiesarepaidfor.
Withabrand-newhome,thedepositis usually10%.Thosewhoqualifyforschemes suchasKāingaOra’sFirstHomeLoanit couldbe5%ifyoumeetcertainincome andpropertypricethresholds.
Onceyouknowhowmuchdeposityou need,dividethatbythesumyouplanto saveweeklyormonthly,andfromthisyou canworkouthowmanyyearsitwilltaketo getyourdeposittogether.
Ifyoucan,savingmorethanthe minimumdepositmakessense.Witha higherdeposit,youwillsometimesgeta lowerinterestrate.Also,becauseyou’re borrowingless,yourregularinterest paymentswillbelower.They’recalculated ontheoutstandingmortgagebalance.
UsingKiwiSaver
TheverybestplacetokeepyourfirsthomesavingsisinKiwiSaverbecauseof thebenefitsforfirst-homebuyers.You’ll needtosaveforatleastthreeyearsin KiwiSaverbeforeyoucanuseittobuy yourfirsthome.Togetthemostoutof KiwiSaveryouneedtosaveforfiveyears ormore.
AllKiwiSaversreceiveagovernment contributionofupto$521.43eachyear onthefirst$1042.86saved.Ifyou’re employed,youshouldalsoreceivea contributionfromyouremployerequal to3%ofyourgrossincome,unlessyou haveatotalremunerationclauseinyour contract.Anotheradvantageofsavingfor ahomeloanwithKiwiSaverisyoucan’tbe temptedtodipintoyoursavings.
After three years you canwithdraw
Forfirst-homebuyers,thegoalofsavinga20%housedeposit–oreven10%–canbea challengingonetoachieve.Photo/GettyImage
allofyoursavingsaswellasemployer contributionsandinvestmentgrowth, exceptfor$1000,tobuyyourfirsthome. Toolstohelpyousave
Allthebankshavemortgagecalculators, whichgiveyouanindicationofhowmuch yourmortgagewillcosteachfortnightor month.Sorted.org.nzalsohasamortgage calculator.Somebankshavegoalplanners. Thebanksmaybeabletosplityourpay intovariousaccountsasitcomesin,which makes saving easier
SpaciousCoastalProperty -MotivatedVendors
Howtocreateabudget
Budgetingisessentialforanyonewhois seriousaboutsavingforafirsthome.It willhelpyouprioritisespendinginorderto reachyourgoalfaster.
First,downloadyourbankaccount, creditcardandloanstatementsforthe pastthreemonthsandthencategorise thespendingunderheadingssuchas: food,utilities,rent,giving,saving,andfun money
LargeCornerSection.
Setonagenerous1,022sqmfullyfencedprivate cornersection,thisappealingpropertyoffersrelaxed livingwithplentyofspaceandversatility.Thethreebedroomhomefeaturesanopen-planlivingarea withacompliantwoodburner,creatingawarmand welcomingspaceforfamilyandfriends.Aseparate garageandworkshopprovideamplestorageand workspace,whiletheattachedstudioroomoffers flexibilityforahomeoffice,creativespace,allowing multipleoptions.Theestablishedfruittreesaddcharm andpracticality,andthere’sloadsofroomtoparkthe boat,campervanandallthetoys.Perfectlypositioned justashortwalktothebeachandyourlocalcoffee shop,andconvenientlylocatedontheschoolbus route,thisisanidealspotforfamiliesorthoseseeking alaid-backcoastallifestyle.Disregardthepastsale price,thevendors’planshavechanged,andtheyare nowgenuinelyonthemarkettosell.
ADDRESS: 2GowAvenue,Haumoana,Hastings
SELLINGINFO: DEADLINESALE (UNLESSSOLDPRIOR)
WWW.TREMAINS.CO.NZ/PROPERTY/ H27773/2-GOW-AVENUE-HAUMOANA/
Next,compareyourexpenseswithyour earnings.
•Ifyouarespendingmorethanyouearn: youwillneedtocutcosts.
•Ifyoubreakeveneachmonth:youmay haveenoughincometocovermortgage repayments.
•Ifyouhaveasurplusincomeeach month:thisisagoodplacetobe,but youmightstillneedtoreduceyour outgoingstoreachyoursavingsgoal.
Budgetappsandspreadsheetsare availableontheInternet.Sortedhasa simplebudgetingtool.Mostbanksalso havetoolstohelpyoubudget.
TherearemanybudgetappsonGoogle PlayandtheAppStore.Makesurethe oneyouchooseworksforNewZealand. SomebudgetingappssuchasBooster’s mybudgetpal(free)andPocketSmith (paid)downloadyourbanktransactions automatically,whichmakesbudgeting quicker.
Topsavingstips
Savingforahousedepositisnoteasy,but thesooneryouhaveadeposit,thesooner youcanbuy.Earningmoremoneymakes savingforadepositeasier.Italsoincreases theamountyoucanborrow.Decreasing whatyouspendnowcanpayoff.Ifyou’re likemostNewZealanders,you’llspend morethanyouneedto,andsmallexpenses addupveryquickly.
Trygamingyourselftospendlessand savemore.Thatmightencourageyouto thinkbeforespendingunnecessarily.If youwantyourbudgettosucceed,always makesureyougiveyourselfafixedsumof “fun”moneyeachpaypackettospendon whateveryouwant,thenmanagetherest carefully.
•IncreaseyourKiwiSavercontributions. Ifyou’realreadysavingallyoucan, great.Ifyouneedsomeencouragement, youcouldincreaseyourKiwiSaver contributionsbecauseitcomesoutof your pay before you receive it You can
choosecontributionsratesof3%,4%, 6%,8%or10%.Thenjustadjustyour budgetaroundyournewnetpay.Ifyou can’tcommittoputtingawaymorein KiwiSaverbecauseyoumightneeditin emergencies,atleastsetupautomatic paymentsfromyourbankaccountinto savings.
•Payoffconsumerdebt.Ifyou’repaying interestonstorecards,creditcards,hire purchase,orotherdebts,orpayingfees onbuynowpaylater,it’sslowingdown yoursavings.Payoffthehighestinterest debtfirstifyoucan.Payingdown consumerdebtisimportantifyou’re gettingreadytobuy.Anydebtyoustill have,includingstudentloansandbuy nowpaylater,willreducetheamount youcanborrowbecauseyouhaveless sparemoneytopayyourmortgage. Ifyoucan’tincreasepaymentson theexistingdebtaswellassavefora deposit,thenatleaststoptakingout newdebt.Ifyoucan’ttrustyourself,cut upyourcreditandstorecardsandclose downbuynowpaylateraccounts.
•Askparentsforhelp.Someparentsare inthefinancialpositiontohelpandmay beabletolendorgiftyousomeofthe deposit,orjustletyouliveathomewhile yousave.
•Findanadditionalsourceofincome. Somesaversgetasecondjob,oraside hustletomakeextramoney.Youmight alsowanttoselloffsomeunwanted belongings.Doingsocouldaddafew thousanddollarstoyoursavings,but alsoteachyounottoconfuseneedsand wantsinthefuture.
•Getapayriseorswitchjobs.Youcan increaseyourincomebyseekinga promotionorswitchingemployers. Earningmoreatworkisn’talwayseasy. Lookatyourskillsetthentalktoyour bossorhumanresourcesdepartment abouthowyoucanmoveupinthe organisation If there are no possibilities
Featureproperty
Ifyou’reafirst-homebuyer,yourbudgetwillbebasedonhowmuchmoneyyoucanborrow fromthebank. Photo/GettyImages
withinyourexistingorganisation,itmay betimetomove.
•Reduceyourday-to-dayexpenses. Makingsavingsiseasierthanyouthink. Takeareallyhardlookatyourbankand creditcardstatements.Mostpeople havemoreentriesforlunches,coffees, takeaways,andrestaurantsthanthey think.Listyoursubscriptionsfrom softwaretoNetflix.Cutthemout,orlimit thenumbertomakethematreat.
•Watchlivingcosts.Renteatsupahuge chunkofyourincome.Savingfora depositcouldbeeasierifyoumoveback home,takeinflatmates,orgetacheaper rental.It’snotforeverandcanspeedup yourhomepurchaseconsiderably.
•Learnhowtosavemoneyongroceries. One of the big expenses where we
confusewantsandneedsisour supermarkettrolley.Planyourmeals, learntocook,andaskyourselfifevery iteminyourtrolleyisanecessity. Manyaren’t.Comparepricesbetween mainstreamsupermarketsandother suppliers.YoumayhaveaChineseor Indiansupermarketnearyou,acheap fruitandvegetableshop,orafarmers’ market.Savingscanbeconsiderable.
•Shoparoundforbetterdealsonyour power,broadbandandmobilephone.If youhaven’tdonethisfor12monthsmost likelyyou’reonanoldplan,whichcosts morethanthelatestonebeingofferedto newcustomers.
•Speaktoanaccountant,mortgage adviser(broker)orfinancialadviserearly on They can give useful advice
CharacterandComfortonOrmondRoad
SetonanelevatedsiteinoneofNapierHill’s mostdesirablestreets,thisbeautifullypresented single-levelbungalowblendsheritagecharm withmodernfamilycomfort.
Renovatedwithcare,thehomeretainsoriginalfeaturessuchas leadlightwindows,timberdetailing,andawelcominglounge centredaroundafireplace.
Thelight-filleddiningareaopensthroughbi-folddoorstoa spacioussun-drencheddeck,creatingeffortlessindoor-outdoor flow.Thestylishkitchenincludesaconcretebench,whitetiling, andinductioncooktop,connectingseamlesslytolivingareas andformingtheheartofthehome.
Threegenerousdoublebedroomsallfeaturebuilt-inwardrobes, whiletheprimarysuiteenjoystranquiloceanviews,awalkinrobe,en-suite,andelegantcharacterdetailing.Afamily bathroom,separatelaundry,andguestpowderroomcomplete awell-consideredfloorplan.
Year-roundcomfortisassuredwithaheattransfersystem,and theflatrearlawnoffersasunny,securespaceforchildrenand pets.ALouvretec-coveredoutdoorareaprovidessheltered entertaininginallseasons,whileestablishedplantingensures privacy.ZonedforNapierGirls’andBoys’HighSchoolsand closetopopularlocalamenities,thiswarmandwelcominghome isperfectlypositionedtoenjoythebestofNapierHillliving.
ADDRESS: 1OrmondRoad,HospitalHill,Napier
SALE: AUCTION:2:00p.m.Thursday28August2025, NZSIRNapierOffice(unlesssoldprior)
WEB: nzsothebysrealty.com/HBNP1715
DamianSweetapple SalesAssociate Mobile:021503337
damian.sweetapple@nzsir.com
JamesHaggerty SalesAssociate Mobile:0274858419
james.haggerty@nzsir.com
EACHOFFICEISINDEPENDENTLYOWNEDANDOPERATED.SHBLIMITED(LICENSEDUNDERTHEREAA2008)MREINZ.
Acceleratingsuccess.
homewithadjoiningstudioaccommodation.Thepropertyboastsawell-equippedstableblock,14equestrianpaddocksandarena. horseagistmentandequestrianservices,storagefacilities,andrentalorAirbnbincome.Thisisarareopportunitytosecurealifestyle propertywithexceptionalversatility,whetheryou’reseekinganequestrianhaven,afamilyretreat,oraluxurycountrylifestyle.
We’reproudtocelebratetheoutstanding achievementsofourHawke’sBay teamattherecentColliersRural& AgribusinessExcellenceAwards. HadleyBrowntookhomeTopRural Brokernationally,atestamenttohis expertise,resultsandtrustedreputation. TracyMasonwasnamedRuralRising Star,recognisingherexceptionaltalent anddedicationtoclients. CongratulationsHadleyandTracy. professionalismyoubringtoeverydeal.
ESKDALE37LopdellLane
Panoramas,PavilionsandPossibility
ArchitecturallydesignedbyFatParrot,andbuiltin2015,thistranquilpropertyblendsbeautifullywithits naturalsurroundings.Setacrosstwopavilionsona3.6haestate,itoffersanindulgentlifestylewith panoramicvalleyandoceanviewstoNapierHill.
Inside,theopen-planlayoutisdesignedtocelebratetheview,withasleekislandkitchenandscullery,lightfilledloungewithgasfire,andaformaldiningspaceopeningtoashelteredwesterncourtyardsurroundedby landscapedgardensandaneasternpatioindulgingtheview.Extrasincludeadoubleintegralgaragewith workspace,storeroom,separatelaundry,orchard,vegetablebeds,artshed,gardenshed,threerainwater tanks,enviroflowseptic,andtownwater.Thereisalsoscopeforaseconddwellingorextendedlivingand acrossthedrive,grazinginthefencedpaddockswithtroughs.
ConvenientlylocatednearHawke’sBayAirportandBayViewVillage,thisisthebestofcountrylifewithcity convenience.
3 2 24.4421ha
TENDER: Closes4:00p.m.Thursday11September 2025,NZSIRAhuririOffice(unlesssoldprior)
VIEW: nzsothebysrealty.com/HBNP1701
OpenHome:3:00-3:30p.m.Sunday17August2025 and10:00-10:30a.m.Sunday24August2025or viewbyappointment
JACQUITAYLOR: M+64272387759 D +6468338950 jacqui.taylor@nzsir.com
AHURIRI29HardingeRoad
EstateSale
SetontheiconicAhuririwaterfront,thisstylishtwo-levelhomeblendsrelaxedluxurywithunbeatable convenience.Waketothesoundofthesea,takeyourmorningcoffeeonthebalconyoverlookingTownReef, thenstrolltoyourfavouritecafé,boutique,orthelocalcinema–alljustmomentsfromyourdoor.
Upstairs,enjoysweepingviews,asleekentertainer’skitchen,andsun-soakedlivingthatflowstoagenerous balconythroughexpansivefloor-to-ceilingglazing.Theprimarysuiteisaprivateretreat,completewithwalk-in robe,en-suite,andasecondbalcony.Downstairsofferstwofurtherspaciousbedrooms,afullbathroom, officespace,andaprivatecourtyardoasiswithraisedvegetablegardens.
Addinalift,internaldoublegarage,additionaloff-streetparking,amplestorage,andlow-maintenanceliving–andyou’vefoundyourperfectlock-up-and-leaveorforeverhomeinNapier’smostdesirablevillage. Whereviewsarejustthebeginning. 3 2 2
TENDER: Closes4:00p.m.Thursday11September 2025,NZSIRAhuririOffice(unlesssoldprior) VIEW: nzsothebysrealty.com/HBNP1712
OpenHome:2:00-2:30p.m.Sunday17August2025 and12:30-1:00p.m.Sunday24August2025orview byappointment
JACQUITAYLOR: M+64272387759 D +6468338950 jacqui.taylor@nzsir.com
Retirement&Lifestyle TownhousesforSale
DOWNSIZEINSTYLE
•Fullhomeownership—whenyousellyougettokeepallthe moneylikeanyfreeholdhome—makesthisasmartinvestment.
•Easycare,lowmaintenancebrandnewbrickhomes,double glazedandfullyinsulated.
•Locatedinagatedcommunityforsafetyandsecurity.
•Beautifulgroundsmanicuredandmaintained.
•Buycompletedoroff-plan —twoorthreebedroomoptions.
•Sellingfast,Stage1is80%sold.Stage2sellingnow!
•Pricesstartingfrom$685,000.
•NowOpen!NewLombardyandElmTownhouseshowhomes.
OPENHOMES:
SUNDAY17THAUGUSTAT10:00AM–10:30AM
SUNDAY24THAUGUSTAT10:00AM–10:30AM
Callourteamtodiscussanappointmenttoview 52ReadCrescent,Clive
Calltoviewandsecureyournexthomenow.
CONNIECAWOOD M.0276881608|connie.cawood@nzsir.com
MELCLOETE M.0276881607|mel.cloete@nzsir.com
TARADALE 11WillowDrive 2 1 2686sqm
WhisperingTreesandBirdsonginWillow Drive
Tuckedawayattheendofthestreet,insoughtafter WillowDrive,Taradale,thischarming1960shomeenjoysa peacefuloutlookoverthebeautifulreserve,withno passingtraffictodisturbthetranquillity.Setonagenerous 686sqmsection,thishomeofferstwo/threebedrooms,a convenientfamilybathroom,andaseparatelaundryina veryhandylocationwithinthehome.
Theopen-planlayoutflowsseamlesslythroughthe kitchen,diningandloungeareas,withthisareaheatedwith aFirenzowood-burner,perfectforthosechillywinterdays. Forconveniencethereisalsoaheat-pump/aircon.
Outside,alargedoublecarportandextraoffstreet parking,providingexcellentparkingspacesforfamilyand friends.
Theestablishedtreescreateaprivatesanctuary.Here, you'llwaketothegentlesoundofnativebirdsong.
DEADLINESALE: Closes2:00p.m.Thursday4September 2025,(unlesssoldprior)
VIEW: nzsothebysrealty.com/HBNP1716
OpenHome:11:00-11:30a.m.Sunday17August2025or viewbyappointment
MARLENENATHANAREINZ:M +64274452353
marlene.nathan@nzsir.com
EffortlessElegance,Award-WinningLiving Thisaward-winningRedshawresidenceoffersaseamless blendofcontemporaryeleganceandeverydayeaseina sun-soakedHawke’sBaylocation.
Thestrikingrenovatedkitchenwithengineeredstone surfaces,inductionhob,butler’spantryandbuilt-inbar anchorstheopen-planliving,flowingtoanorthwest-facing patioframedbymanicuredgardens.Aseparatelounge withgableceilingandgasfireaddsfurtherappeal,while theprimarysuiteprovidesdualwalk-inwardrobesanda tileden-suite.Twoadditionaldoublebedrooms,afourth bedroomorstudy,stylishbathroom,separateWC,andan updatedlaundryensurespaceandfunction.
Moderncomfortsincludedoubleglazing,heatpump, alarm,wirelesssecurity,andfullfencing.Justminutesto wineries,excellentschoolsandlocalamenities,thisisa homewheredesign,comfortandlocationalign.Some imageshavebeendigitallyenhanced.
AUCTION: 2:00p.m.Thursday28August2025,NZSIR NapierOffice(unlesssoldprior)
VIEW: nzsothebysrealty.com/HBNP1706
OpenHome:1:30-2:00p.m.Sunday17August2025and 12:30-1:00p.m.Wednesday20August2025and1:30-2:00 p.m.Sunday24August2025orviewbyappointment
NICKYBERRY:M +642041122115
nicky.berry@nzsir.com
FirstTimeOnTheMarketin27Years Arareopportunityawaits.Setinaprivatesun-soaked positiononBluffHill,withbreathtakingviews,this beautifullymaintainedhomeisbeingofferedforsalefor thefirsttimeinnearlythreedecades.Withathoughtful layoutandahostofpremiumfeatures,it'stheperfect retreatforfamilies,downsizersseekingspace,orthose afterasecurelock-and-leavelifestyle.
Thehomeboaststwogenerouslivingareasplusasun drenchedsunroomthatmakesthemostoftheall-daysun andstunningoutlookacrosstoMahia.Theloungeand sunroomflowseamlesslyoutdoorstoaveryprivate entertainingareastillcapturingtheview.Comfortisatthe heartofthisproperty.
Locatedinahighlysought-afterschoolzone,forNapier GirlsHighSchool,NapierBoysHighSchoolandCentral SchoolPrimary.
TENDER: Closes2:00p.m.Tuesday19August2025,NZSIR NapierOffice(unlesssoldprior)
VIEW: nzsothebysrealty.com/HBNP1704
OpenHome:1:15-2:00p.m.Sunday17August2025orview byappointment
MARLENENATHANAREINZ:M +64274452353
marlene.nathan@nzsir.com
CoastalCoolintheHeartofAhuriri
Positionedontheprizedwaterfrontpromenade,this exceptionalfreeholdresidenceoffersanunparalleled lifestyleinvibrantAhuriri.Whetheryou'reafteraluxurious lock-and-leave,boutiquecoastalaccommodation,orafulltimehomebythesea,thispropertydelivers.
Theexpansiveopen-planlayoutisdesignedforeasyliving andentertaining.Adesignerkitchenwithcentralisland flowsintothediningandlounge,wherefloor-to-ceiling glazingframesoceanviews.Agasfireplaceaddsawarm focalpoint,anddoorsopentoafull-widthbalcony-the perfectspotformorningcoffeeoreveningdrinkwithviews oftheseaandKawekaRanges.Furtherfeaturesincludelift access,twosecure,coveredcarparksandlock-up.
WithintheheartofAhuriri,thisisararechancetosecurea premiumwaterfrontresidenceinoneofNapier’smost sought-afterlocations.
FORSALE: PriceByNegotiation
VIEW: nzsothebysrealty.com/HBNP1695
OpenHome:1:15-1:45p.m.Sunday17August2025and1:151:45p.m.Sunday24August2025orviewbyappointment
JACQUITAYLOR:M +64272387759
jacqui.taylor@nzsir.com
NICKFRYER:M +6421477604
nick.fryer@nzsir.com
Needmorespace? Lookingtodownsize?
Suburbanhomeor lifestyleproperty?
Fromsleekapartments,tofamily homesorpeacefulsemi-rural settings,IsellacrossHawke’sBay andamheretoassist,wherever yournextmovetakesyou. Givemeacalltoday.
M +64272829714 neal.andersen@nzsir.com
Nealwasanabsolute star.Wesoldourhouse withinaweekoflisting withSotheby’s,sothe resultsliterallyspeakfor themselves.Nealbrings energy,marketknowledge andprofessionalismto hisrole,andwewere nothingshortofabsolutely delightedvendors.Neal understoodourhouse’s targetmarket,andthis enabledhimtopresent ourplacewithenthusiasm andconfidence.Wewould highlyrecommend Nealtoothers.
GARETH&KIM|VENDORS
Understandthevalueofyourpropertyintoday’smarketwith asimple,no-obligationappraisal,andgointhedrawtowina luxuryescapetothestunningWhitsundays-curatedforyou.*
OURPROMOTIONENDSSOON
Toenter,simplyhaveyourpropertyappraisedbefore31August2025 andyoucouldbeescapinginluxury.
MEEANEE 20ParsonsRoad
DiscoverthePerfectBlendofLifestyle&Location
Situatedattheendofaquietno-exitroadinsought-afterMeeanee,thisspacious1995-builthomeoffersprivacy,convenience,and versatility.Justminutesfromtheexpressway,enjoyseamlessaccesstobothNapierandHastings.
PropertyFeatures:
•Fourgenerousbedroomsplusadedicatedoffice
•Largeopen-planlivingareas
•Threebayattachedgarage
•Twoimplementshedspluschemicalshed
•Expansiveoutdoorspacewithpotential
•Currentlyleased-flexibleoptionsavailable
Lifestylepropertiesofthiscalibrearerarelyavailable.Whetheryouarelookingtoinvest,live,orlease,thispropertyoffersendless possibilitiesinatop-tierlocation.
ContactGaryBrooksorHamishGoodwintoarrangeaviewingorformoreinformation.
gary.brooks@pggwrightson.co.nz M 0274443756
0272912156
BRIDGEPA 101RuCollinRoad
LivingtheDream-House,CottageandThreeSheds
Hereisanexceptionallifestylepropertythattrulyhasitall,house,pool,cottage,incredibleshedding,stablesandbeautifulgreen paddocks.
Themaindwellingfeaturesfourbedrooms,threeinthewestwing,theupstairsmasterhasanensuiteandbalconyfromwhereyou canviewthepoolandgardens.
Therearetwoindoorlivingspaces,oneformal,onefamilyeachwithlogfires.Openthebi-folddoorsandyouhavetheultimate indoor-outdoorflowtoacoveredpatio,BBQareaandthepool.Thekitcheniswellappointed,spaciousandhasabundantstorage. TuckedinundertheGoldenElmsisacharmingcountrycottage.Fabulousopenplanliving,expansivedeckingandveryprivate! Thenthereistheenormous300sqmetrefive-bayshed,idealasacontractor'sworkshop,collector'shaven,orforstoringallthebig toys!Thefifthbayfeaturesahugegamesroomandkitchen,atwo-bedroomapartmentandbathroomupstairs. Forhorselovers,thereisthestableblock,tackroom,kitchenette,plentyofspaceforalltheequestriangearandtwobespokestalls. Therearesomanyattributestothisfourhectareproperty,wordscannotdoitjustice!Viewingisamust!
pggwre.co.nz/HAS41785
CROWNTHORPE 613MatapiroRoad
NowOfferedataVeryBuyablePrice
Thisexceptionalsmallfarmletfeaturesanoutstandingfamilyhomethatisperfectlypositionedtocapturepanoramicviewsofthe property'slandandthesurroundingcountryside.Sunlightfloodsthehomethroughouttheday,anditoffersseamlessindooroutdoorflow,maximisingenjoymentofthelongHawke'sBaysummerevenings.
Thepropertyencompassesanareaof22.1hectares(54.6acres)thatiswellsubdividedandincludesshedsandyards. Allroomsaregenerouslysized.Thekitchenisadreamforentertainers,equippedwithawalk-inpantryandbutler'spantry,all finishedtohighspecificationsalongsidetop-qualityappliances.Thekitchenincludesadiningarea,whileacomfortablefamilyliving spaceissituatednearby.Anexpansivelounge,complementedbyaformaldiningareaatoneend,completesthehome'sliving space.
PeterDick
M 0274461714
Propertieslikethisarerare,asitencompassesalltheessentialfeaturesandmore-viewingatthispriceishighlyrecommended. 3 2 2
ENQUIRIESOVER$1.99M PlusGST(ifany)
VIEW ByAppointmentOnly
FionaHarper
M 0274304499
E fiona.harper@pggwrightson.co.nz
PaulHarper
M 0274944854
E paul.harper@pggwrightson.co.nz
NEWLISTING
ONGAONGA 1527WakararaRoad
DiverseFarmLoadedWithOptions
Puketotaraisaversatile134.75hapropertythatoffersarare combinationoflifestyle,productivity,andfutureincome. LocatedinthestrongfarmingdistrictofSpringHill,itfeaturesa tastefullyrenovatedfive-bedroomhomewithestablished grounds.Thefarmiswell-equippedwithafour-bayimplement shedthatincludesafullyenclosedoffice,adeershedwith yards,andsteelpipecattleyardscompletewithaload-out facility.
Watersecurityisastandoutfeature,withdamsinmost paddocksandanewlyinstalledsolar-poweredreticulatedwater systemsupplyingtroughsthroughouttheproperty.Thereisa
pggwre.co.nz/WPK41927
NEWLISTING
centrallanewaythatstretchesthelengthoftheproperty,and allfencingissuitablefordeer.Thepropertyincludes24.11haof pinetreesplantedin2022andafurther13.23haplantedin 2023.BothstandsareregisteredintheEmissionsTrading Scheme.Thepropertyboasts50haofpasturewithaconsentfor intensivewintergrazing,makingitidealwinterdairygrazingor intensivebeeffinishingsystems.Aresourceconsentisinplace tosubdivideofffoursections,presentingavaluableopportunity forfuturedevelopmentandinvestment.
ONGAONGA NgaruruRoad
ProductiveFarmWithStunningView
Locatedattheendofano-exitroad,thispredominantlyflat 49.1186hafarmheldintwotitlesoffersauniqueopportunityfor thoselookingforaproductivefinishingblock,someone transitioningintofarmingordownsizing.Thepropertyboasts predominantlyLUCClass1soilsandhasbeensuccessfully croppedwithsweetcorn,processpeasandfoddercropsinthe past.
Therearenumerousbuildingsitesthattakefulladvantageof theRuahineRangesandNgaruruValley.Addingtothefarm's charmisapicturesquepond,perfectforduckshootingor retiringtoawetland.Thereisalsoaroundhaybarn,providing
amplestorageforwinterfeed.
Thisfarmisararefind,combiningprivacyandproductivitywith stunningnaturalbeauty.Ablocksuchasthisgivenitslocation andabilitytogrowcropsandfinishstockwarrantsinspection.
5 1 2
DEADLINEPRIVATETREATY PlusGST(ifany) (UnlessSoldPrior) Closes2.00pm,Wed10September12Takapau Road,Waipukurau VIEW ByAppointmentOnly
WillsBuchanan
M 0274629716
E wills.buchanan@pggwrightson.co.nz
DEADLINEPRIVATETREATY
PlusGST(ifany) (UnlessSoldPrior)
Closes2.00pm,Friday5SeptemberWaipukurau VIEW ByAppointmentOnly
WillsBuchanan
M 0274629716
E wills.buchanan@pggwrightson.co.nz
Lifestyle,landandlocation
Setonapproximately6hectaresofflat,fertileland,justminutestotownthislifestylepropertyofferstheperfect balanceofruraltranquilityandtownconvenience.Thehomeisgenerouslyproportionedandfullofpotential.The thoughtfulandpracticallayoutincludesalargeseparatelounge,anopen-plankitchenanddiningarea,amaster bedroomwithensuite,twodoublebedrooms,familybathroom,separatelaundry,andanintegralgarage.Multiple accesspointscreateaneffortlessindoor-outdoorflowtotheexpansivecovereddeck.Athree-bayandtwobay shedprovideplentyofspaceforthetools,machineryorhobbies.Withsomuchroomtoaddvalue–renovatethe home,expandthegardens,ordevelopthelandfurther–thepossibilitiesareonlylimitedbyyourimagination. bayleys.co.nz/2854008
EuropeanlivingonMcHardy
Setintheheartofhighlysought-afterHavelockNorth,thismeticulouslyrenovatedweatherboardresidence combinestimelesscharacterwithmodernluxury.Themainhomeofferstwogenerousbedroomsandtwo beautifullyappointedbathroomsandwardrobes.Theopenplankitchenfeaturesasculleryandseamlessindooroutdoorflow.High-endfinishesincludePerrinandRowetapware,gasfireplace,centralheating/airconditioningand Europeanflooring.Aseparateone-bedroomcottagewithensuiteandwalk-inwardrobeoffersversatilityasguest accommodation,homeoffice,orincomepotential.Thepropertyisfullyfencedwithasecuritygate,offeringprivacy andpeaceofmind.Abrandnewdoublegarageprovidesamplestorageandconvenience. bayleys.co.nz/2854034
6ha 3 2
Tender Closing4pm,Tue2Sep2025
15HavelockRoad,HavelockNorth View 1-1.30pmSun17Aug&Sun24Aug orbyappointment
KrisAugust 0272489266 kris.august@bayleys.co.nz
EASTERNREALTYLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008
3 3 2
Tender (unlesssoldprior) Closing2pm,Thu28Aug2025 15HavelockRoad,HavelockNorth View 2-2.30pmSun17Aug&Sun24Aug orbyappointment
GeorgieRobson 0275624100 georgie.robson@bayleys.co.nz EASTERNREALTYLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008
Spacetogrow,entertain,andunwind
PrivatelytuckedawayintheheartofHavelockNorthVillage,thissubstantialfamilyhomesitsonanelevated 2,338sqmlifestylesection.Designedforeffortlesslivingandentertaining,thethreespaciouslivinganddiningrooms opentoalargedeckoverlookingtheflood-littenniscourtandsalt-waterpool.Thekitchenincludesawalk-inpantry andaserverywindowtothecourtyardwithoutdoorfireplace.
Morethanjustahome,thisisalifestyleoffamilyfunandexceptionalconvenience,atruesanctuarywithspaceto grow,entertain,andunwind. bayleys.co.nz/2854073
4 4 2 3
ForSalebyDeadlinePrivateTreaty (unlesssoldprior) 1pm,Tue9Sep2025
15HavelockRoad,HavelockNorth View 2-2.30pmSun17Aug&Sun24Aug GretchenPaape 021988904 gretchen.paape@bayleys.co.nz EASTERNREALTYLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008
Modernlifestyleon4.99ha
Discovertheultimatelifestylepropertywherecomfortmeetscountrysidecharm.Situatedonagentlycontoured 4.9970ha(approximately)block,thisbrand-new2023LatitudeHomesbuildoffersanexceptionalopportunityto embracetheruraldream-withoutcompromisingonmodernconvenience.Perfectlypositionedintheheartof CentralHawke'sBay,this4.99hectares(approximately)havenisidealforfamilies,hobbyfarmers,orequestrian lovers,withplentyofroomforhorses,sheep,orafewcows-andspaceforthekidstothriveinnature. bayleys.co.nz/2871175
4 1 2 2
PricebyNegotiation
View Sat1-1.30pmorbyappointment
AndyHunter 0274495827 andy.hunter@bayleys.co.nz
IanLarge 0272437300ian.large@bayleys.co.nz
EASTERNREALTYLTD,BAYLEYS,LICENSEDUNDERTHEREAACT2008
30IonaRoad
1141OmahuRoad
MajesticalLifestyleClosetoTown
Welcometoatrulyrarefind—Awellmaintainedfive-bedroomplus2Studio rooms,lifestylepropertythatbringstheserenityofthecountrysiderightinto theheartoftown.Setonastunning1.748hectares,thisexceptionalestateis tuckedawayattheendofalong,tree-lineddriveway,offeringtotalprivacy andatruesenseofescape.Fromthemomentyouarrive,you'retransported intoyourveryownoasis—beautifullylandscapedgardens,asparklingpool,and evenafull-sizedgrasstenniscourtinviteyoutorelax,play,andunwind.Car enthusiast?Collector?Hobbyist?You’lllovetheextensiveshedding,with garagingforuptoelevenvehicles,completewithdedicatedstorageand workshopspaces.It'sadreamcometrue!
Suburb: Twyford
Price: ByNegotiation
View: Byappointment
WebID: H28222
RahiaJessup
M 021514875
D 068735908
E rahia.jessup@tremains.co.nz
2GowAvenue
MotivatedVendors
Setonagenerous1,022sqmfully fencedprivatecornersection,this appealingpropertyoffersrelaxed livingwithplentyofspaceand versatility.Thethree-bedroomhome featuresanopen-planlivingareawith acompliantwoodburner,creatinga warmandwelcomingspaceforfamily andfriends.Aseparategarageand workshopprovideamplestorageand workspace,whiletheattachedstudio roomoffersflexibilityforahome officeorcreativespace.
Suburb: Haumoana
Price:DeadlineOfferson27August, 2025at12:00pmatTremains, HavelockNorth(unlesssoldprior)
View: Sun17th11am-11:30am
WebID: H27773
BronwynTrafford
M 0275737417
D 068773022
E bronwyn.trafford@tremains.co.nz
5LardonPlace
ComfortandLocation
Positionedinaquietcul-de-sacinthe sought-aftersuburbofFrimley,this spaciousbrickhomeofferseverything agrowingfamilyneeds.Setonan885 sqm(moreorless)sectionwitha generouslawn,there’splentyofroom forkidsandpetstoenjoythe outdoors.Stepinsidealarge open-plankitchen,dining,andliving areathatflowseffortlesslytothe sunnydeck,perfectforalfresco diningandentertaining.
Suburb: Frimley
Price:DeadlineOfferson3 September,2025at12.00pmat Tremains,HavelockNorth(unless soldprior)
View: Sat16th1pm-1:30pm
WebID: H28243
JarrodLowe
M 0274422677
D 068778035
E jarrod.lowe@tremains.co.nz
SusieSturt
M 021894770
D 068774778
E susie.sturt@tremains.co.nz
32LindsayRoad
LittleLindsayLifestyle
Setonafullacreofflatland,32 LindsayRoadofferstheperfectblend ofcharm,lifestyle,andconvenience. Thisbeautifullymaintained1930's characterhomefeaturesthree bedroomsandarenovatedopen-plan livingspacethatfeelsbothwarmand welcoming.
Suburb: Waipukurau
Price:Tendercloses29August,2025 at2:00pmatTremains,Waipukurau (nooffersprior)
View: Sun17th&Sun24th11am-11:30am
WebID: CHB28235
DomMichau M 0224217153
D 068585061 E dom.michau@tremains.co.nz
1165CCooksToothRoad
SeathePotential
1165CCooksToothRoadoffersthe ultimateblendofseclusionand coastallifestyle.Withpotentialsea viewsonceselectivetreesare cleared,thisuniquepropertyisready foryourvision.Whetheryou're dreamingofaweekendescape,a permanenthome,oranature-inspired build,thesettingisideal.
Suburb: Porangahau
Price: ByNegotiation View: Byappointment WebID: CHB28282
DomMichau M 0224217153 D 068585061 E dom.michau@tremains.co.nz
ModernBeachsideRetreat
Modern3-bedbeachhomewith ensuitemaster,oceanviews,and sunnyopen-planliving.Walktothe beachforswimming,fishing,or surfing.Launchyourboatintothesurf. Overhalfanacrewithnewtanks, pump,andseptic.Idealholiday retreat,moveinnowandmakeit yours.AhiddenCentralHawke’sBay gem.
Suburb: Pourerere
Price:Tendercloses11September, 2025at2:00pmatTremains, Waipukurau(nooffersprior)
View: Byappointment
WebID: CHB28055
KathieDavies
M 0273256162
D 068585061
E kathie.davies@tremains.co.nz
NewListing
2021ElsthorpeRoad
LifestyleWithin
Setwithinapeacefulnewrural subdivision,thispicturesquelifestyle blockofferstheperfectmixof tranquillity,comfort,andopportunity. Withanaturalcreekformingone boundaryandafreshlybuilt2024 cabinalreadyinplace,youcanmove straightinandstartenjoyingcountry living—orplanyourdreamhomewhile stayingcomfortablyonsite.Thecabin isfullyconnectedtomainspowerand featuresopen-planliving.
1 1
Suburb: Elsthorpe
Price: ByNegotiation View: Byappointment WebID: CHB28151
KathieDavies M 0273256162 D 068585061 E kathie.davies@tremains.co.nz
30CaxtonStreet
CaxtonStreetClassic
Welcometo30CaxtonStreet, Onekawa,afullyrestored mid-centurygemthatcombines timelesscharmwitheffortless modernliving.Originallybuiltinthe 1960s,thishomehasbeenrelocated andcompletelytransformedfromthe groundup,offeringanunbeatable opportunityjustminutesfrom Napier’sCBD.Stepthroughthefront doorintothesun-drenchedlounge;a warm,welcomingspacethatsetsthe tonefortherestofthehome.
Suburb: Onekawa
Price:Tendercloses20August,2025
at2:00pmatTremains,Napier(no offersprior)
View: Byappointment
WebID: N28273
NathanAbel
M 0274141542
D 068355988
E nathan.abel@tremains.co.nz
JoshAbel
M 0226469678
D 068355988
E josh.abel@tremains.co.nz
DEADLINESALE NewListing
Classic1959Home
Welcometoatimelessclassicinthe heartofMaraenui,Napier.Builtin 1959,thissolid,north-facinghome offerscomfort,space,andversatility— idealforfirst-homebuyers,investors, orfamilieslookingtogrow.Setona generous716sqmfullyfenced section,itcombinesthecharmof mid-centuryconstructionwith modernupgradesandoutstanding potential.Inside,you’llfindthree well-sizedbedrooms,allfilledwith naturalsunlight.
Suburb: Maraenui Price:DeadlineOfferson26August, 2025at2:00pmatTremains,Napier (unlesssoldprior) View: Sun17th&Sun24th10:15am-10:45am
WebID: N28259
CarolineHughes
M 0278770210
D 068355988
E caroline.hughes@tremains.co.nz
TamateaRipper
Welcometo35LytteltonCrescent,a solidfamilyhomenestledintheheart ofTamatea.Ideallypositionedclose toqualityschoolsandjustminutes fromTaradaleVillage,thislocation offerstheconvenienceoflocal shoppingandeasyaccesstoNapier’s CBDandmainarterialroutes.Inside, thehomefeaturesthree well-proportionedbedroomsanda generousfamilybathroom,designed withcomfortandpracticalityinmind.
Suburb: Tamatea
Price:Tendercloses21August,2025
at2:00pmatTremains,Napier(no offersprior)
View: Byappointment
WebID: N28272
NathanAbel
M 0274141542
D 068355988
E nathan.abel@tremains.co.nz
JoshAbel
M 0226469678
D 068355988
E josh.abel@tremains.co.nz
3DulesWalk
TimelessAppeal
Immaculatelypresented,this Knightsbridgehomeinaprivate cul-de-sacofferslight-filledliving. Theopen-plankitchenflowstothe livingareaandpatio.Aseparate lounge/diningroomofferstheideal spaceforformalgatherings.The masterbedroomboastsanen-suite andwalk-inwardrobe,withtwomore bedroomsandbathroom.Ahome office,doublegarage,andample parkingcompletethepackage.Close toHawke'sBaywineriesandtrails.
Suburb: Taradale
Price: ByNegotiation
View: Sun17th1pm-1:30pm
WebID: N27825
HanlieMarnewick
M 0272959981
D 068459060
E hanlie.marnewick@tremains.co.nz
Whateveryou’relookingforinyournewhome,you’llfinditatOneRoof. Withthousandsofpropertylistingsrightacrossthecountry, there’ssuretobeonetogiveyourheartto.
