The New Zealand Mortgage Broking Sector

The mortgage broking sector in New Zealand is vital, as they are responsible for helping source over 40% of all the mortgages supplied in the market. The banks have long recognised the importance, and have made sure that the mortgage broking sector is adequately compensated.

The particular benefit that a skilled mortgage broker can bring to the table is the ability to look across the  board at all the options available for the client,  and to marry these up to the  particular set of problems that the client has. This can be quite a time-consuming process and some clients may need quite a bit of consultation, and often banks are just not prepared to put in the effort required.

One very interesting  modern trend is the large number of customers that are happy to search for a mortgage broker and to actually deal with it a mortgage broker over the Internet. Many traditional brokers are long accustomed to the hard graft of finding ongoing you business via word of mouth  and via their hard earned contacts. These brokers find that word of mouth is the very best form of advertising, and they often find that their clients require at least one personal visit. They may not be aware that there are a very large number of people looking for mortgage brokers on the Internet and even happy to deal with a mortgage broker at the other end of the country if the broker can solve your problem for them.

 

The more traditional brokers are simply not aware of this very large untapped market for new clients, but less traditional brokers and other countries not even in the industry a very aware of this market and the value of any leads that they can procure. There are over 9000  Google searches per month for mortgage brokers in New Zealand, and if anyone can capture even a tiny percentage of this market then they would still have a lucrative business. More importantly the size of this market is just going to keep on growing, given the ongoing increase of  level of trust in the market in the Internet. People often get a mortgage broker on the internet

There is obviously room for both the traditional and the modern type of mortgage brokers in the market, but  we are as the traditional mortgage brokers need hard graft and word of mouth to grow their business, non-traditional brokers can take advantage of new services such as Internet lead generation, and can purchase hot leads on the spot. They can be comfortable that most customers who are happy to search for their mortgage broker on the Internet are also happy to deal with their mortgage broker remotely.

Steep Roofs in Christchurch

One feature of Christchurch housing observed by visitors and new residents is the very high percentage of housing particularly in the inner hill suburbs that have very steep tiled roofs. These became very fashionable 100 or so years ago as the design copied the steep tiled roofs found in Europe and North America and Canada.  The irony is that the reason for the steep roofs and Europe and North America is because of the risk of roof collapse after a heavy snowstorm if the snow was to pile up on the roof.

As well as wearing awesome roofing shoes it is also important to wear a safety harness while you are on the roof. While heavy snow is a fact of life in the Northern Hemisphere it virtually never occurs in New Zealand except perhaps occasionally in the lower South Island. The very steep roof is fashionable throughout the older expensive housing in New Zealand,  and especially so in roofing Christchurch. This was a desirable feature back in the day but in modern times with the new health and safety legislation, these roofs have made it very expensive whenever they need even the most minor maintenance or repair.

The truth is that even the smallest job will require a considerable amount of scaffolding to be erected,  and this is no mean feat if the house is on a hilly site and particularly if it has difficult and steep access. A repair that might take a competent worker only 15 or 20 minutes to complete might involve up to $10,000 worth of scaffolding to be erected prior to the job and dismantled afterward.  This can come as a very rude shock to a retired homeowner who is already paying a high price for city rates because of the steep increase in the value of his or her property.

 Unfortunately, the very steep slope of the roof means that it is very impractical for all but the most athletic and agile homeowners to do the work safely themselves. They are trapped in a situation where they are forced to pay for a professional roofer to do that work.

Shingling the Roof

When building a roofing business it is very important to hire the right roofing contractors. If you’re going to hire contractors for your roofing business, you must test to see whether they’re good enough, interview them and check their qualifications.

Shingling the roof is very dangerous. You should make sure you have the proper safety harness line attached to the ridge or stage. With safety rails around the roof, you have to do all the things with an 8-inch strip. It was actually to break the surface tension of the water!

Water runs down the shingles and clings to the edge of the shingle. Have this take to the stations of the gap. I like to have a gap about the thickness of my fingers because I don’t want to want to drop it clean to the fascia board causing it to run. So what I like to do is to take it to take to the fascia on each end of the house and draw a line between them to get a nice street. It’s full of drippage down about a half an inch away from that line and I create a nice gap between the kicker in the fascia now I just need a table.

I know we’re treating this roof as it was and I hate it, no self-sealing. Talk to some Wellington roofing companies to find one who can help you. This is actually a 30-consult paper lay right on top of the drippage. The purpose of this is that it’s actually a form to release between the roof sheeting and the underside of the roof shingle so they can move independently.

If any condensation should be under the roof shingles, install on the roof a standard three caption. When that sun heats up it actually closes the bottom part of the tab to the sheet, here we do roofing Lower Hutt. There it’s less than 36 inches wide and 12-inch high with a 6-inch overlap and a 5 inch reveal of the space right here at the bottom of the second.

To make sure that you review exactly, what I like to do is lay out the shingle onto the roof. So I put tape on the bottom here and I slide it down, I have an itch now so I can shingle going over. That helps run also for 5-inch increments on both sides and then you can snap a line between the transfer! I was just really sure that our rules were going to come straight across the room, and those vertical lines replaced every 6 inches would settle shingles off perfectly.

Contractors I Like

I really like plumbers. Plumbers are really good because they do stuff that I don’t like to do. I don’t want to get my hands wet. I don’t like to climb under the sink or under the house. They get paid for it. But I don’t want to and if I have to, I would much rather pay someone to do it for me.
An electrician is similar because he knows what to do. I don’t know what to do.

You know who I love the best is roofing Wellington, I love roofers because they climb on roofs and I don’t like climbing on roofs. I would rather sit in the pub and drink beer, that is much more enjoyable.

An electrician does though and that’s why he is so useful. If I have no electrician but I need to fix the light, well I can’t. All I can do is sit in the dark. So that’s why electricians are very good. I like electricians because they can do things that I cannot do. And I like planing contractors because they also like to do things that I do not like to do.

There are other contractors, for example people who do paving – they put the tiles down on the floor and stuff like that. And that’s great, tilers are very useful people. If you can get a tiler to put tiles down on the floor then you don’t have to walk on the concrete tiles like a very nice floor. Without tiles on the floor what are you going to walk on? You could have wood on the floor, that’s okay. But then you would need a carpenter. Carpenters can make many things out of wood. I like carpenters because they can make tables, and chairs, and other things that are made of wood.

A plumber has to work with pipes and because he works with pipes the water can flow through the pipes. This is very useful because as long as the water is flowing through a pipe it is not flowing onto the ground or onto your face. If the water flows onto your face, and not in a pipe, that is not good – that is bad. If the water is ever flowing all over the floor or onto your face, it is important to call a plumber straight away. You should already know that.

When employing a contractor (whether it’s a plumber, carpenter, roofing contractor or whatever) it’s very important that you don’t pay everything before they start because they might run away before they finish the job. You need to save some money until they’re finished and then when they’re finished then they get the rest of the money. So maybe you might pay them I half of it before they start and then the second half can they can receive after they’re finished.