Greenlight - mortgages & insurances

Let's hope it continues !!

Major bank dropping home loan interest rates from today It comes after a number of other cuts among the leading banks in recent months.

💲💲💲Refix or Refinance ?💲💲

This is a very common question - but it is not that straight forward

Times are tough, the cost of living is high and your Mortgage Fixed Rate is due to finish - you are potentially looking at interest rates over 6.5% and you are probably thnking what is the best option for me.

Everybody's situation is different, therefore there is never one answer that suits everyone.

This is why it is important that you have your Mortgage reviewed by a qualified, knowledgable Mortgage Adviser who can help navigate this.

The Banks do not show you how you can save thousands of dollars worth of interest by structuring your mortgage right, nor do they show you how you can reduce your loan term frm 30 to 15 or 20 years !!

If you want to know what is the right option for you - please get in touch and let us help you !

Team Greenlight Noel and I have some wonderful news to share with you all.

Noel’s sister in law- Tiffany Head has decided to branch out into the self- employed business world and is now working for the brand Travel Expert www.travelexpert.co.nz

Tiffany and her fiancé Heinrich have been longstanding and loyal clients of Greenlights and during this time having referred a number of clients to us. It is Noel and my view that the least we could do is to let our clients know.

What has Tiffany got to say:

Whether you are travelling for leisure or business, planning a solo adventure, romantic getaway, family holiday or luxury escape. Let me guide you from start to finish for a seamless and memorable journey.

I have a wealth of knowledge and expertise across all aspects of travel after nearly 20 years in Corporate and Retail Travel. The majority of my career was with Flight Centre working in Retail stores. I may have crossed paths with some of you when I was managing Napier Flight Centre. For 6 years I was based at Flight Centre’s Head Office managing a $4 million dollar portfolio of medium to large buisnesses.

At Travel Expert we take pride in offering our clients a professional full service travel solution. Working flexible hours allows me to discuss your travel requirements at a time and place that suits you best. Providing 24/7 support for our valued clients is something Travel Expert is proud of, along with a very personalised experience from start to finish.

If you take your KiwiSaver and or planning for your retirement seriously and you should- the first steps re positioning yourself for a happy retirement are:

(i) letting Team Greenlight - Noel and Wendy help you find innovative ways to extinguish home loan debt.

(ii) letting Team Greenlight- Noel and Wendy help you with your KiwiSaver- options- structure of your investment portfolio.

(iii) Team Greenlights- Noel & Wendy strong endorsement- well we vote for Koura KiwiSaver- Koura Wealth- Rupert Carlyon and his amazing Team.

Please take five minutes out of your busy schedules and have a listen to my business partner- Wendy Sheehan. Feel free to share the link with your friends- your family - your work mates. Wendy and I await their phone calls and or yours.....................

When you first came on board- joined Team Greenlight words that Wendy and I would have used are words like- "Tailored Financial Coaching" +++ "one stop financial shop"- hmmmmmmmmmmm

Greenlight / kōura partnership This is "Greenlight / kōura partnership" by kōura KiwiSaver scheme on Vimeo, the home for high quality videos and the people who love them.

There are some changes coming!!

Hello from Team Greenlight,

We are sending this notice out to let our clients know about an exciting change within Greenlight - mortgages & insurances and to give an update on the current market.

Noel (me):

Just so you know (please don’t fall out of your chairs) but I am now closer to 65 years young than to 55 years young. And yes I have been thinking long and hard about my future and the future of Greenlight. Wendy has been an important and integral part of my long term thinking long term succession planning.

Over the last four - five years as clients of mine you would have been having much more “day to day” interaction with Wendy as opposed to me. This was a conscious plan of attack and effort on my part as I wanted you all to get to know Wendy and to work with her. She relly is out of the top drawer isn't she.

It is with a level of excitement but tinged sadness that I announce to you all today that Greenlight- mortgages & insurances has been sold effective 31st July 2023. Greenlight will be 100% owned by Wendy Sheehan - WSFS (2020) Limited t/a Greenlight- mortgages & insurances. Wendy often being referred to by me as my 2iC- right hand lassie, well the roles are about to change. Wendy will now be my new boss, hopefully she is not too hard on me lol.

Wendy has most certainly earned this opportunity and she is grabbing it with both hands. I know she is very excited about taking charge and working with you all and me going forward.

You are not shot of me just yet. I have agreed to stay on with Wendy for the next 12- 18- 24 months from date of sale but my job title will be changing from Business Owner to Business Partner.

I will still be actively writing business in my role as an accredited and NZQA qualified mortgage and insurance adviser and providing our clients with the same high quality advice and service. I hope you can all join with me in congratulating Wendy in her new role/journey/business opportunity.

The Market:

Team Greenlight - Wendy and I are not economists far from it. But the harsh reality is that there is not one bank economist and or independent economist who has picked it 100% accurately and or right in the last three years- pre and or post covid.

I was talking to an economist a few years back and this is what he said to me: “Noel if the news is good I talk about the present- if the new is not good I talk about the trends over the last 10- 15 years”. The key message is that the markets (all markets) are cyclical - what goes up will come down and vice versa.

It is Team Greenlights view that in 12- 18 months time, interest rates will start to slowly fall, pull back and house prices will start to track upwards again and the list to sell days will shorten. So there you have it, it is still a good time to buy, it is still a good time to upgrade, it is still a good time to invest. Team Greenlight- Wendy and I are here to help out, all you need do is ask !

HR- recruitment:

The next challenge for Team Greenlight, Wendy and I is we need to recruit another mortgage adviser and we also need somebody with high end administration skills as we really do need some admin/PA support so that we can continue to focus our energies on growing the Greenlight brand, growing the wider business.

Both roles will be “operate from home” roles, remote, flexible hours and you will have ongoing access to myself and Wendy for your T & D - training and development needs We are not interested in bean counters or paper pushers, we are looking for sale support.

If you think this could be you or you have friends or family that you think could fit the bill, please let Wendy and I know.

So where to now - onwards and upwards.

Take care

Noel Hanson

Wendy Sheehan

https://chng.it/BxvhRtD6w8

Sign the Petition $10billion of wage subsidies overpaid or wrongly retained – Demand MSD get your money back

Just a wee note out to the clients of Greenlight- mortgages & insurances and or any followers of our FaceBook page that may be out there.

Leanne and I have had some painting work done around Greenlight's Head Office- the family home i.e. 149b. The work was carried out by Bay Decorating- Tim Howell and his lovely fiancé Nicole.

For those that know me you know full well that I always call it how it is. Bay Decorating- Tim and the Team did a wonderful job and I highly recommend them.

Their contact details are:

E- mail: [email protected]
Mobile: 027 911 7495

Not only did they do a "great" job but they were also a pleasure to deal with- nothing was a hassle or any trouble.

Thank you so so so much Tim and Nicole

Support post Cyclone Gabrielle
Greenlight - Noel and Wendy extend our heartfelt sympathies to those of you have been affected by this event.

We are here to help
We are all shocked and saddened by the events of last week, it was absolutely devastating to see so much destruction, so many homes destroyed and so many people affected by this horrifying event.

Noel and myself would like to extend our condolences to those who may have lost family and or friends, those who have been misplaced and those who's lives have been turned up side down.

The assistance from the local communities, businesses and other towns and cities has been amazing and really drives home the caring nature of New Zealanders and makes us all proud to be Kiwis.

We understand that a lot of clients may be going through some very tough times and worrying about paying your Mortgage and Insurances may be very low on this list.

The insurance companies and lenders have all advised of support packages they have put in place to assist during this time.

Please if you are in need of support - Please contact Noel or myself and allow us to do what we do best - help remove the stress at an already stressful time.

We are both now back up and running and both our homes have not been affected by the Cyclone, we are here to help if you need us.

Greenlight - mortgages & insurances
41 McGreevy Street, Waipawa
New Zealand

facebook
You received this email because you are a valued client of Greenlight

Unsubscribe
Sent by MailerLite

Greenlight - mortgages & insurances Here at Greenlight - mortgages & insurances we offer Tailored Financial Coaching, this includes all

A very Merry Christmas and Happy New Year from the team at Greenlight

Wendy and Noel

OMG

'We should be worried': Record-breaking interest rate hikes anticipated ahead of cash rate announcement "Despite all of the work that the Reserve Bank has done so far to try and get inflation under control… we're still not seeing any real effect."

To our fantastic clients- your friends- your family- your work mates:- a few salient points (well I think so):

1. Please DO NOT be led into the pit of despair by all the negativity around the place at the moment.

2. A lot of it generated by the financial commentators and the world renown crystal ball gazers often referred to as the economists +++ don’t forget the “transformational” Labour government- Jacinda and her Jacinda- ites none of what they have done has caused any of this- pigs fed ready to fly………………………………...

3. But explain to me after the multi- billion dollar profits that the BIG boy banks declared this year. If the OCR moves up by another 0.75% (and it is going to)- then why do the banks have to move their housing IR’s up by the same percentage. Words like greed- profit gouging spring to mind.

4. Grant Robertson the M*F is happy with that because he thinks- he feels that New Zealand needs a strong banking sector but not so the $140M profit over about 10,000 groceries stores- the Countdown, New World, 4 Squares and Pack in Save- he is anti that isn’t he- go figure!!!

5. Now is the hour…………………………..

6. Now is the time to be talking to Noel & Wendy- your Greenlight- mortgages & insurances "A" Team- we can help- we will have some solutions to hopefully soften the blow.

Kia kaha- please be strong........................................Noel & Wendy @ GL

Biggest OCR rise ever: Here's what the governor said - TMM Online The Reserve Bank has increased the OCR 75 basis points - its biggest rise ever. Here's why.

To view our latest Newsletter with some important information for our clients please click the following link:

Hello from Noel and Wendy at Greenlight I am sitting in my office at 149b typing away and the sun is shining through the family room windows and there are four- five Tui’s dive bombing each other and chirping away merrily- Living the dream, a birds life !

Nothing like a little Study/Upskilling for a Monday morning.

If you want to talk about your KiwiSaver Investment and how to get the most out of it for your First Home Purchase or Retirement contact Noel or myself today !!

If you are looking to get your finances in order in preparation for buying your First Home the Budget Advisers are well equipped to assist you with this. Contact the team and have a chat...then contact us to reach your Home Ownership goals !!!

Its that time again!

Our MoneyMates workshop is tomorrow at EIT Waipukurau at 10am.
This week we are diving into BUDGETS - The importance of them and how to put your own together and stick to it.

Come along, even if you haven't been before!

🏡****IMPORTANT INFO FOR FIRST HOME BUYERS ****🏡

FIRST HOME LOAN - how this could help You to purchase your first home !!!!

The Government has made some positive changes to Kainga Ora's First Home Loan and the First Home Grant.

First - what is the First Home Loan ?

The First Home Loan scheme has been designed to help eligible first home buyers buy a first home with as little as 5 per cent deposit. (income caps and lender requirements apply)

These changes will make it easier for a lot of First Home Buyers to purchase their first home.

The main change has been the removal of Price Caps across the whole of New Zealand. Previously in Central Hawkes Bay to buy under the First Home Loan Scheme the maximum Purchase Price was $400,000 which we know was near impossible to find a home within this range, in Napier and Hastings this was set a little higher at $525,000. These caps have now been removed which has given First Home buyers much broader options.

There has also been a change to the First Home Grant - Provided you’ve been contributing to KiwiSaver for at least three years, you may be eligible to receive up to $10,000 per applicant under the First Home Grant to use towards buying a new build or existing home, up to the value of the house price caps in your region. The house cap in Napier and Hastings has increased to $825,000 and Central Hawkes Bay has increased to $500,000.

There has also been changes to the Income Caps as follows:
Maximum income of $95,000 for a single applicant
Maximum income of $150,000 for a single applicant with 1 or more dependants
Maximum income of $150,000 for combined income for 2 or more buyers regardless of dependants

So if you have been waiting to purchase your first home and have at least 5% deposit saved (this can be your KiwiSaver) then get in touch and receive appropriate advice and guidance throughout this process.

Now might be your turn !!!

Contact Wendy or Noel at Greenlight now !

For more information on the First Home Grant : https://kaingaora.govt.nz/home-ownership/first-home-grant/

For more information on the First Home Loan:
https://kaingaora.govt.nz/home-ownership/first-home-loan/

Surely if FHB- first home buyers who have bought their first homes in the last one- two- three years with so called "low equity" are most at risk if house prices decline- fall. Surely they are only at risk if they decide to sell up???

My advice to that audience and we have a lot of clients like that within our Greenlight client base. My advice is to hunker down- tighten the belt- cut back the non - essential/ discretionary spending and keep your loan repayments up to date and current.

But heh Wendy and I as accredited and qualified mortgage- insurance advisers what would we know??? I am not an economist and or the Reserve Bank governor- read and enjoy this slanted article (my view anyways)......................................

Tailored Financial Coaching- TFC from the Greenlight Team is your best option going forward but I could be biased- may be, may be not- hmmmmmmmmmmmm

https://www.msn.com/en-nz/news/national/particularly-vulnerable-reserve-bank-warns-of-larger-housing-correction/ar-AAWTCoo?ocid=msedgdhp&pc=U531&cvid=fd8c36cbf45a4362cd989bd0ccacbd04

'Particularly vulnerable': Reserve Bank warns of larger housing correction It says current house prices are still unsustainable.

Question:- name two fully qualified mortgage and insurance advisers who by way of their NZQA qualifications and their industry experience are able to provide "Tailored Financial Coaching" which is both practicle and real and will help you navigate through these rising IR times??? Clue initials are WS & NH- we are here to help- this is not lip service- this is fact!!!

https://tmmonline.nz/article/976520163/what-the-rbnz-said-monetary-tightening-brought-forward?utm_source=GR&utm_medium=email&utm_campaign=What+the+RBNZ+said%3A+Monetary+tightening+brought+forward #

What the RBNZ said: Monetary tightening brought forward - TMM Online The Reserve Bank hikes the OCR 50 basis points to 1.50%

A quick update from Noel & Wendy at Greenlight

The 2021- 2022 financial year is almost at an end- the 31st is fast approaching.

Wendy and I have had a very busy but productive year. A number of you (our valued clients) really do see the value of our “Tailored Financial Coaching”. A number of you are reaping the clear FAB’s- features, advantages and benefits of channelling your income through your Revolving “day to day” Transactional Account and meeting most of your personal expenses via your credit card but the biggie- you are clearing your credit card balance monthly.

Greenlights CORE Services

1. First home buyers- helping clients into their first homes.
2. Second and third home buyers, trading up or trading down.
3. Investors- helping our clients into residential rental investment property.
4. Refinancing- we do a lot of good work in this space. Fundamentally we compare what the client currently has and with whom (the lending provider) versus what you could have via us via our “Tailored Financial Coaching”. We share with you what the banks do not share with you and what most Mortgage Advisers are oblivious of. Our 100% focus is helping our clients extinguish their home loan debt but without compromising their lifestyles.
5. Risk Insurance - Personal Life, Health, Income Protection and Trauma Insurances. Often we are finding what a client currently has is 100% inappropriate and that it has not been reviewed for 5- 10 years. Did you know that in New Zealand 50%- 55% of New Zealanders are either not insured and or are inadequately insured ?
6. KiwiSaver- we have Teamed up with another KiwiSaver provider, we now deal with Koura KiwiSaver through Koura Wealth and Generate KiwiSaver
7. “Tailored Financial Coaching”- TFC.
It may be of interest for you to know that Wendy and I do not spend vast amounts of money on advertising and marketing, lets say minus the odd nice Greenlight- mortgages & insurances branded cake when the clients loan settles and or when the refinance is completed.

No exaggeration- fact!!!
Did you know that 95% of all of our new business comes from client referral. If we move our clients from “client” status to “advocate” status they refer their friends, their family, their work mates to us and they only do that if they are happy with what we are doing for them.

Wendy and I were talking about our client base, the “mix and match” of same the other day. I asked Wendy if she knew the theory about fishing and why when four blokes are out at sea fishing (a boys big day out) and one of the guys hooks up a 15 lb snapper, did she know why the other three blokes get so excited, do you know why - do you know the answer???

I will tell you why, I will tell you the answer. Big snapper do not swim around with little snapper, hence the term “schools”. Sales theory 101, if a client refers to Greenlight, to Wendy or I, they never never never refer down, they will refer up and they will refer across. Tradies hang around with tradies, professional hang around with professionals, teachers is a classic example of that as are mechanics.

How can you help Greenlight grow ?

So here is my request

I would like everyone of you- our valued clients (that is 300 clients) I would like you to refer at least one client- one couple to Wendy or I before 30 April 2022.

I guarantee you that these potential new clients referred to Greenlight will thank you big time for when you (and Greenlight) save them $200,000- $300,000 in interest costs. Your referrals will not go unnoticed, not acknowledged. Wendy and I will force you to join us for a nice coffee and morning tea courtesy of the bank of Greenlight.

The BEST business is referred business. Wendy and I cannot do it by ourselves, we really need your help during Covid and during this rising interest rate market, we need to help you navigate your way through the CCCFA Act 2020 that came into being 1 December 2021.

Let’s make it happen- NIKE and “just do it”………………………………………

Have a great rest of the financial year (two more weeks) from Team Greenlight- mortgages & insurances.

Noel & Wendy

Dr David Clark ex Minister of Health sacked after his cycling escapades during the very first covid lock now Minister of Commerce really does deserve a knighthood for his contribution to out and out stupidity re all things CCCFA Act 2020 and lots of other stuff- who agrees with me???

https://www.newshub.co.nz/home/politics/2022/03/the-perennial-problem-confronting-lenders-with-government-s-new-cccfa-affordability-rules.html?fbclid=IwAR0sGqjlX7bDjsq8TWXCuMG-mMBqp7LKg34Jh79eSe5sc2qPdE1QujHSJ9M

The 'perennial problem confronting lenders' with Government's new CCCFA affordability rules A financial coach says the methods lenders use to assess affordability are "clunky" while the consequences for breaking the law are "severe".

This article below may be of interest to you as our very much valued clients.

I am going to put my neck out and speak for the ENTIRE Team @ Greenlight- mortgages & insurances.

Wendy and my work life balance is about right. We talk to each other most days and we are in supporting each other mode all the time- we are a GREAT Team- she is a wee cracker!!!

Wendy and I both place family above work and closely in behind that we place value and priority on you good folk as our clients and looking after your financial needs. You are indeed the life blood of our financial services business.

The bar re industry and academic qualification has been raised and the need to do the study was clearly flagged to the adviser network three- four years ago. We know a number of advisers both inside and outside of the wider Hawke's Bay have not completed and or even started their studies and they have until 15 March 2023 to do that. If they do not do that they cannot operate so yes the pressure is on them and I mean BIG time to complete. Perhaps that and the CCCFA Act 2020 and the flow on's impacts from that legislation is pushing their stress levels skyward for some- perhaps???

Mental health and wellbeing is never to be watered down it is a serious topic. What I have learned over time is that regular exercise (for me walking and golf)- healthy food- healthy sleep, low intake of alcohol- no recreational drugs, lots of variety in your life- spending time with your kids (young and or old), surrounding yourself with positive people- friends- clients. Keeping the misery gut's out of your life and that then goes a long long long way to contentment- happiness- the right work- life balance.

Re industry qualifications- both Wendy and I have our NZQA qualifications so that means that when you come to us you are getting our 100% focus and our attention- we are not distracted and concerning ourselves about the overdue assignment due in the coming weekend.

For us to attain our NZCFS level 5- CORE, Residential Lending & Life Health has been a huge time commitment (weekends- family time)- about six months of extramural study per paper but it is done - it is dusted- we move on.

Read the article below and be very very very rest assured that Team Greenlight - Wendy and Noel are not in burn out mode as that would do us no good, no good for our family and friends and no good for you as our clients- read and enjoy and comment if you so wish.

Request- the best business is the referred business.

In these confusing- covid times perhaps your friends- your family- perhaps yourself would benefit from a full and thorough financial review- financial health check- we bleat on about this but Greenlight is about "Tailored Financial Coaching"- why not give us a go????

Have a look at and or get your friends to have look at this link and register- we are here to help- we want to help- it is our job to help!!!
https://www.greenlighthb.co.nz/resources-enquiries

https://tmmonline.nz/article/976519925/quarter-of-advisers-consider-quitting-due-to-stress?utm_source=GR&utm_medium=email&utm_campaign=Quarter+of+advisers+facing+burnoutconcerning

Quarter of advisers consider quitting due to stress - TMM Online New research into the mental health of financial advisers across New Zealand has found an increase in work burnout and deteriorating mental wellbeing.

Looking to purchase your Dream Home in 2022 ??🏡 But a bit wary about the new CCCFA regulations and not sure how this could affect you ?

Now more than ever it is important to know the ins and outs of a Home Loan Application

This is where we come in. As industry qualified Advisers we can walk you through the new regulations and provide you with advice as to how to present the best application to get the best result.

We provide Tailored Financial Coaching to assist our clients with the “Big Picture” not just the home loan.

Contact us now to discuss how we can help you.

Wishing you all a Happy and Safe Waitangi Weekend

Hmmmmmmmmmmmmmmmmmmmmmmmmmmmm- "no new taxes" Labour's promise is well and truly out the window.

I thought hard working Kiwi's of which most of our clients are- in particular business owners- may find this article of real interest and also those that don't like hard graft- hard mahe- or like to pay their own way- work........................ I vote catcher funded by small business and ALL of the employed- OMG but at least the borders are opening up......................................


Dear Supporter,
So much for "no new taxes"
This morning Grant Robertson unveiled a brand new tax on employment, to fund so-called "unemployment insurance".
The "insurance" is essentially a pumped-up benefit. Labour wants to pay a massive 80 percent of prior income – up to $1820 a week – to those who become unemployed.

Needless to say, that is far, far more generous than existing benefits, and creates a perverse incentive to be made redundant, and to put off finding a job.
Why bother finding work when you can take a six month holiday on nearly full pay, courtesy of the taxpayer?
This policy is a productivity killer, and will increase unemployment. If you tax workers more, and then pay them more to not work, you’ll inevitably see fewer people working and more unemployed.
And the payouts don't come cheap: two 1.39% levies on the worker and employer will effectively stack together as a 2.78% tax on income – an extra $1,580 per year for someone on the average wage.
The tax is especially unfair on the responsible hard workers with stable careers and happy employers. They’ll pay the tax but may not ever get the payouts.
We can stop this
We need your support to ensure Grant Robertson's new tax turns into an election-losing issue for Labour.
In November we commissioned independent polling from Curia Market Research that asked respondents: Would you be happy to pay $1,000 a year more in income tax in return for a compulsory unemployment insurance scheme which would see someone made redundant receive 80% of their old salary for six months?
Only 31% supported the proposal, versus 42% opposed.
The Government will soon open a period of consultation on the scheme. With 165,000 subscribed supporters, we will swamp the select committee with submissions against the new tax, denying the Government the opportunity to claim public support.
And if the Government pushes ahead, we will ensure Labour is hounded during the election year over its failure to keep the "no new taxes" promise.
David, will you support our efforts?

Unemployment insurance on Taxpayer Talk
Last week, before the details of the scheme were confirmed, Jordan sat down with Otago University economist Dr Dennis Wesselbaum to discuss the disturbing effects of social insurance policies on productivity.
Click here to listen to the podcast episode on how Grant Robertson's unemployment insurance scheme is, as Dr Wesselbaum says, "against every lesson economists have learned" – and how unemployment insurance could be introduced in a more sensible way.

Louis Houlbrooke
Campaigns Manager
New Zealand Taxpayers' Union
PS. Hard-hitting memes like the one below are very effective at reminding New Zealanders how the Government is abandoning its promises to taxpayers. If you chip in to our campaign fund, we can reach a wider audience and hold the Government to account.

Click here to share the meme on Facebook.
New Zealand Taxpayers' Union Inc. · 117 Lambton Quay, Level 4, Wellington 6011, New Zealand
This email was sent to [email protected]. To change your email preferences, click here.

This is what Leanne aka Mrs H and I did for three- four days this last week.

If you like the great outdoors- if you like undisturbed native bush and bird life and if you like to tramp in a group of no more than 10- 11 this is amazing. The owners Iain & Rebecca Durry aka mine host are- were terrific.

Do I- would I recommend the Kawakawa Station walk- tramp- yes I would.

By all means make contact with me and I can tell you first hand.

https://kawakawastation.co.nz/station-walk-wairarapa

https://www.facebook.com/kawakawastationwalk/

Kawakawa Station Walk Kawakawa Station Walk is a unique private coastal walking experience at the Southernmost tip of the