Planning is the key to a successful renovation. A clear plan ensures your project stays on track, within budget, and meets your expectations. Here’s how the Refresh Renovations 5-step process helps guide your renovation from start to finish:
Your renovation journey starts with a consultation where we get to know your vision and needs.
This is the foundation of the project, setting clear goals for the renovation and ensuring we’re aligned on expectations. Our project managers work with you to understand your requirements and provide expert advice on the best approach.
Next, we move to concept design, where we create layouts and designs tailored to your goals.
This phase also includes assessing the feasibility of the project, ensuring the design works within your space and budget. Our project managers collaborate with the design team to ensure that everything is practical and achievable.
During this phase, we finalise the design, obtain any necessary building consent, and work with architects and engineers if needed. Our project managers oversee the entire process, ensuring the design is fully detailed and that costs are accurately estimated. This step ensures the project is set to move forward smoothly, with all approvals and plans in place.
Once the plans are finalised, construction begins. Our project managers ensure the build stays on schedule, coordinating trades and suppliers to keep things running smoothly. Regular updates and progress reports ensure you're informed throughout the process, and we aim to complete the renovation on time and within budget.
After construction, we conduct a final inspection to ensure everything meets your expectations. Our post-completion support ensures any final adjustments are made promptly, and we’re always available for ongoing assistance if needed.
At Refresh Renovations, we know that planning and project management are essential to a successful renovation. Ready to bring your renovation vision to life?
Contact us today on 0800-21-52-16 or email bronson.arter@refresh.co.nz to schedule your consultation, and let us guide you through every step of the process.
Check us out online at Refresh Renovations.
With falling interest rates set to continue over 2025 now is the time when many Kiwi homeowners can
start to feel the burden of keeping up with mortgage repayments easing. If this sounds like you,
refinancing your mortgage at this time could be a smart solution to ease the financial strain and finally
improve your overall situation.
Refinancing involves replacing your current mortgage with a new loan—often with better terms or a
lower interest rate. This can reduce your monthly repayments, help consolidate high-interest debts, or
free up cash for other needs such as family expenses, investments, or even a well-deserved holiday.
Here are answers to some of the most common questions about mortgage refinancing in New
Zealand:
Refinancing typically means switching from one bank to another or opting for a non-bank lender. The
main reasons to refinance include:
There are several advantages to refinancing, including:
Refinancing is only worth pursuing if it puts you in a better financial position. Here’s what to consider:
Paperwork and Spending Review:
Banks will closely examine your expenses, including daily living costs, childcare, and even
lifestyle spending like dining out. It’s wise to review your habits at least 3 months before
applying.
Costs:
Time Commitment:
You’ll need to provide documents such as bank statements, ID, and rates notices. A mortgage
broker can help streamline the process and save you time.
Costs vary depending on your circumstances, but here’s a rough breakdown:
Refinancing can feel complex, but with the right guidance, it’s a powerful way to reduce costs and
regain control of your finances.
Contact the experienced team at First Rate Mortgages today for personalised advice and support.
We’re here to help you make refinancing simple and stress-free!
iLender Welcomes 2025: Exciting Changes and Market Outlook
As we kick off 2025, we’re thrilled to share the first piece of news from iLender: we've moved to Gulf Harbour! We invite everyone to stop by for a chat, and we’ll even make you a great cup of coffee. It’s an exciting start to the year, and we’re looking forward to helping you navigate the ever-changing world of finance.
The most talked-about topic in 2024 was undoubtedly interest rates, and we anticipate this will continue to be a hot topic in 2025. The Reserve Bank of New Zealand (RBNZ) made significant moves in 2024, cutting the Official Cash Rate (OCR) by 1.25%. Many experts predict that further rate cuts will follow in 2025. Why is this happening? The primary reason is the state of the economy. The Reserve Bank is likely to continue lowering rates to help stimulate business activity and improve the overall financial health of the country. With the OCR cut expected to be 0.5% in February, we are bracing for more changes.
2024 also saw a couple of non-bank lenders exit the New Zealand market. However, their absence has quickly been filled by other players, ensuring that the market remains well-served. Despite the changes, we continue to see strong demand for alternative financing options, and we are committed to ensuring that our clients have access to the best options available.
After a couple of years of sluggish sales, the housing market is finally showing signs of recovery. New first-home buyers are making their move, and more recently, investors are returning to the market. Even Kiwis living abroad are jumping at the opportunity to buy back home. This surge in activity is promising, and it’s a great time to consider entering the market, whether you're a first-time buyer or an experienced investor.
As mortgage advisers, our role is simple: to secure the best possible financial outcome for our clients. While bank lending remains the most common route for many, a significant number of clients need the specialist products offered by non-bank lenders—at least in the short term. At iLender, we have access to all the major banks, non-banks, and private lenders, so we are equipped to handle nearly any financial situation.
We pride ourselves on being a local company with an impressive reputation. With more online reviews than most and a solid track record of national awards, we are recognized for the high-quality service we provide. Whether you're looking for assistance with first-home buying, property investment, debt management, development finance, or small business lending, we have the expertise to guide you.
If you're ready to take the next step, all it takes is a quick call to our office at 09 428 5333 or an email to help@ilender.co.nz or visit our website at ilender.co.nz. One of our team members will be happy to get in touch and assist with your financial needs.
Let’s make 2025 a year of opportunity and success. We’re here to help!
While everyone loves a big bathroom, the reality for many homeowners is that they will need to embrace a small bathroom layout. But with proper planning and expert advice, your small bathroom can still be fabulous – and functional!
The experts at Refresh® have picked five fabulous ideas to maximise your bathroom space, so whether you’re looking for small bathroom ideas on a budget, tips for creating a functional bathroom, or a space saving bath with storage, read on for advice and inspiration.
Don’t forget to check out our handy bathroom planning checklist, or for personalised advice get in touch with one of our friendly consultants for a free, one-hour consultation.
Keep the floor area clear and create the illusion of space by choosing wall hung designs for your bathroom renovation. Floating vanities, floating shelves, wall hung toilet suites, and even floating tall cabinets are all fantastic choices for small bathroom renovations.
Wall hung toilets not only provide more floor space, but they have an in-wall cistern that saves space and looks chic and streamlined. Floating bathroom shelves provide handy storage without the bulk of a cupboard, and floating vanities – especially slim line designs – feel less intrusive on the bathroom layout.
Your bathroom might be small, but that doesn’t mean your tiles have to be! Using large format floor tiles can trick the eye and make your bathroom look bigger than it actually is. This is because fewer tiles and grout lines make the space look less ‘busy’, which can make the room appear bigger. Less visual clutter will help the room to visually expand!
A small bathroom can feel even smaller if it’s dark and dingy, so lighting should be one of your top considerations when renovating your bathroom. Brighten up your space with modern bathroom light fixtures or take advantage of natural light with large windows.
Space constraints often mean you can’t extend the footprint of your bathroom but consider increasing window sizes during your renovation. The additional natural light will make your space feel brighter and bigger, plus it’s a great opportunity to add in some design flair. Think modern louvre windows to make a statement or consider casement windows that you can throw open to give your small bathroom a spacious and contemporary feel.
When it comes to bathroom ceiling light fixtures, recessed lights keep the space looking clean and clear, but don’t be afraid to add a statement look for visual interest. And don’t forget bathroom light fixtures above mirrors will maximise your light.
Installing a shower may appear straightforward, but it’s a good idea to spend a little extra time considering design features that can maximise your space. In-fold shower doors will fold into the enclosure of the shower to allow more space, corner showers can take advantage of curved sliding doors, and frameless glass will look minimalist while creating the illusion of a larger space.
Inside, make the most of unused space by creating recessed shelving to give you more storage and opt for minimalist plumbing fittings.
Making conscious choices about mirrors in your bathroom is one of the most cost-effective ways to make your small bathroom feel more spacious. They extend the walls, giving the illusion of more space, and reflect light to brighten up the room. Go large to make a statement, choose a mirror cabinet to provide storage, utilise LED lighting around the mirror, or make an impact with multiple mirrors in the space.
Article provided by Refresh® Christchurch. Refresh® Rodney can help with all your local bathroom renovations. Call Bronson on 0800 215 216 - bronson.arter@refresh.co.nz - https://bit.ly/refresh-rodney
Disclaimer: Our online business directory lists over 2,200 local businesses however be aware it is an almost impossible task for this to always be completely up-to-date so please use as a guide only - if you find any discrepancies please let us know on hibiscuscoast@linku2.co.nz - thank you!
When it comes to property it can be daunting. It doesn't matter whether you are looking at buying or selling a property, up-sizing or down-sizing, investing for your future, doing a few touch ups round the house or garden, considering a whole new build or just need a little maintenance or tender loving care it's all going to cost money and you want to get it right!
That's where you are in luck on the Coast as, you may not believe it, but construction is our biggest industry, and we have all the local experts you need to help and, if you are buying or selling, being the second highest most populated area (and continuing to grow rapidly) in Auckland, there's no lack of properties available and agents to help you find what you want!
First and foremost you can find all types of local businesses in the Property Section of our Linku2 Hibiscus Coast business directory, whether you're looking for a bricklayer, hedge trimmer, lighting store, mortgage broker, security service or more ...
It doesn't matter whether you are a first home buyer, a growing family, want to downsize for retirement or sell to free up funds, you will need to ensure you seek the services of a few experienced people along the way.
When looking for a real estate company or agent there are a few pointers you can follow including their experience in the area you are selling in or hoping to buy in. Check out local options in our directory Real Estate category and one recommendation who knows the Coast well, as well as having a background in marketing is Tim Hansen (As noted above this list is by no means comprehensive or completely up-to-date but a guide - it's an ever changing industry and many agents aren't listed)!!
As well as help from an agent you may also need to consider finance. Remember don't just call your local bank and expect to get the best deal. The best option is to contact a mortgage broker who can help and probably save you a lot of money (and perhaps heartache) in the process.
First Rate Mortgages based in Orewa can help you with not just home loans and finance but can also focus on arranging business finance, residential or commercial property investment, construction finance, refinancing, and debt consolidation. Alongside First Rate, their sister company NonBk Ltd "Solving Problems with Solutions" can be a great option to call upon if you are self-employed, looking for second mortgages or maybe have a bit of a financial past that may rear it's head if you're not careful! Check out what they can do for you or contact them on 09-426-8927 or info@firstratemortgages.co.nz or solutions@nonbank.co.nz depending on the service you need.
Another option is iLender based in Whangaparaoa, Jeff is a "Financial Paramedic" and as he advises, "When looking for home finance seek out an experienced Mortgage Adviser who can look at all of the bank and non bank options so you can go looking for a new home with confidence. Local business iLender has helped 100's of people over the years (read their reviews) and Jeff Royle is happy to discuss any situation either over the phone or pop into the office in Karepiro Drive. A lot of people get knocked back by their bank and think that's the end of the line. It is not! Jeff and his team cover all lending options ensuring that you get the best possible advice. 09-428-5333 or help@ilender.co.nz"
Check out a comprehensive local list of mortgage brokers and financial services.
You may also be wise to consult your accountant, especially if this is an investment property or you need help with Kiwisaver withdrawals. If you don't have an accountant you may want to have a chat with Gerard at Turnbull & Associates in Whangaparaoa or check out our comprehensive list of local accountants and bookkeepers.
Again if you are looking at buying new off a house and land package, organising your own build, want to do some upgrades to your home or garden or just need to get some maintenance done you don't need to look far to find a local expert.
If you want to ramp up the security at your place then you need to talk to Jason at King Locksmiths who can ensure your place and your valuables are safe and secure and advise on the best systems and management for your pace of mind, or, if it's an alarm system or maintenance you're after give Trevor a call at TDS Security.
If it's garden maintenance you're after you'll want to check out our Landscape and Garden Services and Products category or you may need the services of an arborist or hedge trimmer! That garden really can be a haven to enjoy once you give it that makeover!
And if all you feel is important to get done is a good house clean and, especially if you have a wish to be friendly to our environment then you can guarantee the best cleaning products are available right here on the Coast from Stephanie at Insinc Products.
There has been, and continues to be, so much development across the Hibiscus Coast so if you're looking for a local you can check out our directory categories for all services such as Builders and Developers, Property Maintenance, Bathroom and Kitchen Design Services, Plumbers, Storage, Carpet Retailers, Pool and Spa Services and everything in between in our Property Section.
Regardless of what it is you need or should be doing locally make sure you stay and use our great locals so we can all help each other to Go Local, Grow Local ...
Decorating - Colour Schemes - Bring a Taste of Tuscany into your Home Renovation - Checklist When Buying a House - 10 Tips on How to Fix a Tired Property: How to Prepare Your House for Sale - Tips and Tricks for Avoiding Lockouts from Your House or Car
Choosing a colour scheme for a room can seem daunting, but here’s a straightforward approach to create a balanced, cohesive look.
Step 1: Start with a Pattern: Most rooms already feature a pattern, unless this is a new build, whether it’s in a rug, artwork, bedspread, or upholstery. Starting with a pattern makes it easier to build a color palette, rather than trying to find a pattern to fit an existing scheme. The colours in your pattern will guide the room’s overall palette. If you are starting with a clean slate then decide if you want to introduce any pattern forms.
Step 2: Pick Three Colours: From your pattern or palette, choose three key colours: one light, one medium, and one dark. These will form the basis of your colour scheme.
Step 3: Use the Light Colour for the Background: Apply the lightest shade to the walls and floor. If the colour feels too intense, consider toning it down with white or gray. For a grounded look, make the floor slightly darker than the walls and ceiling.
Step 4: Use the Medium Colour on Larger Items: The medium tone should be used on larger pieces, such as window treatments and furniture. Ideally, these items should complement the wall and floor colour to maintain a harmonious look.
Step 5: Accent with the Darker Colour: Add the darkest colour through accessories and smaller furniture. These accents bring depth and interest to the room. Balance the placement of these accents to ensure the room feels cohesive, with the eye naturally drawn to the darker, bolder elements.
Our environment has a subtle yet profound effect on our moods and well-being, often without us being fully aware of it. A thoughtfully designed home remodel can capture a specific atmosphere, like bottling a fine wine, letting you enjoy that mood every day. Tuscan design embodies the craftsmanship, history, and spirit of Renaissance Italy, infusing your home with the charm of Florence, Siena, Pisa, and the Tuscan countryside.
That said, Tuscan style is not for every home—it’s bold and sensory. The colours are rich and warm, and materials like stone and specialty tiles can be expensive. However, if you’re drawn to this aesthetic, it can be achieved, sometimes more affordably than you might expect.
A great entry point into Tuscan design is through its distinctive colour palette. Many Tuscan-inspired remodels start with paint. Burnt sienna, a warm, earthy shade reminiscent of a sunset, is a hallmark of Tuscan style. The palette reflects the natural landscape of Tuscany, with shades of deep blue-green from the Tyrrhenian Sea, vibrant blue skies, and the golden hues of sunflowers.
The living room is an ideal space to experiment with these bold colours since it’s a neutral area where strong hues won’t affect sleep or meal times. If painting the kitchen, remember to harmonize the colours with the room’s dominant tones.
Tuscan-style flooring typically includes terracotta tiles, travertine, tumbled stone, and wood planks. Handcrafted terracotta tiles, fired to a hard, durable finish, have a timeworn surface that complements antique-style wall finishes. The iconic burnt sienna colour comes from Siena, a Tuscan city where the clay is mined and fired to achieve its reddish-brown hue.
Tumbled stone or travertine tiles are another option, with their textured surfaces and rounded edges evoking the look of floors that have seen centuries of wear. Distressed wood planks, typically six inches wide, add an antique feel with pre-aged impressions, enhancing the rustic charm.
If a full Tuscan remodel feels too much, consider starting with the kitchen. Tuscany is closely associated with hearty, flavourful cuisine—porchetta, pasta, olive oil, and more—so it’s a natural fit for this style.
Tuscan kitchens often feature solid wood cabinetry with dark stains and intricate detailing. Stone veneer is frequently used to frame the oven or stove with a dramatic arched surround. For a budget-friendly touch, consider a premium Italian tile backsplash, focusing on a small area like behind the stove or adding accent tiles to bring in a touch of Tuscan flair.
Stonework, even when replicated with manufactured stone veneer, is central to Tuscan design. This cost-effective alternative mimics real quarried stone, offering the timeless look of Old World craftsmanship without the expense or complexity of traditional stone installation.
When purchasing an existing house, there are several key things you should check. Here’s a summary:
Ask the agent and seller about any known issues with the house. They have a duty of care to research and disclose any matters that could be of concern.
Inspect the house thoroughly, paying special attention to:
You should also pay attention and look for any signs of potential leaking, eg:
You should also:
Do not sign the contract until you are sure it meets your needs and all concerns have been addressed.
When getting your home ready to attract potential buyers, there are several important steps you can take to maximize its appeal.
1. Start by emotionally detaching from the house. Shift your mindset from seeing it as your "home" to viewing it as a property that’s ready to be sold. If this is difficult, imagine yourself in the new home you’re hoping to buy, handing over the keys and moving on.
2. Depersonalise the space by removing personal items like family photos and mementos from visible surfaces. Creating clear and uncluttered spaces helps buyers envision their own belongings in the room, making it easier for them to imagine living there.
3. Don’t overlook the small details. Simple updates like replacing old kitchen cabinet knobs with modern ones can quickly refresh a space. The same applies to bathrooms - swapping out towel rails, toilet roll holders, and adding plush towels or decorative soaps can elevate the room’s style.
4. Invest some effort into deep cleaning. Ensure windows are spotless, cobwebs are removed, walls are wiped down, furniture is dusted, faucets are polished, and dirty grout is bleached. These tasks can make your home feel fresh and well-maintained, particularly in the kitchen and bathroom, which are key areas of interest for buyers.
5. Enhance the exterior by adding a few brightly colored potted plants near entrances, on decks, or along garden edges. These touches can create an inviting atmosphere and can be taken with you when you move. Additionally, tidy the garden, trim hedges, and mow the lawn to boost your home’s curb appeal. If you need help or advice with this give Jake a call at Allout Hedge and Tree Maintenance Ltd and check out their landscaping support they can give you with that first impression!
6. Make sure the entrance to your home is decluttered and welcoming. Since this is one of the first impressions buyers will have of the interior, you want it to feel open and inviting, not cramped or cluttered.
7. Evaluate the overall curb appeal of your home. Consider if the exterior needs a fresh coat of paint, or if the deck could use some staining. Even small updates, like replacing house numbers or adding a new welcome mat, can make a big difference in creating a positive first impression.
8. Organize closets and cupboards, especially walk-in wardrobes, as buyers are likely to peek inside. Neat, well-organized storage spaces not only look more attractive but also make packing easier when it’s time to move.
9. If your home is crowded with furniture, think about renting a storage unit. Reducing the amount of furniture can make your home feel more spacious and appealing to a broader range of buyers. Decluttering in general will also help create a more open and inviting atmosphere.
10. Finally, after completing these preparations, take a step back and evaluate your home from a buyer's perspective. Drive up to the house and walk through it as if you were seeing it for the first time. If anything catches your eye in a negative way, address it before listing the property.
By following these steps, you’ll be well-prepared to present your home to potential buyers, setting the stage for a successful sale and paving the way for your next move.
To find a range of local businesses who can help you with what you may need to FIX check out our Local Business Quick Guide.
If you're worried about getting locked out of your house or car, here are some tips and tricks to help you avoid that situation.
Home lockouts can be frustrating and distressing, but they are common. Fortunately, there are several things you can do to help avoid being locked out of your home.
By following these tips and suggestions, you can significantly reduce the chances of experiencing a lockout and ensure that you always have access to both your house and your car. However, if you do find yourself in that situation, the local professional to call is Jason from King Locksmiths.
King Locksmiths, 34 Bay Vista Drive, Red Beach, Whangaparaoa
0800-55-79-79 - jason@kinglocksmiths.co.nz - https://kinglocksmiths.co.nz
