Why You May Need A Mortgage Broker

If you are in the market for a mortgage for a new home or new rental property or commercial property, or perhaps for a better deal on your existing mortgage, then a sensible  approach would be to find a good mortgage broker. While  banks deal with a little over 50 of all mortgages in New Zealand, they generally don’t provide as wide a range of services or cover as wide a range of products as mortgage broker do.

There are many areas that mortgage brokers in Wanganui are important for, the most common being that the brokers look right across the banking sector and the second tier lenders for the very best thing for a client. Mortgage brokers a lot more heavily regulated, and they have  a large incentive to provide the best possible advice and find the best solution for their clients, simply because it can come back to bite them and a very big way if it can be showing that they didn’t provide the best advice or solution. This is because mortgage brokers must by law have a high-quality  complaints process plus they must also be signed up to a high quality dispute resolution process.

The simple fact is that at any time there will be good deals available on one day and not another, is all banks are competing aggressively for business.  Of course banks have to be very careful that they give no hint of collusion amongst themselves when sitting there interest rates for the various products. A good mortgage broker will have all of the interest rates on the market out there plus they will understand the trends and what types of products work better for individual clients.

Another area that the mortgage broker is very important for who is presenting their client in the best possible light to the bank or the lender. Yes of course does not involve telling lies about  the client, but it does mean that information that is helpful to their case is emphasized, and information that is unhelpful is not infersize so much.

A third very important area for mortgage brokers in Manawatu is the mechanical process of applying for and handling the loan. This is an important  service for clients you may find paperwork challenging, but it is also an important service in the sense that the broker will know and understand the banks that they are dealing with and how the banks like the paperwork to be filled out and presented.

The Main Panel Of Your Home’s Electrical System

The main panel of your home electrical system can be a mystery to anybody except for a trained electrician, however it is actually fairly simple but you know what to look for.

The purpose of the main panel is to provide a termination Point for the incoming mains connection from the street, and to provide a safe fusing Point for the electrical circuits in the house, a metering Point for the power that is used, and a distribution Point for all the house wiring. The main panel is generally located in and out of the way place, either in a garage or in a hallway.

Older panels may have meters that  need to be physically read, but newer panels will have meters that can be read remotely, generally using mobile phone technology. Yeah maybe 2 or even 3 meters on the panel depending on the services that the customer is buying off power company.

Typically there is a separate meter for general power usage and another metre for the water heater and other power usage,  and there may even be a cable that will switch off of on the water heater, but this will only be an old installations. Remote water heating switches almost all using wireless mobile technology today.

The mains cable from the street will be connected to the meter, and from there will feed a number of fuses, one for each separate power circuit in the house. The power cables will run from each fuse up through the ceiling and across the ceiling to each room, and then vertically down through the wall to the light switches and power switches. When looking for electricians Dunedin is definitely the best place to look.

The main panel is generally set high on the wall to discourage  access by children, and household is generally only need to access the main panel in order to reset a blowing fuse or circuit breaker.

How To Make An Epic Garden

Planning Your Garden

There are a number of garden websites and blogs that provide expert advice for planning your vegetable garden. The New Zealand climate is in a temperate zone which means that we can grow vegetables all year around, taking care with the types of vegetables and varieties more suited to the autumn or spring planting.


Garden Preparation

Summer is often too hot and plants bolt with not enough water and too much heat. Plants grow very slowly and some are dormant in winter when the soil temperature drops. Winter is a good time to plan your garden – stay inside and plan. However, you can easily lose precious nutrients from the soil when winter rain washes them away. For that reason, it is a good idea to plant a green manure crop or mulch the garden to protect the soil.

There are a number of green cover crops such as peas and broad beans. They fix the nitrogen in the soil by putting it back into the plant. In early spring, dig in the cover crop and this adds lots of goodness and nutrients (food) back into the soil for planted, particularly those that are considered to be ‘heavy feeders’.

For more tips on garden preparation, click here.


Rotating Crops

The principle behind rotating crops is to avoid planting vegetable in the same bed year after year to avoid pests and diseases. and to ensure that there is enough nutrients in the soil for the next crop. Some plants like potatoes and tomatoes are susceptible to blight disease. Some plants are light feeders and others are heavy feeders. By planting a light feeder crop after the heavy feeder crop, allows the soil to recover. Most plants benefit by the addition of compost and fertiliser that adds extra nutrients to the soil. The compost also aerates the soil by allowing extra air between soil particles.

Watch this video on how to rotate crops: