Matt Wineera - Thats Real Estate with Matt Wineera - Real Estate Agents in Welcome Bay, Tauranga

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4 days ago

Using the "Bank of Mum and Dad" the Right Way

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

Helping Your Kids Buy a Home: Using the "Bank of Mum and Dad" the Right Way

These days, getting on the property ladder is no small feat. For many young buyers, the Bank of Mum and Dad has become a key resource. While helping your kids secure their first home can be incredibly … View moreHelping Your Kids Buy a Home: Using the "Bank of Mum and Dad" the Right Way

These days, getting on the property ladder is no small feat. For many young buyers, the Bank of Mum and Dad has become a key resource. While helping your kids secure their first home can be incredibly rewarding, it’s important to approach it with care to protect your finances—and your family relationships. Here’s how to support your kids wisely and set everyone up for long-term success.

1. Start with an Open Conversation
Before diving into numbers, have a clear, honest conversation with your kids. What are their goals? How much do they need? And just as importantly, what can you realistically provide without compromising your own financial security? Open communication lays the foundation for a smooth and stress-free process.

2. Assess Your Financial Position
It’s natural to want to help, but make sure you’re not stretching yourself too thin. Look closely at your savings, retirement plans, and other financial commitments. A frank discussion with a financial advisor can help you determine how much you can offer without putting your future at risk.

3. Know the Ways You Can Help
The “Bank of Mum and Dad” isn’t just about handing over cash. You might:
- Gift a deposit: A straightforward option, but be aware of potential tax implications.
- Loan the money: If you go this route, it’s a good idea to formalise the agreement.
- Act as a guarantor: This involves using your assets to back their loan, which comes with risks.

Each option has its pros and cons, so take the time to explore what works best for everyone.

4. Get Professional Advice
Property transactions with family can be complex. Consulting a lawyer or financial advisor ensures you understand the legal and financial implications. They can help you navigate tax considerations, create formal agreements, and protect everyone’s interests. A bit of professional guidance now can save a lot of stress later.

5. Set Clear Terms and Boundaries
To avoid misunderstandings, it’s crucial to establish clear terms from the beginning. If you’re gifting money, make sure it’s understood as a gift. If it’s a loan, agree on repayment terms, timelines, and whether interest will apply. These boundaries help maintain trust and ensure everyone is on the same page.

6. Think About Long-Term Implications
While it’s wonderful to help your kids buy a home, consider how it fits into your bigger picture. Will this impact your retirement plans or other financial goals? You’ve worked hard for your security—make sure helping them doesn’t put it at risk.

7. Foster Accountability
It’s important that your kids understand the value of your support and handle it responsibly. Encouraging them to budget wisely, meet financial obligations, and stick to any agreements can help them build a strong foundation for their future.

8. Celebrate the Milestone!
Helping your kids buy their first home is a big deal, and it deserves to be celebrated. Whether it’s a family dinner or simply raising a toast, take time to enjoy this special milestone together.

The Bottom Line
As a parent, being able to help your kids buy a home is an incredible gift, but it’s one that requires thoughtful planning. By having open conversations, setting clear boundaries, and seeking professional guidance, you can provide meaningful support without jeopardising your own financial security. Done right, the Bank of Mum and Dad can be a stepping stone to their future—and a lasting investment in your family’s legacy.

Contact me for any real estate questions you and your family would like advice on. My advice is given freely and without obligation.

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11 days ago

Sizing up your small outdoor space

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

1. Less can be more
It’s important not to try and fit too much into your small space. Do one thing, and do it really well. You might decide to keep your patio for outdoor dining, with a table and chairs, or instead just use it for lounging, or perhaps for growing vegetables.

2. It’s easy … View more1. Less can be more
It’s important not to try and fit too much into your small space. Do one thing, and do it really well. You might decide to keep your patio for outdoor dining, with a table and chairs, or instead just use it for lounging, or perhaps for growing vegetables.

2. It’s easy being green
Don’t be scared of planting. Some people think ‘if I have a small courtyard and pave the whole thing, it will feel much bigger and be more useable’. But remember that a garden has to have plants to be a garden. Plants also add texture and draw the eye to the greenery, enhancing the sense of size.

3. A change is as good as a holiday
You can now get coffee tables that double up as fire-pits, as well as other multi-purpose furniture pieces or use plenty of fold-up chairs that you can sit pots on and then turn back into seats when people come around. They’re all an excellent use of space.

Think about how you’re planning to use the space. Is outdoor dining essential, or is it primarily a space to relax and unwind? Take your design cues from what you really need.

Chat with me for a confidential Q&A session
0274 951 536

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18 days ago

Keeping your house cool for less in summer!

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

😀 A friendly reminder - ☀️ When the summer heat is on, making sure your house stays cool is a must. We all know cranking up the AC can hit the wallet hard, but fear not! There are some wallet-friendly strategies to keep you chill without breaking the bank.

Strategic Use of Curtains and … View more😀 A friendly reminder - ☀️ When the summer heat is on, making sure your house stays cool is a must. We all know cranking up the AC can hit the wallet hard, but fear not! There are some wallet-friendly strategies to keep you chill without breaking the bank.

Strategic Use of Curtains and Blinds:
Let your curtains and blinds be your cooling buddies. Keep them closed during the hottest part of the day to block out that intense sunlight. Go for light-colored window treatments – they reflect, not absorb, the heat.

Ventilation:
💨 Maximise airflow by smartly opening windows and doors for a cross breeze. Thinking about installing ceiling fans or using portable fans? Great idea to keep that air circulating efficiently!

Insulation:
Don’t underestimate the power of good insulation! It doesn’t just keep you cosy in winter; it works wonders in maintaining a cool vibe during summer. Pay attention to the attic and roof space!

🌳 Strategic Landscaping:
Nature’s shade! Plant trees strategically around your home to give you that natural coolness. Awnings or pergolas can also create shaded outdoor areas.

🌟 Energy-Efficient Appliances:
If you're appliance shopping, go for the energy-efficient ones. They consume less electricity and emit less heat – a win-win for a cooler home.

Limit Heat-Generating Activities:
When the sun is blazing, avoid using appliances that generate heat. Opt for alternatives like grilling outdoors or air-drying clothes.

Cooling Bedding and Clothing:
Invest in lightweight, breathable bedding and clothing made from natural fibers. Cotton and linen are your summer BFFs.

Seal Leaks and Drafts:
Inspect for leaks and drafts! Seal gaps around windows, doors, and vents to keep that hot air from sneaking in.

Use of Heat-Reflective Paint:
Ever heard of heat-reflective paint? Consider applying it to your roof or exterior walls. It's like sunscreen for your house, reflecting sunlight and keeping things cool.

🌡️ Programmable Thermostat:
Upgrade to a programmable thermostat. It's like having your house on autopilot, optimizing energy usage for maximum comfort.

Implement these strategies, and you can keep your cool during the summer without sweating over energy bills. From simple curtain tricks to more significant insulation upgrades, there's a budget-friendly solution for everyone.

Stay cool, stay comfy, and enjoy the summer vibes without the budget blues! 😎🏡

📱Contact me for all your real estate questions

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25 days ago

Should You Stay Home During Open Homes or Private Viewings? 🏡🤔

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

Should You Stay Home During Open Homes or Private Viewings? 🏡🤔

When you list your home for sale, you might wonder: should you be there during inspections? While it’s your home, many agents suggest stepping out during these moments.
Here’s why:
1️⃣ Protecting Your Peace 🛡️
… View moreShould You Stay Home During Open Homes or Private Viewings? 🏡🤔

When you list your home for sale, you might wonder: should you be there during inspections? While it’s your home, many agents suggest stepping out during these moments.
Here’s why:
1️⃣ Protecting Your Peace 🛡️
Selling a home is an emotional journey, and potential buyers often share candid opinions about your home. While their feedback can be valuable, it might feel personal when you’re nearby. Stepping out helps you avoid any unintended stress or discomfort.

2️⃣ Creating a Comfortable Atmosphere 🌟
Buyers want to imagine themselves living in your home, and that’s easier to do when they feel at ease. Your presence, even with the best intentions, might make them feel like guests rather than potential owners.

💡 Pro Tip: Take a break—go for coffee ☕ or enjoy a walk in the park 🌳 during inspections. It can make a big difference for everyone involved.

Have questions about selling your home or real estate in general?
Let’s connect—I’d love to help! 😊

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32 days ago

The Upside to Down-sizing

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

Embrace the Freedom! ✨🏠

Ever dreamt of trading in your big house for a simpler, stress-free life filled with travel, friends, and freedom? You’re not alone! Many over 55 are considering downsizing, and it's easy to see why.

👵👴 Why Downsizing?
Once the kids have flown the … View moreEmbrace the Freedom! ✨🏠

Ever dreamt of trading in your big house for a simpler, stress-free life filled with travel, friends, and freedom? You’re not alone! Many over 55 are considering downsizing, and it's easy to see why.

👵👴 Why Downsizing?
Once the kids have flown the nest, the appeal of a smaller, more manageable home becomes crystal clear.

💰 Financial Benefits
There are some sweet financial perks too! For those over 65, selling your home and downsizing don’t forget to factor in selling and buying costs and have a chat with your financial advisor about how this could impact your pension.

🌟 Positive Mindset
Downsizing is all about a positive mindset and focusing on what you truly need versus what you want. It's like saving for your first home all over again, but this time with a twist.

📦 Declutter and Organise
Decluttering is key! Go through your stuff room by room and decide what to keep, discard, donate, or sell. You'll be amazed at how liberating it feels to let go of the excess.

🏡 Maximise Your Space
With less space, it’s crucial to make every inch count. Measure your furniture to ensure it fits and consider using one statement piece per room. Smart storage solutions are your best friend – think under-bed storage, wall-mounted TVs, and multi-purpose furnishings.

Once you’ve settled into your cosy new space, you’ll love the newfound simplicity and joy that comes with downsizing. Here’s to new adventures and a hassle-free future! 🌈✨

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39 days ago

Do you know what a Conditional Agreement means?

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

Do you know what a Conditional Agreement means?
A conditional agreement is an agreement for the Sale & Purchase of real estate and is a legally binding agreement, but it is subject to certain conditions being satisfied.

These might relate to:
1️⃣ the purchaser arranging suitable … View moreDo you know what a Conditional Agreement means?
A conditional agreement is an agreement for the Sale & Purchase of real estate and is a legally binding agreement, but it is subject to certain conditions being satisfied.

These might relate to:
1️⃣ the purchaser arranging suitable finance to complete the purchase,

2️⃣ receipt of a satisfactory builder’s report and/or valuer’s report;

3️⃣ receipt of a satisfactory Land Information Memorandum (LIM);

4️⃣ or the purchaser’s solicitor approving the title to the property.

The Sale & Purchase agreement may also have conditions that require the seller to do something by a certain date.

Once all the conditions are satisfied the agreement becomes unconditional.

Whether you're the savvy buyer or the strategic seller, remember the golden rule: legal advice is your guiding light. 🌟 Legal advice ensures the conditions are crystal clear, paving the way for your seamless real estate journey!

So, next time you're navigating your real estate journey of property transactions, remember: knowledge is power, and legal advice is your compass!💡

Contact me for more real estate advice. My advice is given freely and without obligation. ✨

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46 days ago

Are Kiwis moving house more often than ever?

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

New data suggests the ‘forever home’ may be a thing of the past, with the ‘seven-year itch’ now closer to five.

The concept of the ‘forever home’ appears to be fading in NZ, with new data from realestate.co.nz revealing that Kiwis now hold onto their homes for an average of just … View moreNew data suggests the ‘forever home’ may be a thing of the past, with the ‘seven-year itch’ now closer to five.

The concept of the ‘forever home’ appears to be fading in NZ, with new data from realestate.co.nz revealing that Kiwis now hold onto their homes for an average of just five and a half years before selling.

"People move for many reasons—employment opportunities, the desire for more space, the need to accommodate aging parents, or even downsizing after the kids have left. This frequent movement is likely a reflection of changing lifestyle needs and opportunities across NZ,” says Vanessa Williams, realestate.co.nz spokesperson.

The regions where property moved more quickly than the national average were Waikato, Nelson and Bays, and Bay of Plenty, where the average time between sales was five years and four months.

But what about the financial gains? Does it pay to stay, or should you go?

“Holding for longer can sometimes mean bigger gains, but many factors can impact this, including market conditions, economic factors, legislative changes, your region, and demand in your area," says Williams.

Ultimately, you should buy based on your personal circumstances, rather than trying to predict what the market might do.

📱Contact me for all of your real estate questions. My advice is given freely with no obligation.

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53 days ago

Prepping your Home For Buyer Viewings

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

If you're planning on selling your home, it's important to make sure it's looking and smelling its best for potential buyers. 🏡

In fact, did you know that having too many scents in your home can actually be overwhelming for buyers? That's why it's important to choose… View moreIf you're planning on selling your home, it's important to make sure it's looking and smelling its best for potential buyers. 🏡

In fact, did you know that having too many scents in your home can actually be overwhelming for buyers? That's why it's important to choose a specific scent that is carefully considered.

While baking cookies or brewing coffee may seem like a great idea to create a cosy atmosphere, it might not be the best choice when your home is being shown. 🍪☕️

Instead, experts suggest using baking soda to diffuse odours, or even using a citrus scent to make your kitchen more inviting. 🍋

But don't worry if citrus isn't your thing! You can always choose a simple, clean scent or even skip adding scent altogether if your home has no unpleasant odours.

The key is to keep it simple and let your home's natural beauty shine through.

Good luck with your home selling journey! 💫

I'm availble for a no obligation chat about your home

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60 days ago

October is Blind Low Vision Month

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

DID YOU KNOW? 1 in 5 NZers may experience blindness or low vision in their lifetime but only 10% of published information is available in formats accessible to people who are blind, deaf-blind or have low vision. 👩‍🦯👨‍🦯

That's why REA (Real Estate Authority) have published … View moreDID YOU KNOW? 1 in 5 NZers may experience blindness or low vision in their lifetime but only 10% of published information is available in formats accessible to people who are blind, deaf-blind or have low vision. 👩‍🦯👨‍🦯

That's why REA (Real Estate Authority) have published key consumer guides in e-braillie, audio and large print formats to support blind, deaf-blind and low vision communities to ensure that all real estate consumers across NZ are fully supported and have confidence in their real estate buying and selling journey.

The new guides include:
The Residential Sale and Purchase Agreement
The Residential Agency Agreement
The Real Estate Buying Journey
REA’s Complaints and Disciplinary Process

📱 Get in touch for the links to these guides

Share info with someone who would benefit from these guides 👏

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67 days ago

September 2024 real estate results show signs of stability

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

Some optimism returns to New Zealand’s property market The Real Estate Institute of New Zealand (REINZ) September 2024 figures show additional signs of stability as spring began and confidence increased among both vendors and buyers. According to REINZ Chief Executive Jen Baird, while the market … View moreSome optimism returns to New Zealand’s property market The Real Estate Institute of New Zealand (REINZ) September 2024 figures show additional signs of stability as spring began and confidence increased among both vendors and buyers. According to REINZ Chief Executive Jen Baird, while the market remains subdued, there is a noticeable rise in positivity and confidence that things will continue to improve as we approach the end of the year. Despite lingering challenges such as the cost of living, many believe that the downward trend of interest rates will lead to a gradual recovery as we move into 2025.💰🏘️

Tauranga City Median Price
Sep-24 $890,000
Aug-24 $850,000
Sep-23 $875,000

Tauranga City Sales
Sep-24 232
Aug-24 232
Sep-23 189

Owner-occupiers and first home buyers were the most active buyer groups, with early enquiry from investors and retirees in Tauranga. Most vendor expectations were realistic and willing to meet market expectations. Others were still a bit optimistic and hoped for higher prices. Attendance at open homes improved, as those attending were well-researched buyers ready to transact as interest rates declined and the weather improved.☀️

We have a Spring Special especially for you! 🌸
Our selling fee is 2.5% incl GST

Find out what your home is worth today
📱 Call me anytime 0274951536 it's free to find out

Click the link for an instant appraisal of your home

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73 days ago

Getting a good nights sleep

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

🌙 Struggling to catch quality Zzzs? 😴
In today's fast-paced world, a good night's sleep is essential for your overall #healthandwellbeing.
Here are 3 secrets to help you drift off into dreamland:

1️⃣ Light exposure matters! ☀️ Your body's internal clock craves … View more🌙 Struggling to catch quality Zzzs? 😴
In today's fast-paced world, a good night's sleep is essential for your overall #healthandwellbeing.
Here are 3 secrets to help you drift off into dreamland:

1️⃣ Light exposure matters! ☀️ Your body's internal clock craves natural light to regulate. Get outside daily to sync your body's rhythm – sorry, peeping through a window won't cut it!

2️⃣ Skip the late caffeine fix! ☕️ While tempting, it might sabotage your sleep. Try decaf, herbal teas, or warm lemon water instead. You'll need less caffeine if you're soaking up daylight regularly!

3️⃣ Move and unwind! 🚶‍♀️ Sedentary jobs and screen time can disrupt sleep. Take a stroll, indulge in a post-dinner bath, read a book, or enjoy tech-free chats in dim lighting. Create a cozy ambiance to wind down.

😊 Give these simple changes a go for more rejuvenating sleep. It might take time to adjust, but the refreshed mornings will make it worth it! 💤💫

Contact me for real estate Q&A’s

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81 days ago

Entering the property market without a solid financial plan?..

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

Entering the property market without a solid financial plan can lead to costly mistakes. Here’s why knowing your limits can set you up for success in the long term. 🏠💡

A clear financial plan is key to navigating the property market with confidence, especially when auctions are involved. … View moreEntering the property market without a solid financial plan can lead to costly mistakes. Here’s why knowing your limits can set you up for success in the long term. 🏠💡

A clear financial plan is key to navigating the property market with confidence, especially when auctions are involved. Knowing your limits helps prevent panic buying and ensures you stay on track for long-term success.

The same approach applies to your house and contents insurance—exploring special rates for existing policyholders can save you money. 📄✨

When it comes to financing your home, a common guideline is to keep your mortgage costs under one-third of your income. Whether you opt for a low-interest loan or prefer the flexibility of an offset account, make sure to read the fine print carefully. Hidden restrictions could affect your future plans.

And while it’s easier said than done, each of these requirements will take time and energy to carry out. But it’s worth remembering that your efforts will be rewarded many times over in terms of self-satisfaction, presentation and many happy returns.

Looking for expert guidance to navigate the property market with confidence? Connect with me today, and let’s discuss a strategy that aligns with your financial goals

#RealEstateAdvice #PropertyInvestment #FinancialPlanning #MortgageStrategy #HomeOwnership #TaurangaRealEstate #HomeBuyingTips

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88 days ago

Buying a home in Tauranga isn't just a transaction....

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

Buying a home in Tauranga isn't just a transaction; it's a chapter in your story.
Buying a home is a major decision, and it's crucial to figure out your must-haves before diving into the process.

Before hitting up the websites, jot down your deal-breakers:
* Pick your preferred … View moreBuying a home in Tauranga isn't just a transaction; it's a chapter in your story.
Buying a home is a major decision, and it's crucial to figure out your must-haves before diving into the process.

Before hitting up the websites, jot down your deal-breakers:
* Pick your preferred suburbs.
* Consider the vibe of neighbouring areas.
* Think about local schools.
* Check out the proximity to shops, sports, cafes, and restaurants.
* List your dream home features.
* Decide on the importance of a garden or balcony.
* Determine the number of bedrooms you need.
* Consider if a garage is a necessity.
* Ensure your wishlist aligns with your budget.

Now, let's talk money:

Deposit:
Decide how much upfront cash you're comfortable putting down to secure your dream home. Generally, a larger deposit increases your chances of getting a loan, but it depends on your lender and financial situation.
First-time buyers might qualify for government assistance.

Other Costs:
While property inspection reports aren't mandatory, it's wise to get one to uncover potential hidden costs. Choose an inspector with professional indemnity insurance who follows the New Zealand Property Inspection Standards.

Once you've sealed the deal on your new home, take a breather—you've earned it!

Together, let's turn the key to a future filled with endless possibilities! 🌟🔑

If you wish to discuss anything real estate related, feel free to have a confidential chat with me - 0274 951 536.

Cheers to your new home! 🏡

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95 days ago

Breathe new life into your spare bedroom

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

If your #spareroom is more dumping ground than inviting retreat, fear not. Here are some simple styling tricks to freshen up the space and welcome guests in style.

Start with a thorough declutter 📦
The first step is to make the space feel like an actual bedroom. Remove items that don’t … View moreIf your #spareroom is more dumping ground than inviting retreat, fear not. Here are some simple styling tricks to freshen up the space and welcome guests in style.

Start with a thorough declutter 📦
The first step is to make the space feel like an actual bedroom. Remove items that don’t belong in your spare room.

Re-house objects you use on a regular or semi-regular basis and find them a new home where they’re used.

Consider putting luggage 🧳 or #festivedecorations in deep storage such as the garage or attic.

Take this opportunity to air out your spare bedroom and run bedding through the wash.

When it comes to items you no longer need or use, but are still in good condition, look to #repurpose, #rehome or #recycle them.

Pull out the paintbrush 🖌️
If your spare room is looking a little drab, there’s no faster or easier way to give it a fresh new feel than with a lick of paint.

Add little touches of luxury 🕯️ 📖
A few carefully considered additions to your spare room will make overnight guests feel truly special - soft towels in different sizes at the end of the bed, a posy of pretty flowers by the bedside, a scented candle, a mobile phone charger, and a good book.

#RealEstateTips #Declutter #Tauranga

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102 days ago

Factors that shape the value of your home ....

Matt from Matt Wineera - Thats Real Estate with Matt Wineera

Wondering what shapes the value of your home? 🏠 It's more than just size and style! Factors like location, amenities, and neighbourhood trends play a big role. Living in a hotspot close to shops and schools? 🛍️🏫 That could boost your home's value.

We're here to help you… View moreWondering what shapes the value of your home? 🏠 It's more than just size and style! Factors like location, amenities, and neighbourhood trends play a big role. Living in a hotspot close to shops and schools? 🛍️🏫 That could boost your home's value.

We're here to help you navigate the appraisal game. Whether you own a cosy house, a townhouse, or a rural gem, each type influences market demand. We delve into recent sales data, analysing properties similar to yours to set the right price. 📊💰

It's not just about the present – we keep tabs on past and present market trends. This helps us anticipate changes and understand what might attract or deter buyers. Even if selling isn't in your immediate plans, staying informed is a smart move.

Curious about your home's current value? Let's chat! 🗣️ Our team is ready for a thorough property appraisal. Stay in the know about your property's worth, whether you're planning to sell soon or just want to be well-informed. Reach out – we're here to assist and keep you updated on the ever-changing real estate scene. 📞🏡

You can also have an instant appraisal for your home. Click the link to get one in your inbox

Matt Wineera - Thats Real Estate with Matt Wineera

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