KiwiSpan

PHILLIP (LEFT) AND CHARLES SPILHAUS. Pair beat going to the Bank

Thanks to the loyal support and confidence of customers, the father and son team Charles and Phillip Spilhaus at Mortgage Link are achieving consistent results for their clients, in good and bad times, working closely with a network of loan assessors across all banks. “The lending environment may change but by understanding the fundamentals of the age-old relationship of debtor and creditor, we bring all the players together and achieve success time after time,” says Charles. He has been joined by Phillip and enjoys Phillip’s approach. “Phillip brings vitality and new perspectives and helps us to see the wood for the trees at times.” Since the market started cooling, they have been busy as ever. The conditions have opened opportunities for customers to get into the market, or trade-up. They have been gratified to help numerous customers through the gate. “We tell customers that we can present a case optimally but thereafter it is in Higher Hands - many recent approvals have been more an answer to prayer than anything else,” adds Charles. Phillip and Charles are normally available to meet customers at short notice. After-hours and weekends are reserved for the endless paperwork and catching up, but meetings are possible on any working day. Their specific areas of interest are:

First Home Buyers

We keep on top of low deposit lending channels, First Home Grants, Kiwisaver withdrawal and all the things that firsthome buyers must confront. We are the ideal starting point. We can advise on accessing the ‘Bank of Mum and Dad’ to make up shortfalls! Self-employed/business owners – arranging lending for self-employed people and advising in this area is natural to Charles, after years as a business banking manager. Reverse mortgages –agents of Heartland Bank, Charles and Phillip are available for discussion with retired people, and their children, about how a reverse mortgage may be appropriate. Kiwisaver – agents of Generate Kiwisaver, Charles and Phillip will assist customers to get focus and direction with their savings. They also assist with the technical aspects, like making sure customers understand their investment and that they are in the right category of fund.

Homeowners with multiple properties

or high equity who want to look at using their equity for investment in further properties or for other avenues of investment. Where the bank cannot help – through their extensive contacts, Charles and Phillip have access to non-bank lenders and are also able to arrange refinance of non-bank lending with main banks.

THE COTTER & STEVENS TEAM READY FOR ACTION.

One stop shop and go-to tradies for all things electrical, dairy & pumping

For 73 years Cotter & Stevens has been supporting wider Wairarapa from their Martinborough base. After 25 years at the helm, Jim Clark has taken a step back from growing and running this successful company, to now enjoying a hands-on role instead. Matt Hawthorn, the new Managing Director, also believes very much on a ‘hands-on’ approach. You will see him equally on the tools, as well as behind his desk ensuring the company is running smoothly. Matt was born and bred in Kahutara, he has a background in mechanics, farming, and vineyard work, and in 2007 joined Cotter & Stevens, a smaller team back then. Luke Brandt-Shailes has returned to manage the team of electricians, covering all-things-electrical from residential to industrial, urban, and rural. Luke is a qualified electrician and gets out on the tools any time he can. Steve Busch manages the dairy division. His team do everything dairy-related from new installations,

MATT HAWTHORN, NEW MANAGING DIRECTOR.

machine testing and servicing, to herd management, and associated engineering. Steve has been working servicing dairy sheds for 25 years. Jason Waugh manages the water systems division. Jason has been with Cotter & Stevens for 13 years. His team covers water pumping, filtration, and reticulation. Also providing dairy effluent system design, installation, and maintenance. There are 13 skilled tradesmen at Cotter & Stevens who take the time to tailor projects to suit each individual customer needs, ensuring the best possible solution, every time. Cotter & Stevens prides itself on quality service, products, and workmanship on all their jobs, big and small. They are in for the long haul, offering round the clock, seven day a week service. The showroom is stocked with a good range of quality products including water pumps; water filters; dairy chemicals; water blasters; air compressors, and associated fittings. When you call the friendly team at Cotter & Stevens, you will get the absolute best on offer, from microirrigation to large installations. Whatever you require to keep your house, lifestyle block, business or farm running smoothly, the team of seventeen – including the friendly admin team are here to help and support - we’ll see you right!

COTTER & STEVENS

Trusted since 1949

• Electricians • Water pumps • Water treatment • Milking equipment