NZ Business Connect is excited to welcome Janeen Walker, representing Pragma Homes Hamilton, as the network’s newest member. With a commitment to affordability, sustainability, and community, Pragma Homes is redefining homeownership and investment opportunities in the Waikato region.
Pragma Homes specialises in buying and building bespoke sections, and delivering high-quality, affordable homes that cater to diverse needs. Whether you’re a first-time homeowner, an experienced investor, or simply looking for your dream home, their transparent and fixed-price contracts make planning and budgeting stress-free.
What truly sets Pragma Homes apart is its suite of industry-leading guarantees. Each build comes with a Fixed Price Guarantee, so you can budget with certainty, a Full Turnkey Guarantee for seamless move-in readiness, and a Home Completion Guarantee, ensuring your house is delivered on time and in perfect condition. Additionally, their clients enjoy a One-Year Maintenance Guarantee and a Ten-Year Structural Guarantee, providing peace of mind.
As a family-owned business, Pragma Homes takes pride in its deep local roots and dedication to fostering growth in Hamilton. Their tailored approach simplifies the home-buying process, ensuring a seamless and enjoyable experience. With a focus on new growth areas, Pragma contributes significantly to Hamilton’s development while maintaining an unwavering commitment to superior quality.
Pragma Homes’ core values extend beyond construction. The company actively supports local communities through sponsorships and initiatives, including the Waikato Special Children’s Christmas Party, the Nesian Festival, and Pink Ribbon events. This commitment reflects their belief in giving back and improving the lives of Hamilton residents.
Janeen Walker embodies the ethos of Pragma Homes, advocating for sustainable, community-focused development and exceptional customer service. She is passionate about helping clients realise their property goals, through homeownership or real estate investment.
Whether you want to create an investment portfolio or build your forever home, take the first step today and reach out to Janeen at Pragma Homes to open doors to rewarding opportunities.
Tauranga, New Zealand—The Why Marketing, a leading provider of tailored marketing solutions for small businesses, solopreneurs, and non-profits, is proud to celebrate its 5th anniversary with the launch of a new logo. This milestone reflects a journey of growth, resilience, and a steadfast commitment to empowering clients with accessible, ethical, and impactful marketing strategies.
Founded in 2019, The Why Marketing was born from a desire to simplify marketing for businesses that felt overwhelmed and excluded from traditional approaches. Over the past five years, the company has grown into a trusted partner for clients across New Zealand, offering innovative solutions that turn confusion into clarity and hesitation into confident action.
A Logo That Reflects Our Journey and Values
The newly unveiled logo is inspired by the art of balancing stones, symbolising the harmony, precision, and growth that define The Why Marketing’s approach. The careful arrangement of the stones represents stability and creativity, while the vibrant green and orange colours highlight trust, growth, passion, and energy—core values that guide the company’s work.
“Our new logo isn’t just a design; it’s a celebration of our journey and the relationships we’ve built with our clients,” said Geoffrey Campbell, Founder and Director of The Why Marketing. “It embodies our commitment to turning marketing challenges into opportunities and helping businesses thrive with balance and purpose.”
Five Years of Growth and Innovation
From its origins as a boutique consultancy, The Why Marketing has expanded its services to meet the diverse needs of its clients, including:
Virtual Marketing Officer (VMO): Offering expert, scalable marketing support that seamlessly integrates into clients’ teams.
SME Marketing Coaching: Empowering small business owners with actionable strategies to build confidence and clarity.
Branded Promotional Merchandise: Providing customised, high-quality products that leave lasting impressions for businesses of all sizes.
These services have helped businesses across industries connect with their audiences, achieve sustainable growth, and build meaningful relationships.
Looking Ahead
As The Why Marketing celebrates this milestone, the company is already planning for the future. Key goals for the next chapter include:
Expanding the reach of VMO services to support more businesses at every stage of growth.
Enhancing coaching programs to empower even more SMEs and non-profits.
Innovating branded merchandise offerings to help businesses of all sizes strengthen their visibility and build loyalty.
“This milestone is a reflection of the trust our clients have placed in us,” Campbell said. “We’re excited to continue innovating and building partnerships that empower businesses to succeed with confidence and creativity.”
About The Why Marketing
The Why Marketing was founded in 2019 with a mission to make marketing accessible, ethical, and impactful for small businesses, solopreneurs, and non-profits. Based in Tauranga, New Zealand, the company offers a range of services designed to meet the unique needs of its clients, including Virtual Marketing Officer support, SME coaching, and branded promotional merchandise. Guided by core values of honesty, trust, and passion, The Why Marketing helps businesses achieve balance and sustainable success.
For Media Inquiries: Geoffrey Campbell geoffrey@thewhy.nz 022 058 7214
NZ Business Connect is delighted to announce the appointment of Jujhar Singh Randhawa as its inaugural chairman. As a member of NZ Business Connect, Jujhar has experience in business leadership, community service, and governance, making him the ideal leader to guide NZBC into its new phase of growth and impact.
Jujhar Singh Randhawa
Jujhar’s journey is one of resilience and vision. He has built an extraordinary career since moving to New Zealand in 1998. Starting as a refrigeration engineer in Waikato, he founded JSR Refrigeration and Air Conditioning in 2000, in his garage. Today, he leads four successful companies in Waikato, including Zephyr Pure Air Ventilation, JSR Management, and Hillcrest Spinal Centre. Alongside his business success, Jujhar has mechanical and electrical engineering qualifications and is a Registered Assessor.
“I am deeply honoured to serve as Chairman of NZ Business Connect,” Jujhar says. “This network has been a cornerstone for business collaboration and innovation in our community, and I’m excited to contribute to its growth”.
NZ Business Connect is a dynamic networking group designed to empower and support small-to medium-sized businesses as well as large businesses across New Zealand, with branches in Hamilton and Tauranga. The group is focused on fostering connections, sharing knowledge, and providing valuable resources, serving as a vital hub for Kiwi entrepreneurs seeking growth, collaboration, and meaningful impact.
As Chairman, Jujhar will oversee exciting developments for NZ Business Connect, including its planned expansion to Taranaki, Rotorua, and Hawkes Bay in 2025. “Exciting times are ahead as NZBC branches out to Taranaki, Rotorua, and Hawkes Bay next year,” says Jujhar.
Reflecting on his goals, he adds, “My vision is to expand opportunities for entrepreneurs and enhance the network’s role in driving economic development.”
A unique aspect of NZ Business Connect is its strong ethos of social giving. The network believes that businesses can achieve more when they contribute to the well-being of their communities. This commitment to social responsibility is woven into the organisation, encouraging members to give back through various initiatives and community projects.
Jujhar’s dedication to community service shines through in his leadership roles with organisations such as the I AM HE(R) Charitable Trust and the Indian Cultural Society Waikato Inc. “Giving back is not just a responsibility; it’s a privilege,” says Jujhar, “I am a big supporter of social giving, which is a fundamental part of NZ Business Connect’s mission.”
Jujhar is also a Justice Of The Peace, winner of a Hamilton Civic Award and a lay member of the Medical Services Council.
With his extensive expertise and passion for leadership, Jujhar is poised to make a lasting impact as Chairman. “We are excited to see him excel in this role and lead NZ Business Connect toward a future of growth, innovation, and meaningful connection,” says NZ Business Connect CEO Phillip Quay.
We are pleased to introduce Kulvir Kankara, CEO and Director of Omega Financial Services, as the newest member of NZ Business Connect’s network. Based in Hamilton, Omega Financial Services has been empowering clients with tailored mortgagee and insurance solutions since its founding in March 2020.
Kulvir Kankara
With over eight years of experience in the financial sector, Kulvir founded Omega Financial Services to simplify financial journeys and provide peace of mind to families, first-time homebuyers, and property investors. Specialising in first-home loans, construction loans, refinancing, and comprehensive insurance coverage, Omega combines expertise with a personalised, client-first approach.
Omega Financial Services offers dual expertise in mortgages and insurance under one roof. Whether guiding clients through first-home purchases or crafting tailored life, private health, trauma, permanent disability, or income protection insurance policies, Kulvir and his team deliver comprehensive solutions with unwavering dedication. Their core values – integrity, transparency, and empowerment through education – are evident in every interaction.
Kulvir is passionate about helping clients turn their dreams into reality. As he often says, “Every client’s journey is unique, and we’re here to guide them with trust, expertise, and care.” Under his leadership, Omega has become a trusted name, earning accolades for customer satisfaction and building long-term relationships.
Beyond his professional achievements, Kulvir is an active member of the Hamilton community. A passionate sportsman, he enjoys playing cricket and badminton during his downtime, balancing his commitment to work with his love for staying active.
Joining NZ Business Connect’s network, Kulvir looks forward to collaborating with fellow members, sharing insights, and contributing to the community. Whether you’re a first-time buyer seeking guidance or a business owner interested in financial planning, Omega Financial Services is here to empower your journey.
Get in touch with Kulvir today to discuss how his team can support your goals and unlock financial freedom.
With 95% of New Zealanders insuring their cars, it’s surprising to learn that 4 in 5 are unprepared for sickness or disability. Many don’t realise how vital it is to ensure they’re protected against life’s unexpected events.
Diana McIntyre, an experienced insurance adviser, explains the importance of having a comprehensive insurance plan that covers immediate and long-term needs.
“Insurance isn’t just about preparing for the worst—it’s about providing yourself and your family with a safety net and the peace of mind that comes with it,” says Diana.
One powerful solution is level premium life insurance, which offers stable, predictable premiums. Policy premiums won’t increase as you age, making it a smart option for those seeking financial security over the long term.
“With level premiums, you might pay a bit more initially, but over time, the savings and predictability can be invaluable, especially as you enter later life when expenses often add up,” Diana notes.
Many policies set an end term at ages 70, 75, or 80, but the consistent premium structure provides certainty when needed most.
Should you pass away during the life policy term, your beneficiaries will receive a tax-free lump sum death benefit, ensuring their financial security.
Combining Rate for Age and Level Premiums
Diana suggests that blending rate for age and level premiums can be a practical way to balance cost and coverage. “Think of it like balancing fixed and variable-rate home loans,” she says.
“Combining these premium types gives flexibility—you pay less in the early years and adjust as your needs change.” This approach allows clients to decrease insurance costs over time as they build assets and need less coverage.
The Role of Trauma Insurance
Trauma cover can be a financial lifesaver, especially for those diagnosed with severe medical conditions. “Trauma insurance provides critical support when you’re most vulnerable,” Diana shares.
Recent data from AIA shows that trauma claims reached $117.1 million in 2023, with cancer making up 61% of claims. “The statistics show how crucial trauma coverage is,” she adds, “particularly for conditions like breast cancer, which is one of the most common cancer claims.”
Diana recounts the story of a solo mother in her late 30s who faced an unexpected breast cancer diagnosis. With two young children and no family support, the trauma cover she had set up became her financial lifeline, allowing her to focus on recovery without the stress of financial strain.
“She was able to meet her living costs and medical expenses, giving her much-needed peace of mind during a tough time,” Diana says.
Life Insurance: A Safety Net in Times of Crisis
Life insurance is another essential protection that Diana recommends, especially for families. “The reality of needing life insurance hits hard when loved ones are left without the financial support they rely on,” she explains.
Diana recalls a family whose father passed away in his early 40s. Thanks to life insurance, his partner could buy out his share of the family home, ensuring stability for his children and avoiding the need to sell their house.
“Having the right protection in place gives families not just financial stability, but emotional peace of mind,” Diana highlights. “This is what truly matters in moments of crisis: health, family, and healing.”
Get in Touch Today
Call Diana today to secure your family’s future and ensure financial protection. “Insurance can be complex, but that’s why I’m here—to guide you through the process and find a solution that aligns with your needs and long-term goals.”
“I think a successful life is one in which you make a difference. Why are we here? I would say it’s not only for us to live a happy and successful life, an honourable life but also for us to change the lives of the people around us. To leave the people we encounter better somehow for having met us.”
Left: Don Ha Right: NZ Business Connect CEO Phillip Quay
This is an opening quote in one of the chapters of the recently launched book of Auckland-based global real estate leader Don Ha whose life story is a fascinating and classic rags-to-riches odyssey.
Don Ha only knows hard work and this is encapsulated in his book as he imparts much of his secrets around mindset and actions for finding success in both career and life.
The book published by Forbes tells the awe-inspiring journey of a real estate titan who rose from humble beginnings to a billion-dollar empire.
Don Ha, a true authority in real estate sales and investment, emerged from war-torn Vietnam, traversed refugee camps in Hong Kong, and finally made a home—and a name—for himself in New Zealand, overcoming cultural and language barriers each step of the way. His ascent from adversity to prominence in New Zealand’s real estate realm is a saga of unwavering determination.
Don’s story isn’t solely about his achievements; it’s a testament to fostering a culture of triumph. In The Art of Exponential Success, he imparts his core values that underpin his accomplishments through his journey from refugee to CEO. Values like respect, loyalty, trust, and hard work, backed by discipline and empathy, have been Don’s guiding lights.
Delve into the pages of his transformative book to discover the blueprint for exponential success. Through chronicling his life, Don articulates the essence of his company’s culture while offering insights into transcending barriers and embracing opportunities. The Art of Exponential Success serves as a beacon illuminating the path to realizing one’s loftiest dreams—both personally and professionally.
Witness Don Ha’s metamorphosis from a refugee to a real estate magnate. Gain invaluable wisdom on not just conquering the real estate domain, but also on nurturing a mindset that fosters boundless success. The Art of Exponential Success isn’t just a good story; it’s a guide to transforming your life into a canvas of remarkable accomplishments.
I have personally known Don Ha for more than 20 years and when reading the book it often felt like he was in the room beside me as he practices what he preaches. I know for a fact that the messages he gives in his principles for life and the principles of real estate sales and investing are exactly what he adheres to in practice.
Respect is something that is vitally important to Don Ha.
He says: “Respect is something that is as essential to my life as breathing. I insist on it in my company from the receptionist to my franchise owners to our individual brokers. If you are not respectful, you will not be comfortable working for me.”
Reviewed by Phillip Quay, an award-winning journalist, Media PA and NZ Business Connect CEO.
As we step into November, the New Zealand property market is seeing a whirlwind of change. NZ Business Connect member and mortgage broker expert Michael Ross outlines the latest updates, exploring the shifting dynamics that are influencing everything from home loan rates to first home buyer activity. Let’s dive into the key trends you need to know about.
RBNZ’s Rate Cuts Means Cheaper Loans but Be Cautious
The Reserve Bank of New Zealand (RBNZ) has slashed the official cash rate (OCR) by 0.75 percentage points in recent months, with further cuts potentially on the horizon. This has created ripples across the lending landscape, particularly in the home loans market.
As Michael Ross points out, “Banks have been quick to reduce mortgage rates, and more cuts may follow, but it’s crucial to keep a realistic outlook.”
Squirrel’s Head of Mortgages, John Bolton, echoed this sentiment, warning borrowers not to compare current rates to the historically low levels seen during the COVID-19 pandemic. “Those were highly unusual times,” Bolton stressed.
Even as rates drop, borrowers should consider the RBNZ’s indication that a ‘neutral’ OCR sits around 3%, signalling that rates will eventually settle higher than those ultra-low levels. Rates around 5%, or even yet with a 4 in front, is a good deal.
Lower interest rates are also increasing consumers’ borrowing capacity, making it easier for people to service larger mortgages. As a result, more buyers may enter the market, potentially putting upward pressure on property prices.
“This is a double-edged sword,” Ross notes. “While lower rates make borrowing more accessible, they also drive demand, which could push prices higher.”
The improved affordability may encourage greater property activity in the coming months, but prospective buyers should plan carefully.
Ross emphasises the importance of financial discipline, “Understand how your borrowing capacity has changed and consider the long-term implications, especially if interest rates fluctuate in the future.”
Falling interest rates have sparked a wave of refinancing, with homeowners eager to take advantage of better deals. Ross points out that major movements in rates often lead to shake-ups in the mortgage market.
“Some lenders have made larger cuts than others, making it an ideal time to review your current home loan,” he says.
Working with a mortgage broker can be crucial in these situations. “As a mortgage broker, I can help you compare options and decide if refinancing is right for you,” Ross advises. “I can provide tailored advice, potentially saving you significant money over the life of your loan.”
First Home Buyers at Record-High Market Share
One bright spot in the property landscape is the strength of the first home buyer (FHB) market. CoreLogic Chief Property Economist Kelvin Davidson highlighted this, stating, “The percentage share of property purchases by FHBs has reached record levels, now sitting at 27%.”
Factors driving this trend include the accessibility of KiwiSaver funds and a strategic willingness to compromise on property types and locations.
Davidson adds, “FHBs are also benefitting from low-deposit lending allowances at the banks, with a notable 80% of these allowances being directed towards them in August.” For aspiring homeowners, the message is clear, make the most of these conditions while they last.
Home Ownership and Healthier Housing Trends
The 2023 Census data revealed a modest uptick in home ownership rates, rising to 66% from 64.5% in 2018. While still below the peak of 73.8% in 1991, this increase marks a positive shift.
Additionally, housing quality is improving, with declines in dampness and mould prevalence across most regions. “Improving housing quality is crucial,” says Michael Ross, “because better living conditions directly impact health and well-being.”
A Buyer’s Market with Flatlining Prices
Entering the warmer months, buyers are finding themselves in a favourable position. Property listings have surged, reaching the highest September total since 2014, while the national median asking price has remained steady for 20 months.
Vanessa Williams of realestate.co.nz observes, “Buyers have plenty of options right now, and with price predictability, both sides of the market are seeing benefits.”
Ross encourages those considering a purchase to act strategically, “This window of opportunity won’t stay open forever. The stability we’re experiencing now offers buyers a chance to enter the market with confidence.”
In summary, the landscape is evolving, and there are opportunities to be seized. Whether you’re looking to refinance, invest, or buy your first home, these trends highlight the importance of staying informed and consulting with industry experts.
As Michael Ross puts it, “Understanding the shifting market conditions can give you the edge needed to make informed property decisions.”
Book an appointment with Michael Ross, your local mortgage broker expert, and discuss how you can take advantage of the current market for your situation today!
We are thrilled to announce Shammy and his wife Sim, proud owners of Robert Harris Ruakura, as the newest members of NZ Business Connect’s network. Since opening their doors in July 2023, Shammy and Sim have brought their passion for the best coffee, exceptional customer service, and top-quality food to the local community. Located at the Ruakura off-ramp from the Waikato Expressway, their café offers a warm and inviting atmosphere perfect for your next mid-week pick me up or weekend family brunch.
Born and bred in New Zealand, Robert Harris has been brewing exceptional coffee for over 70 years. Known for its quality and consistency, Robert Harris has perfected its craft, making each cup a masterpiece. At Robert Harris Ruakura, Shammy and Sim proudly carry this legacy forward, offering a range of freshly roasted coffee and top-quality food, making it a go-to spot for coffee enthusiasts.
With four years of business and barista experience, Shammy and Sim have quickly earned a reputation for going above and beyond for their customers. Their commitment to quality extends beyond the coffee cup. At Robert Harris Ruakura, you can expect a diverse menu crafted with care and attention, served by a team that takes pride in delivering the best food and creating an enjoyable dining experience.
The mission at Robert Harris is simple: to spread the love of coffee and offer Kiwis nothing but the best. Their dedication to craftsmanship, care, and simplicity shines through in every cup. Shammy and Sim are committed to delivering the best customer service, a value that earned them the Ambassador of the Year 2024 title. Whether a business meeting or a casual catch-up, their café provides the perfect setting for every occasion.
Shammy, Sim, and their team are excited to welcome you to their café, where coffee craftsmanship and Kiwi pride come together to create an unforgettable experience. We look forward to witnessing Shammy and Sim’s continued growth with the NZ Business Connect network.
We are excited to share that Minden Developments founder Brad, is the newest member of NZ Business Connect’s network. Based in Tauranga, Brad has built Minden Developments from the ground up, driven by deep personal inspiration. After losing his father at a young age, Brad learned resilience and ambition, which have fueled his vision to make a meaningful impact in the building industry.
With over a decade of experience in high-end residential builds, Brad brings expertise and professionalism to every project. Minden Developments offers a range of residential construction services, including new builds, renovations, project management, and outdoor living area construction. Brad’s dedication to providing exceptional service and creating a positive experience sets Minden Developments apart as a reliable construction company in the Tauranga region.
Minden Developments is committed to working with a diverse range of clients, from savvy investors and developers to families building their dream homes. Brad’s focus on delivering projects on time and within budget ensures that clients receive the best results every time.
At Minden Developments, the emphasis on open communication and dependability is key. Brad’s drive to continually upskill and lead by example, alongside his experience as a Licensed Building Practitioner, allows him to offer a personal touch that resonates with clients.
As Brad continues to grow his business, he remains committed to his vision of building quality homes that reflect his values and client needs in honour of his late father. We look forward to seeing Minden Developments thrive and the valuable connections Brad will build within our network.
We are excited to introduce Diana McIntyre, one of the newest member of NZ Business Connect’s network and an experienced insurance specialist committed to creating better futures for individuals and businesses alike. With a strong belief that while nobody really wants insurance, we all need it, Diana is here to find the coverage that works best for your unique situation.
Working with Rapson, Loans, Finance & Insurance, a trusted name in financial and insurance services, Diana is based in Tauranga and serves clients across the region. Diana is proud to work alongside an organisation that truly understands the importance of comprehensive insurance coverage.
Diana’s extensive expertise covers a range of personal and business insurance options, including life insurance, mortgage protection, income protection, and health insurance. She also specialises in more specific coverages like trauma cover, total permanent disability (TPD) insurance, and key person cover for businesses. Diana simplifies the complexities of insurance, offering guidance in an easy-to-understand manner and ensuring you know exactly what you’re getting.
Having faced vulnerable times, Diana knows how overwhelming life’s uncertainties can be. Her personal experiences and professional knowledge allow her to identify blind spots you might not even know exist. Whether you’re a business owner or an individual, Diana’s straightforward, results-driven approach ensures you’re fully prepared for life’s unexpected turns.
With a mission to provide honest, transparent, and relatable advice, know that if the time comes for you to make a claim, Diana will guide you every step of the way. Don’t wait until it’s too late to protect your most vulnerable assets – whether it’s your health, income, or business. Contact Diana McIntyre today for expert insurance advice and peace of mind.
Contact Diana McIntyre at Rapson, Loans, Finance & Insurance
