TRADE

NOVEMBER
2017

LEADER.

THIS ISSUE:
LICENSED BUILDING
PRACTITIONERS
Exempt Building Work,
Part 3
HEALTH & SAFETY
Managing and working with
hazardous substances
ECONOMICS
New government needs to
address housing affordability
LEGAL
Dispute resolution in
construction
HEALTH & SAFETY
Busting common myths
about working at height
BUSINESS
The gift of Christmas

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In the frame
BY MIKE GUY, CARTERS CHIEF EXECUTIVE
As this issue of CARTERS Trade
Leader was due to go to print, an
announcement had just been made
as to the make-up of the New Zealand
Government.
This section of this publication is
always one of the last to be put
TRADE
LEADER.
CARTERS Trade Leader is produced
by TLP Media Ltd 11 times a year in
association with CARTERS.
We also take quite a strong health and
safety focus in this issue, in areas from MANAGING EDITOR
Scott Wilson
hazardous substances to working at
P: 021 725061
height, the latter of which raises some
E: scott.wilson@tlpmedia.co.nz
concerns about incorrectly installed
safety nets. LAYOUT
Maintaining the safety of our work Kaz Graphic Dezign

together, and I had been waiting to see
what the outcome of coalition talks
was going to produce before getting it
completed.
The recently-announced Labour/New
Zealand First coalition Government
with support from the Greens - will
face the same issues for the next
three years as those in power for the
previous term did.
places, and those who work in them,
PRINTER
is paramount and its essential we get Nicholson Print Solutions
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As always, if theres anything we ENQUIRIES
TLP Media Ltd, PO Box 21081
can help you with, dont hesitate
Hamilton 3256
to get in touch with your CARTERS
E: tlpmedia@tlpmedia.co.nz
representative or call into your local
branch.
ISSN 2463-3550 (Print)
ISSN 2463-3569 (Online)

Housing, land affordability,

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and ensure the best interests of the every effort to ensure accuracy, the reader remains
industry and its end users are responsible for the correct selection of any tools,
equipment, materials or systems followed, as well as the
adequately serviced. following of any laws or codes that may apply.

In our Economics section this month,

we look at the issue of housing
TRADE .
NOVEMBER
2017

affordability and how the new OFFERS

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3
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10.
6 . INDUSTRY NEWS
MBIE'S BUILDING CODEHUB UPDATE
MBIEs Building CodeHub update, new
online LBP register search tool, poor
quality work sees LBPs licence cancelled.
8. LICENSED BUILDING
PRACTITIONERS
EXEMPT BUILDING WORK, PART 3
In the third and final part of this series, we
look at Exemption 1. This exemption often
comes down to interpretation as opposed
to an exact measurement. Exemption 1
allows you to repair, maintain or replace
building elements without needing to
obtain a building consent, provided a
series of conditions are met.
10. HEALTH & SAFETY
HIGHLIGHTING SAFETY NET ISSUES
A fall from height can cause serious
harm to a worker (or any other person).
Installing a safety net below a work area
at height reduces the chance a worker
will be harmed if they fall. Worksafe
New Zealand recently issued a Safety
Alert highlighting the serious health and
safety risks for workers when using poorly
installed safety nets as protection against
a fall from height.
12. HEALTH & SAFETY
BUSTING MYTHS ABOUT WORKING AT
HEIGHT
According to Worksafes Best Practice
guidelines for working at height in New
Zealand, if youre using a scissor lift, a
harness should be worn unless a risk
assessment has proven that the work
can be done safely without a harness,
and there is no risk of falling. This is just
one of the examples that Site Safe has
highlighted in this article around working
at height.
16. HEALTH & SAFETY
MANAGING HAZARDOUS MATERIALS
This year will see changes to the
laws around managing hazardous
substances in the workplace. The
Health and Safety at Work (Hazardous
Substances) Regulations will come into
force in December, aimed at reducing
both immediate harm and longer-term
illness caused by the work-related use of
hazardous substances.
18. BUSINESS
ARE YOU UNDER-INSURED?
Holding back on insurance can be
tempting when moneys tight. But
managing your risks could mean the
difference between going under and
thriving. Heres what you need to think
about. This article looks at the types of
insurance available, as well as offering
checklist for you to identify your business
assets.
16. HEALTH & SAFETY
22. LEGAL
20. BUSINESS
THE BUSINESS OF GIFT GIVING
Employee recognition should be
considered akey ingredient in your
business mix. Rewarding exceptional
employees for excellent work boosts
morale, increases productivity and
innovation, and helps retain top
performers. However, such recognition
brings with it the very non-festive
tax consequences of showing that
recognition.
22. LEGAL
DISPUTE RESOLUTION IN
CONSTRUCTION
There are three main types of dispute
resolution used in the construction
industry - mediation, adjudication and
litigation. Builders do not enter into
construction contracts with a view that
the project will end in a dispute, however,
it is important builders know the options
available to them should a legal dispute
arise.
24. ECONOMICS
HOUSING AFFORDABILITY
Housing affordability is a challenge facing
the new government. If it is going to
represent New Zealanders at large and
take into account that having affordable
housing is important for the well-being of
future generations rather than just existing
property owners, its important that this is
addressed.
5
INDUSTRY NEWS
Caught in the Act
IN A RECENT DECISION, THE BUILDING
PRACTITIONERS BOARD (THE BOARD) FOUND A
LICENSED BUILDING PRACTITIONER (LBP) GUILTY
OF POOR QUALITY WORK.
The LBP had his carpentry licence cancelled, his name
removed from the LBP register and he was ordered to pay
costs of $2,000. The LBP was also barred from reapplying
for a new licence for a period of 12 months following
cancellation of his licence.
The Boards action followed a complaint being laid against
the LBP for negligent and/or incompetent work and
carrying out, or supervising, work that didnt comply with a
building consent.
The complaint related to various quality and compliance
issues associated with building work undertaken at a
residential site.
Of concern was that much of the non-compliant building
work related to the buildings primary structure, i.e. its
wall framing, roof trusses and some proprietary beams.
Weathertightness issues were another area of concern.
The Board found that the LBP failed to meet the expected
competencies for an LBP and also failed to understand the
potential ramifications of his poor conduct and decision-
making that led to the complaint. The Board found that,
The building work carried out by the Respondent fell well
Searching for LBPs online
just got faster
MBIE HAS LAUNCHED A NEW WAY FOR
COUNCILS AND LARGE BUSINESSES TO
SEARCH THE LBP REGISTER BY USING
AN API (APPLICATION PROGRAMMING
INTERFACE).
APIs are a way for two software products to talk
to each other. The LBP search API connects
directly to the LBP register to search for LBPs
and get their licence and history details. This
means you dont have to visit the LBP website
to search for LBPs if you have the name or
number of a practitioner in your system the API
can automatically search to find their registration
status and full details, cutting down on time and
errors.
The API makes it easy to carry out high volumes of
register searches, reducing administration and removing
the need to copy and paste information between your
system and the LBP website.
There is no cost to use this service, though some
initial software development is required. Talk to your IT
6 carters.co.nz
short of what is to be expected of a competent licensed
building practitioner. The Board considers the Respondent
was not only negligent by displaying a lack of reasonably
expected care but also incompetent in that he has not
demonstrated the required level of ability and skill required
of a licensed person.
The Board further commented that, In this instance the
non-compliance was very serious and there were multiple
instances. They were not identified by the Respondent
who was focused on speed, not quality, and the work had
passed the point where they could be easily rectified.
The Board considered that cancellation of the LBPs
licence would ensure his competence as a carpenter
would be reassessed if he decided to reapply for a new
licence once the 12-month stand-down period had expired.
LBP Registrar Paul Hobbs says, A critical part of the
schemes overall success relies on licensed individuals
playing by the rules and consistently producing quality
and Building Code-compliant work, while also being held
to account when their performance is suboptimal.
Complaints to the Building Practitioners Board http://
www.lbp.govt.nz/lbp/complaints/complaints-to-the-
building-practitioners-board on the LBP website has
further information about making a complaint about a
licensed building practitioner.
department or software provider to find out how the API
can work for you.
Licensed Building Practitioners API https://api.business.
govt.nz/api/apis/info?name=Licensed-Building-Practiti
oners&version=v1&provider=mbiecreator on MBIEs API
Explorer website has more information.

Finding and accessing resources
now easier with Building CodeHub
MBIES NEW BUILDING-SPECIFIC
SEARCH ENGINE BUILDING
CODEHUB IS NOW AVAILABLE
ONLINE. THE SEARCH ENGINE
MAKES IT EASY TO ACCESS ALL
THE RESOURCES YOU NEED
TO DESIGN AND CONSTRUCT
BUILDINGS THAT COMPLY WITH
THE NEW ZEALAND BUILDING
CODE.
By centralising access to regulatory
and non-regulatory resources,
Building CodeHub offers a single
platform that you can use to search
and filter results to quickly find the
resources you need.
Resources on Building CodeHub
include building legislation, the
Building Code, MultiProof certificates,
CodeMark certificates and more.
MBIE will continue to load more
resources, Standards and BRANZ
information, so your searches will find
more documents over time.
WHAT BUILDING CODEHUB
OFFERS
Building CodeHub is a great tool to
help ensure you keep up to date with
relevant technical changes relating to
your licence class.
Its online, current and is a source for
all compliance resources (including
on the Building Code). You can
also request an update informing
you when a Standard or regulation
changes.
While Building CodeHub holds
information about resources, it does
not hold copies of the resources
themselves. Information may include:
the type of resource, the
organisation that provides it, the
date it was published and/or came
into force, and its version history;
information about the resources
content, including a brief
description, its scope and table of
contents;
a link to where the resource
lives on its providers website
and, where available, a link that
enables you to open it directly. (If
the resource needs to be paid for,
youll be taken to the relevant page
where it can be purchased);
if the resource is part of a citation
pathway in an Acceptable Solution
or Verification Method, the
resources that it cites, and the
resources that cite it.
Building CodeHub finds what you
need and directs you to the most
current resource. Simply search for
content you want by keyword. You
can filter your search by Building
Code clause, building category and
information type.
When you find what youre seeking,
click View on Information Provider
website to gain access to the
content.
Using Building CodeHub, you can:
trust the Building Code resources
you are searching for are
authoritative and current;
if cited, be assured that the
references made in your plans
comply with the Building Code;
have confidence that industry
professionals are referring to the
correct resources, if cited;
save time by having a single
access point for all current
Building Code resources.
Using Building CodeHub is free, but
some resources you can find (such
as copyrighted material) may require
payment or subscription.
If you have questions or feedback,
please tell us what you think on
Building CodeHubs Feedback page
https://codehub.building.govt.nz/
feedback
INDUSTRY NEWS
NEXT STEPS FOR BUILDING
CODEHUB
Information will continue to be added
so Building CodeHub becomes a truly
comprehensive resource.
Latest updates https://codehub.
building.govt.nz/latest-updates
to Building CodeHub website has
further information.
QUIZ
1) What is Building CodeHub?
a. A place to chat to your friends
about the Building Code.
b. MBIEs Building Systems
Performance main website.
c. A place to find all the relevant
resources related to building
and construction compliance.
2) Can I find information on
how to fix my car on Building
CodeHub?
a. No, its for building and
construction compliance
information.
b. Yes, its a great place to find
information on cars and yachts.
3) Which statement best describes
Building CodeHub?
a. Building CodeHub contains
all the relevant resources you
need to design and construct a
building.
b. Building CodeHub is free and
easy to use.
c. Building CodeHub is online
and will continue to be updated
regularly.
d. All of the above
Check your answers https://www.building.
govt.nz/about-building-performance/
news-and-updates/codewords/codewords-
issue-80/find-building-resources-building-
codehub/quiz-answers/
7
LICENSED BUILDING PRACTITIONERS
Know your stuff:
Exempt Building Work, Part 3
PARTS 1 AND 2 OF THIS SERIES COVERED OFF SEVERAL EXAMPLES OF EXEMPT
BUILDING WORK (BUILDING WORK THAT DOES NOT REQUIRE A BUILDING CONSENT)
AND SOME OF THE MEASURABLE EXEMPTIONS. THIS PART, THE THIRD AND FINAL IN
OUR SERIES, WILL LOOK AT EXEMPTION 1. THIS EXEMPTION OFTEN COMES DOWN
TO INTERPRETATION AS OPPOSED TO AN EXACT MEASUREMENT.
As a brief recap
from our previous
articles, all building
work requires a
building consent,
except for work
covered by Schedule
1 of the Building
Act 2004. MBIE has
issued guidance
on Schedule 1 with
helpful and practical
examples.
BUILDING WORK THAT DOES
NOT REQUIRE A BUILDING
CONSENT
https://www.building.govt.nz/
projects-and-consents/planning-a-
successful-build/scope-and-design/
check-if-you-need-consents/
building-consent-exemptions-for-
low-risk-work/schedule-1-guidance/
has further information
Dont forget to check if you need
a building consent by reading the
guidance and contacting your local
building consent authority. This will
help you avoid fines from councils
or penalties from the Building
Practitioners Board (the Board).
8 carters.co.nz
The Board has considered a number
of complaints that relate to work
undertaken using Schedule 1 and has
offered up the following advice for
practitioners:
Licensed building practitioners
have to be cautious when making
enquiries as to whether a building
consent is required or not. It is
recommended that if they are to rely
on such advice, that they:
a. disclose the full extent of the
building work to be undertaken;
b. seek to obtain the advice in
writing so that they have a
means of verifying it or, if written
advice cannot be obtained, that
they make a contemporaneous
record of the enquiry and verbal
response received; and
c. if in doubt seek professional
advice as well from an engineer
or similarly qualified person.
EXEMPTION 1 GENERAL
REPAIR, MAINTENANCE AND
REPLACEMENT
Exemption 1 allows you to repair,
maintain or replace building elements
without needing to obtain a building
consent provided a series of
conditions is met. You cannot use this
exemption on work that is sanitary
plumbing work as this is covered by
exemptions 3238.
CONDITION 1
The repair and maintenance of
any element incorporated in or
associated with a building is
exempt building work provided
that comparable materials are
used.
This covers general repair and
maintenance but does not cover
repair or replacement of an
element that has failed its durability
requirement under the Building
Code. This may include a failure to
comply with the external moisture
requirements of the Building Code
(such as in a leaky building). At a very
high level, the Building Code Clause
B2 durability requirements are:
Easy to access and replace
elements such as coatings
(paint) and light fittings must last
a minimum of five years.
Moderately difficult to access
and replace elements such as
interior wall linings, claddings or
windows must last a minimum of
15 years.
Difficult to access and replace
elements, or critical components
of a building, such as structural
wall framing or foundations must
last a minimum of 50 years.
BUILDING CODE CLAUSE B2
DURABILITY
https://www.building.govt.nz/
building-code-compliance/b-
stability/b2-durability/ has further
information.
CONDITION 2
Replacement of any element
incorporated in or associated
with a building is exempt
building work provided that a
comparable element is used and
the replacement is in the same
position.
This is commonly referred to as a
like-for-like replacement but this
 LICENSED BUILDING PRACTITIONERS

is not technically correct. You are

able to use a comparable element
(not necessarily the same type of
element) provided it is in the same
position.
Some older products might meet
the comparable test, but may not
comply with the current Building
Code, e.g. you would not replace
asbestos cladding with asbestos
cladding as you would breach Clause Roof detailing: poor finishing of flashings and Reroof: fixing over existing cladding with thin
excessive and inappropriate use of sealant. timber battens and inadequate fixings.
F2 Hazardous Building Materials.
The modern-day substitute is fibre-
cladding, but did not do a Building of the Building Code. The LBP
cement based sheet. If you are in
Code-compliant or quality job. was disciplined by the Building
any doubt a useful test is provided
Exemption 1 in Schedule 1 was Practitioners Board and had his
in Verification Method B2/AS1. The
utilised in this instance, but the licence cancelled, however the Board
assessment of comparability is about
building work failed to meet decided not to publicly name the
the level of performance for a product
the performance requirements practitioner in this instance.
or element.
You cannot use this exemption
if you are replacing an element
that is substantially contributing 1) What kind of building work is covered by
to the structural behaviour or fire exemption 1?
safety properties, or most or all of a a) New builds and repairs.
specified system (such as emergency b) Additions and alterations.
lighting). You are also not able to use c) Garages and maintenance.
this exemption for replacement work d) Repairs, replacements and maintenance.
that has failed its durability test as
discussed above. 2) In terms of Schedule 1, what else do I need
to consider when replacing something
WHAT DOES THIS ACTUALLY with a similar component?
MEAN? a) The value of the work.
This means that you can do a lot of b) Whether the new component will be
repair, replacement or maintenance Building Code compliant and will be in the
work without needing to obtain a same position.
building consent. It is a judgement c) Whether I hold the right kind of LBP licence.
call sometimes on whether your
material is comparable or whether 3) If my house has 30-year-old timber
the element you are replacing has weatherboards that are beginning to
failed its durability requirements degrade, can I replace them with new
under the Building Code. Youll need timber weatherboards without a building
to do some thinking before you use consent?
this exemption. a) Yes, its covered by exemption 1.
b) No, you need a building consent regardless
If you have any questions about using
of anything else.
this exemption on-site because it can
be a little tough to come to a clear
4) Do I need a building consent to install
decision, we recommend that you
a new long-run corrugated metal roof
either seek an exemption 2 from the
to replace my leaking 12-year-old
council or you apply for a building
waterproof membrane roof?
consent rather than risk it. You can
a) No, because it involves replacing a roof
also check out the helpful examples
cladding with another roof cladding.
in MBIEs guidance document.
b) No, because the replacement roof cladding
REAL WORLD LEARNINGS is in the same position.
In addition to this, an example of
a roof replacement was recently CHECK YOUR ANSWERS https://www.building.govt.nz/about-building-
brought to MBIEs attention. In this performance/news-and-updates/codewords/codewords-issue-80/exempt-
instance, the roofer in question building-work-3/quiz-answers/
elected to reroof over an existing roof

9
HEALTH & SAFETY

Highlighting
safety net issues
Worksafe New WHAT HAPPENED?
Zealand recently In the last few months, we have been notified of several incidents involving the
failure of safety nets for workers working at heights. These incidents resulted in
issued a Safety workers being injured some very seriously.
Alert highlighting A fall from height can cause serious harm to a worker (or any other person).
Installing a safety net below a work area at height reduces the chance a worker
the serious health will be harmed if they fall.
and safety risks for However, these incidents highlight the importance of setting up safety nets

workers when using correctly so they are effective.

poorly installed safety WHAT WE KNOW
nets as protection In each of the incidents that we have
investigated, the failure fell into two
against a fall from categories: incorrect installation or
height. non-compliant product.
Some of the key failures that we have
found:
nets that are well below an
acceptable standard for use on
site;
nets are not being installed to
allow for deflection (installed too
tight or too loose);
brackets are not being installed to
withstand shock loading;
brackets are being installed into
non-load-bearing structures/
knotted wood causing the bracket
to pull/break away if a worker falls
into the net;

installation by untrained installers; Tek screws are failing due to

nets are not coupled correctly
when multiple nets are used in a
large room;
nets are being uninstalled and
reinstalled by untrained workers
on site;
poor installation technique/over
torqueing/re-use of screws.
WORKSAFE ADVICE
Safety nets are designed to
progressively deflect (stretch) and
absorb the energy of a fall, so a

10 carters.co.nz

falling person is less likely to be
injured. The greater the fall height,
the greater the impact; so the nets
deflection must also be greater. The
safety net must be able to deform
or deflect enough to absorb all of
the energy when someone falls up
to the maximum fall height for the
design.
FOR THE SUPPLIER
Ensure that any nets you supply
meet the appropriate standards
for New Zealand.
Provide clients with standard
operating procedures or
instructions for installation.
Ensure that the equipment you are
supplying is in sound condition
before each use.
Ensure that your installers are
trained and competent (and you
are assessing and monitoring their
work/auditing their installation).
Ensure that the nets are adequate
and fit for purpose for each job.
Talk to your clients about the
suitability of nets as fall protection.
FOR THE INSTALLER
Follow the instructions for
installation.
Ensure safe methods of work are
followed.
Ensure the correct use of
anchorages/ties/ foundations
and that they are suitable
for the application (designed
to a standard/engineered
specifications that they will
withstand the amount of force if a
person falls).
Ensure that clients are clearly
informed on the correct use and
limitations of the equipment,
including the need to have
installers reinstall nets after a fall,
or where nets have been partially
removed.
FOR THE CLIENT
Plan your work flow to ensure
height safety equipment arrives at
the best time.
Make sure that you communicate
the full extent of your needs to the
net supplier.
Ensure the equipment supplied is
suitable for your work.
Ensure you/your workers are
aware of the use and limitations of
the equipment, and its fit for your
purpose.
Ensure that nets are reinstated
by a competent person after an
alteration or fall.
HEALTH & SAFETY
GUIDANCE
Safe Use of Safety Nets
This best practice guideline
outlines safety net requirements
and the safe use of safety nets:
http://construction.worksafe.
govt.nz/guides/safe-use-of-
safety-nets/#summary
Working at Height in New
Zealand
This good practice guide will
provide practical guidance
to employers, contractors,
employees and all others
engaged in work associated
with working at height.
Selecting the right equipment
for working safely at height
(fact sheet): http://construction.
worksafe.govt.nz/guides/
working-at-height-in-new-
zealand
Fact sheets, bulletins and alerts
for Preventing Falls From Height
In Construction: http://www.
worksafe.govt.nz/worksafe/
information-guidance/national-
programmes/preventing-falls-
from-height-in-construction/
factsheets-bulletins-and-alerts
11
HEALTH & SAFETY

Busting common myths

about working at height
Dont want to fall MYTH: I dont need to wear a harness if Im in a scissor lift, do I?
short on working ANSWER: According to Worksafes Best practice guidelines for working at height
in New Zealand, if youre using a scissor lift, a harness should be worn unless a risk
at height? Site assessment has proven that the work can be done safely without a harness, and there
is no risk of falling.
Safe has put
together some
TIPS TO REMEMBER: Workers need to keep both feet on
tips based on When using a scissor lift or other the work platform.

commonly
asked questions.
Site Safe is a not-for-
profit, membership-based
organisation that promotes,
inspires and supports a
culture of health and safety
in New Zealand construction.
elevating work platforms, like a
cherry picker, and using a harness,
you should ideally be protected by
a double lanyard system fitted with
a short energy absorber or fit for
purpose self-retracting lifeline (SRL),
fixed to a certified anchor point.
The worker operating the lift must be
competent in its use.
Make sure to follow any instructions
given by the manufacturer.
People must work inside guardrails
and not reach or climb over the rails.
If you often work at height, its a
good idea to regularly practise and
review your rescue plan that way
if the worst does happen, everyone
will know what to do and no-one will
hesitate.
ARE YOU COMPETENT?
If you or your workers are wearing a
harness, youll need to be trained and
competent. Only trained and competent
people can install and use harness
systems on site. Untrained workers must
be trained by a qualified person before

12 carters.co.nz
 HEALTH & SAFETY

they are permitted to use a harness
system. They will also need to be
supervised at all times by another
worker who is also trained and
competent. For workers completing
basic work, a recommended way
of showing competence isNZQA
Unit Standard 23229 Use a safety
harness for personal fall prevention
when working at height. If you are
involved in planning, installing,
operating fall arrest systems and
supervising staff, NZQA Unit Standard
15757 Use, install and disestablish
proprietary fall arrest systems when
working at heightis recommended.
To get these Unit Standards, check
out Site Safes Height and Harness
Safety and Fall Arrest Systems
courses. To learn more about how
to do a risk assessment, download
the free Risk Guide from Site Safes
website or check out the new Risk
Management course.

Working at height checklist BEFORE GETTING STARTED:

#1 Identify the tasks to be done
#2 Identify the hazards for each task
#3 Identify the risks linked to each hazard
#4 Identify control measures
#5 Pick the right mobile elevating work platform for the job
#6 Develop your plan (this could be done via a Safe Work Method Statement or a Task Analysis)
#7 Make a plan for what to do in an emergency
#8 Record the planning, including any rescue plan
#9 Involve people and talk to everyone working on the job about the plan
#10 Review the plan before the job starts and add any changes

13
 HardieGroove
Lining

Add style and character

to walls and ceilings.

HardieGroove Lining with its tongue and groove look is suitable for use
as an internal wall lining, ceiling lining, semi-wet bathroom areas or even
your soffits and verandah ceilings.

Large panels allows for easy installation - perfect for your DIYer.

Outstanding impact resistance so it retains its good looks for years

to come.

Ask James Hardie I Call 0800 808 868 I jameshardie.co.nz

 NEVER TRUE ALWAYS TRUE

Your workmate Pink Batts has the

wont mind you using right product for your
his tools every day. building project.

We are committed to bringing out new products,

and product innovations to help builders get the
job done properly. With Pink Batts thermal
insulation for walls, ceilings and floors in a
range of sizes, thicknesses and R-values, along
with Pink Batts Silencer wall and mid-floor
acoustic insulation, plus the Sisalation range of
building paper, foils and synthetic building wraps,
we have the perfect product for your building
project. Always.
 HEALTH & SAFETY
Managing
hazardous substances
This year will see changes to the
laws around managing hazardous
substances in the workplace.
The Health and Safety at Work (Hazardous Substances)
Regulations will come into force in December, aimed at
reducing both immediate harm and longer-term illness
caused by the work-related use of hazardous substances.
WHEN DO YOU NEED TO COMPLY WITH THE NEW
REGULATIONS?
Most of the requirements under the new Hazardous
Substances Regulations will come into force on December
1st. However, there are some areas where there are later
commencement dates. Find out more about these and
what happens to current certifications and approvals
http://www.worksafe.govt.nz/worksafe/information-
guidance/guidance-by-industry/hsno/hazardous-
substances-regulations/commencement-and-transitional-
arrangements.
HAZARDOUS SUBSTANCES TOOLBOX
The Hazardous Substances Toolboxhas practical tools and
guidance including:
The Hazardous Substances Calculator (currently
called the HSNO Calculator)
The Practical Guide to Working with Hazardous
Substances
A workbook to help you create an inventory
Animated videos about the safe management of
hazardous substances
Information for workers on staying safe around
hazardous substances
The Hazardous Substances Calculator is a valuable, time-
saving tool available free of charge that you can use to
create, edit and access your inventory online. It allows you
to:
Create a compliant inventory
16 carters.co.nz
Identify the majority of requirements you must comply
with for the substances in your workplace
Access guidance material and legislation
The Toolbox and Calculator are availableat
www.hazardoussubtances.govt.nz.
They will be updated to reflect the new Regulations,
but now is a good time to familiarise yourself with the
Calculator. Your saved inventory will be accessible when
the Calculator is updated, but you will need to update the
information to create a compliant inventory.
UPCOMING GUIDANCE
We are developing a range of guidance documents
around managing hazardous substances in the workplace
and your obligations under the Hazardous Substances
Regulations. The first documents that will come out before
1 December are:
The Practical Guide to Working with Hazardous
Substances this is an update of the Practical Guide
currently on the Hazardous Substances Toolbox
The Interpretive Guide to Changes to Hazardous
Substances Regulations for the Workplace
An Emergency Management Flipchart to help you
document the processes for a range of potential
emergencies in your workplace
Eight subject-specific quick guides on:
1. Certified handlers
2. Information, training and instruction
3. Inventory
4. Storing class 6 & 8 substances
5. Labelling
6. Risk management
7. Signage
8. Safety data sheets
When this guidance has been published it will be available
on the Worksafe website and promoted through the
Worksafe newsletter.
 HEALTH & SAFETY

Working safely with

hazardous substances
TheHazardous Substances Toolboxhas been created to help PCBUs
(person conducting a business or undertaking) who own or manage
small industrial businesses work safely with hazardous substances.
The Toolbox will also help you to increase your compliance follow no matter what hazardous substances you use and
with the Hazardous Substances and New Organisms Act store.
(HSNO) and offers some key health and safety principles
TheGuideprovides reference information about each
from the Health and Safetyat Worklegislation.
point made in the 5 Steps to Safety.The first step is to
The Toolbox is a multi-media package and some of the
prepare an inventory of all of the hazardous substances at
tools are available online only, other parts are available
your workplace.
in print only, while others are available both online and in
print. The Toolbox takes you through the 5 Steps to Safety TheWorkbookgives you instructions for filling out your
and provides you with the tools to complete each step. You inventory and an inventory form. The form is set up so
can learn more about the 5 Steps below. that you will record all of the information needed to use
The 5 Steps to Safety set out a 5 step process you must theHSNO Calculatorin step 5.

5 TO SAFETY
STEPS

STEP 1 STEP 2 STEP 3 STEP4 STEP 5

PREPARE AN ASSESS THE RISKS AND USE AND STORE YOUR GET READY FOR AN KEY HSNO CONTROLS
INVENTORY ELIMINATE, ISOLATE SUBSTANCES SAFELY EMERGENCY
AND MINIMISE

Use your Read the product Train your Have an annual Use the HSNO
Workbook to label and safety staff about the emergency drill Calculator to
make a list of all data sheet to find substances (not just a fire find out whether
of the substances out whether your they use and drill) you need the
at your workplace substances are how to protect Make sure staff following key
and how much hazardous themselves know how to HSNO controls:
you have of each Consider staff Provide staff with use the safety Fire extinguishers
substance. Your exposure to the correct safety equipment, Signs
Workbook helps hazardous gear personal Approved
you to record all substances Store only what protective handler
of the information Where possible, you need equipment and
needed to use Location test
get rid of Store your how to give first
the HSNO certificate
hazardous hazardous aid
Calculator. Hazardous
substances from substances in Be prepared for
atmosphere
your workplace labelled, leak- a spill.
zones
or isolate their proof containers Store your
use away from Emergency
Store hazardous
people response plan
incompatibles substances in
If any staff may labelled, leak- Secondary
separately
still be exposed, proof containers containment
Store gas (bunding).
minimise cylinders safely Store
exposure as incompatibles
Store oxidisers
much as possible. separately
safely
Be aware that Store gas
flammable cylinders safely
vapour can build Store oxidisers
up and accidently safely
ignite. Be aware that
flammable
vapour can build
up and accidently
ignite.

This booklet also includes information about the following key HSNO controls:
Approved filler Stationary container system test certificate Controlled zones Tracking.

17
 BUSINESS INSURANCE

Are you
under insured?
Holding back on insurance can be tempting when moneys tight. But
managing your risks could mean the difference between going under
and thriving. Heres what you need to think about.
Most small businesses are buildings you own, e.g. from fire, find the best deals.
under-insured, says Insurance flooding or an earthquake. The sort of policy youll need will
Council of New Zealand NOTE: If you work from home, differ depending on the kind of work
Chief Executive, Tim Grafton. household insurance does not you do and where you do it, e.g. if
Its partly because owners automatically cover your property if youre:
are too busy sailing into the youre using it for work. a tradesperson working on
wind to keep ahead to think ASSET INSURANCE building sites;
about what could hit them offering professional services,
This covers items your business
from the side or beneath. e.g. IT or accounting;
owns, e.g. computers, furniture, tools
Insurance doesnt make risk
and stock, from things like loss and working from home, eg in your
disappear, but is one tool in
damage. Make sure you know what spare bedroom or garage;
your resilience and continuity your policy covers you for. There are a retailer.
planning. two main types:

Types of insurance indemnity the most common policy

type, which takes wear and tear into Curretont assets
keep track of
checklorist
the money
you own
Fixed assets checklist
bought to run your business.

are owed, and

Common fixed assets
items worth more than $500 youve
Use this list to keep track of big-ticket

the things you Intang

Use this ible as
sets
Fill in what youve got
list to kee
checkl

to think about:
Use this list p track
sell to make
money.
youve got
of asse
ts like
your inte
llect
ist
Fill in what Common ual prop

account when paying your claim;

intangib erty , goodwil
Computers and laptops le assets l and bran
t assets d.
Common curren
Computer hardware, including printers Patents Fill in
accounts what you
s bank ve
of your busines got
Cash, eg balance
Computer software programs
Trade mar
customers

COMMERCIAL VEHICLE
ks
cheques from
Undeposited
Some intellectual property, such as patents

LIABILITY INSURANCE
Copyrigh
ts
Petty cash Photocopiers

INSURANCE
ble Designs
Accounts receiva Office furniture

investments

This protects you and your business if

lents, eg short-term Tools of the trade
Cash equiva Secret
formulas
or proc
esses

If you use a vehicle for work

ry Plant or machinery used for production
Stock invento
Other type

someone sues you or an employee. It

s of intel
Art lectual
property
l
Raw materia

whether youre a company, sole

Purchase
ing supplies Motor vehicles d custome
and packag r lists
Manufacturing

also covers you if accidentally you:

leased with an
Buildings, including any space you have
option to buy or rent out Goodwil
l, or the
assets
Other current bene

trader or contractor you may need

fit of a
business
good
Land name and
reputatio
assets Other intan n
Other current gible asse

break the law;

bonds ts
Long-term investments, eg stocks or

a commercial vehicle insurance

assets
Other current Other intan
Other fixed assets gible assets

assets
Other current
Other fixed assets Other intan
gible

policy. Check with an insurance

assets

make a professional mistake, e.g.

assets
Other current
Other fixed assets
Other intan
gible assets
Other fixed assets

giving bad advice. broker. Other fixed assets

Other intan
gible asse
ts

BUSINESS INTERRUPTION TRANSIT INSURANCE

INSURANCE This covers you if equipment or stock
This covers you against losses is damaged when you or a freight
resulting from an interruption to company is moving it. FOR MORE ON HOW
your business, e.g. when you cant TALK TO A BROKER TO IDENTIFY YOUR
trade after a disaster, like a fire or an BUSINESS ASSETS,
Its best to talk to a professional
earthquake. REFER TO THE ARTICLE
insurance broker about which
COMMON BUSINESS
COMMERCIAL PROPERTY policies are right for you. They can
ASSET CHECKLISTS ON
INSURANCE also help you to assess how much
THE FACING PAGE.
This covers you for damage to you can afford to pay for a policy and

18 carters.co.nz

Common business asset checklists
USE THESE LISTS TO IDENTIFY THE ASSETS YOU OWN. YOU CAN DOWNLOAD AND PRINT OUT DOCUMENT
VERSIONS AND FILL IN THE BLANKS TO HELP YOU GET THE MOST VALUE FROM YOUR ASSETS.
Owning a healthy combination of
fixed, current and intangible assets
means cash in the bank, smooth
operations and long-term value.
The quantities you have of each
will largely depend on what kind of
business you are.
By keeping an accurate record of
what assets you own, you can:
calculate the value of your
business;
fill out your balance sheet;
understand what can be
depreciated;
get an idea of what assets you
need to start a business;
manage your assets.
CURRENT ASSETS
Your current assets are your
marketable securities. In other words,
they are the money thats in the bank
or owed you, or any items that can
easily be sold or converted to cash.
They are sometimes referred to as
non-fixed assets.
How to identify a common asset:
1. It is cash, or can easily be
converted to cash.
2. You expect to use it within one
year.
COMMON CURRENT ASSETS
Cash, e.g. balance of your
business bank accounts;
Undeposited cheques from
customers;
Petty cash;
Accounts receivable;
Cash equivalents, e.g. short-term
investments;
Stock inventory;
Raw material;
Manufacturing and packaging
supplies.
FIXED ASSETS
Your fixed assets are the big-ticket
items youve purchased to run your
business. They are sometimes
referred to as as non-current assets.
How to identify a fixed asset:
1. You own the item, or have
bought it under a hire purchase
agreement. Items leased under
certain arrangements, eg finance
leases, are also considered fixed
assets.
2. Its valued at $500 or more.
3. It has a useful life of more than
one year.
4. The cost cant be claimed in full as
a business expense.
COMMON FIXED ASSETS
Computers and laptops;
Computer hardware, including
printers;
Computer software programs;
Some intellectual property, such
as patents;
Photocopiers;
Office furniture;
Tools of the trade;
Plant or machinery used for
production;
BUSINESS INSURANCE
Art;
Motor vehicles;
Buildings, including any space you
have leased with an option to buy
or rent out;
Land;
Long-term investments, eg stocks
or bonds.
Most of your fixed assets will lose
value over time, but you can often
claim depreciation at tax time.
Depreciation deductions are allowed
for most fixed assets except on
most buildings, land and long-term
investments.
INTANGIBLE ASSETS
Intangible assets are your intellectual
property, goodwill and brand. They
add commercial value to your
business.
How to identify an intangible asset:
1. It lacks physical existence.
2. It adds commercial value to your
business.
COMMON INTANGIBLE ASSETS
Patents;
Trade marks;
Copyrights;
Designs;
Secret formulas or processes;
Other types of intellectual
property;
Purchased customer lists;
Goodwill, or the benefit of
a business good name and
reputation.
19
 BUSINESS
The gift of Christmas
The fringe benefit tax rules for Christmas gifts
n BY SHANE STOREY
ACCORDING TO WIKIPEDIA THE TWELVE
DAYS OF CHRISTMAS IS A 12-DAY PERIOD,
CELEBRATING THE CHRISTMAS NATIVITY,
STARTING ON CHRISTMAS DAY AND
TRADITIONALLY A PERIOD OF FASTING. OH,
HOW TIMES HAVE CHANGED.
It transpires that the twelve days of Christmas 18th
century carol synonymous with the festive season has
my true love sending an ever-increasing quantity
of gifts to a much-loved recipient (who is probably at
a loss with what to do with the 30 Lords a Leaping).
In fact, the total number of gifts comes to 364 - or
376 if the pear tree is included. The total cumulative
cost of all goods and services for the tongue-in-
cheek Christmas Price Index has been estimated at
NZ$48,187.19, or $219,408.44 for all 364 items.
Gift giving has become an essential part of Christmas
and, within the context of employment, its no
exception. Irrespective of accounting balance dates,
Christmas marks the end of the calendar year and
provides a traditional time when the performance of
valued employees can be recognised with something
a little special.
Employee recognition should be considered
akey ingredient in your business mix. Rewarding
exceptional employees for excellent work boosts
morale, increases productivity and innovation,
and helps retain top performers. However, such
recognition brings with it the very non-festive tax
consequences of showing that recognition.
As a general rule, gifts of cash, or vouchers which
can be redeemed for cash, are treated as additional
remuneration and are subject to PAYE. Even though
a Christmas bonus may be considered a gift, rather
than remuneration for work done, such payments are
still considered pay for work. The amount
of PAYE to be charged on a one-off
lump sum depends on the tax
bracket of the employee.
20 carters.co.nz
Anything given other than cash will generally be
subject to Fringe Benefit Tax and these include gifts
of food or drink, if the employee can choose when
to enjoy them. Fortunately, FBT is not charged on
unclassified fringe benefits such as these, so long as
two exemptions are met.
The first exemption is the general employee
exemption. This means that FBT is not charged as
long as the unclassified fringe benefits to a single
employee do not exceed $300 per quarter.
The second exemption is the maximum employer
exemption which means that the total unclassified
fringe benefits to all employees must not exceed
$22,500 per year.
To be exempt from the FBT regime, an employer must
meet both criteria.
If the thresholds are exceeded, then all benefits will
be subject to FBT, not just the excess amount. So,
provided the exemption levels can be met, giving a
present can be more tax-effective than paying cash.
A firm once gave each employee a $100 note at a
Christmas breakfast, and then two hours to buy
themselves a present - provided they brought back
the receipt and any change. Some discretion was
required in what was bought, but only because the
event was followed by a show-and-tell. Here, the
employees were acting as agents of their employer to
buy themselves a gift. Provided the thresholds were
not exceeded, this was free of FBT. It was not subject
to PAYE because the cash they received was not
theirs.
So, as we prepare for the coming Christmas craziness,
keep in mind the thirteenth day of Christmas, when
my true love brought to me a fringe benefit tax return.
Shane Storey has more than 20 years experience in
financial accounting and is the Managing Director of
accountancy specialists Storey & Associates, which
offers innovative and creative solutions to business and
investment needs and valuable business development
advice. Storey & Associates can be contacted on
(06) 355-4647, via email at administrarion@
storey-associates.co.nz or visit their website at
storeyandassociates.co.nz
Best Practice Series
No 4 - Wall Installation
7 THINGS TO CONSIDER WHEN INSTALLING
A QUALITY WALL
01. Ensure timber framing is dry (less than 18% moisture
content) and straight before fixing GIB plasterboard. This
will help prevent shrinkage, cracks, nail popping or other
problems in the future.
02. Fixing GIB plasterboard sheets horizontally instead
of vertically on walls reduces the number of joints,
helping to achieve a more uniform appearance.
Orientation of sheet layout should be considered when
there is critical light (skylights, windows, light fitting, etc.)
top: Vertical fixing increases the number of joints and fixings,
bottom: Horizontal fixing achieves a more uniform appearance as it reduces the
rise of shadowing from glancing light.
03. With curved walls, plasterboard sheets must be fixed
horizontally.
FOR MORE INFO VISIT GIB.CO.NZ OR CALL THE GIB HELPLINE ON 0800 100 442
04. Hold the plasterboard sheet tight against the framing,
approx. 5-10mm off floor, and sink screws to just
below the sheet surface, leaving the paper intact.
05. Do not fix nails or screws through; or closer than
200mm to adhesives. This can cause the nails or
screws to pop as the adhesive dries and shrinks.
06. Vertical joints must not coincide with the edge of
windows or doors. These should be made above the
opening, approximately 200mm to the edge of the
opening.
07. Control joints to be placed in walls at a maximum 12m
spacing in each direction or at other points which may
be the subject of underlying structural movement. This
is to relieve stresses imposed by structural movement
or changes in humidity and temperature.
Framing dimensions and structure performance must
comply with the requirements of NZS 3604:2011.
The GIB Site Guide
contains all the
information youll
need to correctly
install GIB
plasterboard on walls.
JUNE 2017
 LEGAL
Dispute resolution in
construction
What are your options?
n BY JAMES SKINNER AND CAMERON PATERSON
Builders do not enter into construction
contracts with a view that the project will end
in a dispute. However, it is important builders
know the options available to them should a
legal dispute arise.
There are three main types of dispute
resolution used in the construction
industry. They are, mediation,
adjudication and litigation. In this
article we examine the details of
each of these three options, and we
explore how builders can implement
positive professional habits to
prepare themselves for any of the
three dispute resolution options.
THE CONTRACT
When a dispute arises, it is important
to firstly check your construction
contract to establish whether or not
a specific dispute resolution process
is to be implemented. It can be the
case, depending on your contract,
that the parties agree to a specific
22 carters.co.nz
dispute resolution process in the
construction contract which will then
need to be implemented.
MEDIATION
Mediation is where an independent
mediator helps resolve a dispute
in a semi-formal and confidential
environment. In meditations, all
parties to the dispute are usually
present along with their legal
representatives.
The mediators role in the mediation
is to simply facilitate the discussions
and to clarify parties position and
arguments in a constructive manner,
with the ultimate goal of settling
the dispute at the conclusion of the
mediation.
In order for the mediation process
to be effective, parties need to be
willing to engage with the other
party to the dispute and be willing
to compromise on their position to a
certain extent. Therefore, mediation
can be a useful tool when the parties
to the dispute are amicable or
somewhat civil toward each other
to the extent that meeting in a room
would likely lead the parties solve
their dispute.
The pros of mediation are vast as set
out below:
It can settle a dispute quickly;
It gives the parties a chance to
get their respective positions
across to the other side in a
constructive way;
It can be cheaper than other
forms of dispute resolution as
ongoing lawyers fees and court
costs stop mounting.
The cons of mediation might be:
There is no guarantee that the
dispute will settle.
It can be confrontational and
tense as all parties are in one
room together for the mediation;
Good mediators fees can be
expensive;
ADJUDICATION
Adjudication is a unique fast track
process where most disputes are
resolved in relatively quick fashion
from the time the process is initiated.
Under the Construction Contracts
Act 2002, any party to a construction
contract is entitled to refer a dispute
arising under that construction
contract to adjudication except where
the parties have agreed to refer the
disputes between them to arbitration
and the arbitration is an international
arbitration.

The party who initiates the
adjudication (the claimant)
commences the adjudication by
serving a notice of adjudication
on the other party or parties (the
respondent(s)). There are a number
of requirements setting out what
must be included in the notice of
adjudication including, the nature
of dispute, parties involved, remedy
sought, etc.
An adjudicator to determine the
claim must then be appointed within
five working days. This can either
be done by the parties agreeing
who they would like to appoint, or
by requesting a nominating body to
appoint an adjudicator.
Once an adjudicator has been
appointed, the claimant has a
further five working days to provide
an adjudication claim to the
adjudicator and the respondent.
The adjudication claim needs to
specify the nature or grounds of the
dispute, and should be accompanied
by the claimants evidence, in the
form of affidavits of evidence and
other supporting documents. The
respondent(s) then have five working
days to respond to the claim by
providing their own evidence and
C O N T E M PO R A RY
P LY W O O D S O L U T I O N S
documents in response.
The adjudicator then has 20 working
days to issue his or her written
determination after receiving the
respondents adjudication.
LITIGATION
Litigation is the formal court process
for resolving disputes. The Court
system can be a slower and more
expensive option. Although it is
recommended that lawyers are
engaged for all the dispute resolution
processes discussed in this article,
filing proceedings in the Courts
will likely require either a lawyer or
someone with knowledge of Court
processes to assist.
Initiating legal proceedings is done
by filing a series of documents in
the Court including a Statement of
Claim which sets the claim. Once the
documents filed by the claimant are
returned from the Court, they can
then be served on the other side,
after which the defendant(s) will have
25 working days to file in the Court
and serve on the plaintiff a Statement
of Defence.
From this point, a case management
conference will be allocated where a
Judge will set timetable directions for
Changing the perspective of plywood cladding.
Please visit: www.shadowclad.co.nz or call: 0800 326 759
LEGAL
parties obligations moving forward.
The end result of litigation is a
Judgment which is an indisputable
document setting out a Judges
determination of the case, and, with
the exception of appeals, is a final
determination.
CONCLUSION
It is important to seek professional
advice when a construction dispute
arises. Determining what the best
dispute resolution process is at the
beginning of a dispute will help
ensure that the dispute is dealt with
in the most cost effective way and
will give you the best chance at
obtaining the best outcome.
FOR MORE INFORMATION
James is an experienced construction
and civil litigator who has represented
a wide range of clients large and small,
including builders, building companies,
waterproofers, roofers, window joinery
suppliers, designers, engineers,
homeowners and councils across New
Zealand.
Cameron is a lawyer who works alongside
James in the construction arena. www.
skinnerslaw.com.
This publication is intended only to provide
a summary of the subject covered and is
of a general nature. You should not act in
reliance on any statement contained in this
publication without first obtaining specific
professional advice from your lawyer.
For more information on Shadowlcad Plywood
Interior Linings and Exterior Cladding Solutions.
www.shadowclad.co.nz
 ECONOMICS

New Government needs

to address housing affordability
Housing affordability is mainly discussed in the context of Auckland.
This is partially appropriate, but the same issue applies to much
of the upper North Island, parts of the South Island (especially the
Queenstown Lakes District) and, to a lesser extent, other parts of the
country. However, the Auckland market is useful for putting some
of the implications of expensive sections, new housing and existing
housing in context.
National's solutions to the housing BIZARRELY THE MEDIAN AUCKLAND SECTION PRICE IS NOW ALMOST
affordability problem have been EQUAL TO THE NATIONAL MEDIAN DWELLING PRICE THAT INCLUDES
largely ineffectual. Even in Auckland, THE DWELLING, THE SECTION AND OTHER IMPROVEMENTS.
where 154 Special Housing Areas
were approved between 2013 and Existing house prices are closely the section. Most of the increase in
2016 that could supply over 60,000 linked to section prices as shown in Auckland existing dwelling prices
new housing lots, section and the chart for Auckland. This makes since 2012 can be attributed to rising
existing house prices soared after sense in the context of an existing land prices. To put this bluntly, if the
2013 as shown in the chart below. property being a dwelling on top of median section price in Auckland
was currently around $320,000, as it
was in 2013, rather than the current
$525,000, the median Auckland
existing house price would
probably be around $205,000, or
25% lower.
This may explain National's
resistance to implement
policies that would make
significant progress in getting
down section prices. Rightly or
wrongly, existing property owners
have been major beneficiaries of
the policies pursued by National at
the expense of future generations of

REINZ Auckland Median Prices

Rolling 12 month averages $000
900 900
800 800
700 700
600 Dwelling Price 600
Section Price
500 500
400 400
300 300
200 200
100 100
0 0
Jan-94 Jan-97 Jan-00 Jan-03 Jan-06 Jan-09 Jan-12 Jan-15 Jan-18

24 carters.co.nz
 ECONOMICS

property owners. Another consequence is a

growing percentage of not just the Auckland Monthly Number of Consents for New Dwellings
Source: Statistics New Zealand
population is living in substandard housing. 3,500

3,000
IN TERMS OF RELEVANCE TO THE
2,500
BUILDING INDUSTRY, ONE ECONOMIST
ESTIMATES THAT THE LEVEL OF 2,000

RESIDENTIAL BUILDING IN AUCKLAND 1,500

WOULD BE AROUND 20% HIGHER NOW 1,000
THAN IS THE CASE IF SECTION PRICES
500
HADN'T INCREASED MORE IN LINE WITH

Jan-02
Jan-03
Jan-04
Jan-05
Jan-06
Jan-07
Jan-08
Jan-09
Jan-10
Jan-11
Jan-12
Jan-13
Jan-14
Jan-15
Jan-16
Jan-17
Jan-18
Jan-19
PRICES IN GENERAL RATHER THAN
DOUBLED IN THE LAST EIGHT YEARS.

The result is a growing percentage of people Number of Consents for New Houses
Source: Statistics New Zealand
who would like to own a new home being 2,500
priced out of the market. This is becoming of 2,300
growing relevance in the likes of Hamilton, 2,100
1,900
Tauranga and Queenstown as well as some
1,700
other markets. 1,500
1,300
Removing urban limits that give huge pricing
1,100
power to landowners in the zoned areas, 900
changing how new infrastructure (e.g. water, 700
sewage and roading) is funded and speeding 500
Jan-02
Jan-03
Jan-04
Jan-05
Jan-06
Jan-07
Jan-08
Jan-09
Jan-10
Jan-11
Jan-12
Jan-13
Jan-14
Jan-15
Jan-16
Jan-17
Jan-18
Jan-19
up the delivery of new infrastructure are the
critical steps National didn't implement. These
steps are needed if the housing affordability
problem is to be fixed. Monthly Net External Migration (2)
Source: Statistics New Zealand
This is a challenge facing the new 7000
government. If it is going to represent New
6000
Zealanders at large and take into account that
having affordable housing is important for the 5000
well-being - financial and otherwise - of future 4000
generations rather than just existing property
3000
owners, steps along these lines are needed.
Again, it is important for the building industry 2000
because only by improving affordability is 1000
there a genuine chance of growth in the 0
housing stock catching up with growth in the
-1000
population.
Jan-02
Jan-03
Jan-04
Jan-05
Jan-06
Jan-07
Jan-08
Jan-09
Jan-10
Jan-11
Jan-12
Jan-13
Jan-14
Jan-15
Jan-16
Jan-17
Jan-18
Jan-19

FOOTNOTES
(1)The lowest of the average floating and various fixed
mortgage rates charged by the largest mortgage
lenders
(2) Adjusted by Statistics New Zealand to remove the
seasonal pattern Monthly National Section Price (3)
(3) Median section price reported by REINZ ($000)
Source: www.reinz.co.nz
280
Minimum Mortgage Interest Rate (1) 260
Source: www.goodreturns.co.nz 240
10
220
9 200
180
8
160
7 140
120
6
100
5 80
60
4
Jan-02
Jan-03
Jan-04
Jan-05
Jan-06
Jan-07
Jan-08
Jan-09
Jan-10
Jan-11
Jan-12
Jan-13
Jan-14
Jan-15
Jan-16
Jan-17
Jan-18
Jan-19
Jan-02
Jan-03
Jan-04
Jan-05
Jan-06
Jan-07
Jan-08
Jan-09
Jan-10
Jan-11
Jan-12
Jan-13
Jan-14
Jan-15
Jan-16
Jan-17
Jan-18
Jan-19

25
 Highlights from our CARTERS
Advantage 2017 adventure

INDIA is a destination that is captivating, intriguing and

amazing - it delivered an Advantage experience like no other.

Our seven night adventure to India held much anticipation

for the 200+ CARTERS customers, suppliers and staff who
travelled.

From the alleyways of Old Delhi, which were visited by

rickshaw, to the marble beauty and imposing structure of the
Taj Mahal, India surprised and impressed at every turn.

The Bengal tigers roared in the jungle and put on an

incredible display whilst we were on safari in Ranthambhore
National Park. The Pink City of Jaipur, not to be outdone,
showed its majestic history, sights and sounds during the city
tours.

As the DJ played top 40 hits at the party held in the middle of

the Jaigarh Fort, everyone danced the night away. To top off
the week, our finale night event was watched over by royalty
in the gardens of the City Palace, still home to the royal family.

Seven days in India created memories to treasure for a

lifetime and left many compelled to return. Enjoy the photos
which are a snapshot into our 2017 Advantage journey, which
showcased a destination brimming with life, culture and
personality.

Where to next? CARTERS Advantage 2018 to Mexico and

Cuba another incredible destination just waiting to be
discovered and enjoyed. These trips truly are once in a
lifetime opportunities, so why not join us and experience
it for yourself?

To find out more log in to www.cartersadvantage.co.nz

or speak to your CARTERS Account Manager.

See the world and experience CARTERS hospitality for

yourself a great adventure begins here.
 Advantage 28 JULY - 6 AUGUST 2018

Are you ready to travel back in time? Are you The two countries couldnt be more different, yet each is sure to capture your
imagination and charm you in its own unique way. Come and explore with us
ready to enjoy fabulous cuisine, amazing cultural
Advantage style to see it with your own eyes. This is an adventure not to be missed.
experiences and all that Mexico and Cuba offers?
If the answer is yes, then join us in 2018 on our fabulous Advantage getaway to
Mexico and Cuba! Mexico is an incredibly vibrant country filled with Aztec and
Mayan history, along with modern culinary and architectural delights. After Mexico
we get our Calypso shoes on and head to Havana, Cuba a destination where
Registrations are open now!
To secure your place visit www.carters.co.nz/Advantage2018
l
every day is 1955, youll love the amazing pastel coloured architecture and an
or to find out more, speak to your CARTERS Account Manager.

old-school cool vibe of a by-gone era.

CUBA
 Building
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