Nick Goodall

And I don't know if you want to talk more about some of those more holiday areas like Papamoa Beach, because Tauranga is so unique in that, right, that it's this, you know, it's a main centre.

It's one of the largest cities in New Zealand, but it's also got that holidaying beaches coastal area as well.

So what's sort of happening in the market up there?

And are there rental market hotspots as well?

Like, how's that city centre looking as well?

Like, I hate to say it, but when I have been to Tauranga in the last few years, and obviously with the council and issues you guys have had there, that city centre has been a bit tired and there's been issues with

the council being overthrown and things, but now we've got that new council, are they starting to have an impact?

How's that infrastructure and that building of development happening in that Tauranga area and then spreading out to those more coastal areas?

Yeah, I mean, it all adds up, right?

And like you said, you kind of got this great world where you've got the more expensive side of things and you've got the beautiful part of that, but you've still got some entry-level accessible properties as well, so you can sort of corner both of those markets.

Hey, look, I think that's a really, really good wrap-up of all the things going on in each of your regions.

I want to move to kind of expectations for next year and maybe starting off...

with sort of the interest rate view, right?

So I'm keen to get your guys' takes on where things are at, maybe how some of the conversations are going with your clients in terms of, you know, what's your viewpoint?

How are they feeling?

Are they now starting to pick those longer terms?

Are they stung a little bit by those longer terms jumping up a bit sooner as well?

So I don't know, Stuart, do you want to talk to us about sort of how your conversations have been around, you know, fixing mortgages and interest rates and expectations as to how that might play out in the first few months next year?

Yeah, it's so true.

And I mean, especially I suppose now we've had a switch in governor and Anna Bredman's clearly got a different way of doing things and viewpoint.