Black & White Accounting Mortgages Insurance

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Black & White Accounting Mortgages Insurance Accounting | Mortgages | Insurance - ONE STOP SHOP! Karrie has a great passion for the job, she enjoys helping new clients and taking care of existing ones.

At Black & White our goal is to provide you with complete certainty in all aspects of your accounting needs, complete certainty of our fees and complete certainty of delivery timeframes. The focus is on you – the client – and working in partnership with you to ensure the success of your business. The key to this relationship is gaining an understanding of your individual needs and tailoring our services to best meet these needs. We deliver the full spectrum of accounting services and are committed to providing these to our clients with enthusiasm, integrity and excellence. Since opening in 2010 the Black & White directors identified our clients increasingly asking for advice on mortgages and insurance. As such early in 2013 the Black & White Mortgages | Insurance division was launched in response to this client demand. This is a natural addition to the accounting services already provided and an opportunity to offer our clients a one-stop-shop approach to all their financial service needs. Black & White Mortgages | Insurance is a FREE service led by Karrie Stephens providing a full range of lending and personal insurance products. She can help you with all your mortgage requirements, insurance needs and debt consolidation. Black & White Mortgages | Insurance Publicly Available Information and Privacy Policy is available on request. Please contact Karrie directly at [email protected]. External Links

As a convenience to you this website may contain links to other sites independently maintained by others. Because we do not control these other sites, we cannot be responsible for the content or accuracy of the information or other material on these linked sites. The fact that we have provided a link to another website does not mean that we make a recommendation or give any endorsement or approval of any products or services contained in those other sites

Liability

Black & White Accounting Limited nor its representatives make any representation or warranty as to the accuracy, reliability or completeness of material in this site, or in sites linked to this site. Except to the extent that liability under any statute cannot be excluded, Black & White Accounting Limited nor its representatives do not accept any liability (in contract, tort, negligence or otherwise) for any error or omissions in this material or for any loss or for any loss or damage (direct, indirect, consequential or otherwise) suffered by any person.

18/10/2026

Please note our office will be closed a couple of extra days this coming long weekend.
Along with Friday 23 for HB Anniversary & Monday 26 for Labour Day, which are statutory days, our office will also be closed Thursday 22 & Tuesday 27 while our team is attending a tax conference.
You'll need to ring or pop in before end of day Wednesday 21 October, or we will see you next Wednesday 28th 😃

Starting a business in New Zealand comes with a few financial surprises, and the Year Two tax crunch is a major one. In ...
18/10/2026

Starting a business in New Zealand comes with a few financial surprises, and the Year Two tax crunch is a major one. In your first year of trading, you generally don't pay tax as you go. This creates a situation where you might owe a lump sum for Year 1 at the exact same time you start paying provisional tax instalments for Year 2. We have put together a practical guide to help local Hawke's Bay businesses prepare for these payments and keep cash flow steady. Discover how to calculate what you owe and avoid late penalties by reading our full blog: https://www.bwaccounting.co.nz/how-to-calculate-and-pay-provisional-tax-in-new-zealand 📊💰

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Managing payroll and PAYE deductions is a massive responsibility for growing businesses in Hawke's Bay. The rules are ti...
02/10/2026

Managing payroll and PAYE deductions is a massive responsibility for growing businesses in Hawke's Bay. The rules are tightly monitored by Inland Revenue, and simple mistakes can lead to heavy financial penalties for company directors. Our latest guide explains exactly how PAYE works so you can keep your team paid correctly and stay compliant.
Read the full article to master your employer obligations here: https://www.bwaccounting.co.nz/paye-explained-a-guide-for-hawke-s-bay-employers 📊🏢📝

We are so happy to work closely with Tina.  Not only with mutual clients, but Platinum Bookkeeping is now in the same bu...
21/09/2026

We are so happy to work closely with Tina. Not only with mutual clients, but Platinum Bookkeeping is now in the same building at 5 Carlyle Street 👍
If you are wanting a hand with your payroll, creditors, invoicing, anything that could help you and your business, let us know and we can introduce you - or contact Tina directly ✅

Meet the face behind Platinum Bookkeeping!

We are so excited to introduce our Director, Tina King!

Tina has been successfully helping business owners navigate their finances, clear the clutter, and grow their businesses for 15 years. She brings a wealth of knowledge, passion, and a personal touch to everything she does. Whether you are looking to get your weekends back or need a trusted partner to scale your business.
Tina and the Platinum team are here to help you shine. ✨
We will be worth more to you than gold!

Drop a comment below to say hello, or send us a DM to see how we can support your business goals today! 👇

Finding the right accountant is a big decision that impacts your long-term success. Too many business owners treat accou...
19/07/2026

Finding the right accountant is a big decision that impacts your long-term success. Too many business owners treat accounting as a basic box-ticking exercise for the IRD. Your advisor should actually help you grow and navigate these challenging economic times. We've put together a 7-point checklist so you can find the perfect fit for your Hawke's Bay business. Read the full guide here: https://www.bwaccounting.co.nz/how-to-choose-the-right-accountant-in-hawke-s-bay-a-7-point-checklist

26/06/2026

We know tax deadline reminders can be stressful, especially when they pop up everywhere at once. Here's something they don't always make clear...one of the practical benefits of working with an ATAINZ member tax agent is the Extension of Time (EOT) arrangement, which can push your filing deadline from 7 July out to 31 March of the following year.

So take a breath! If you are a client of an ATAINZ member and have been filing your returns on time in the past, you are very likely to qualify for this extension of time. If unsure whether you have an EOT, just reach out to your ATAINZ member to confirm your date.

This is a great summary of an interview with a crypto specialist on a NZ podcast.  It's a very tricky area of accounting...
01/06/2026

This is a great summary of an interview with a crypto specialist on a NZ podcast. It's a very tricky area of accounting and as you will see, IRD are enforcing the taxes associated, and even penalising those who are avoiding returning the income.

New powers and tougher penalties mean flying under the radar is getting harder.

A reminder as IRD start finalising taxpayers earnings for the year to 31 March 2026, please be aware of scammers trying ...
17/05/2026

A reminder as IRD start finalising taxpayers earnings for the year to 31 March 2026, please be aware of scammers trying to take advantage. We are also aware of Tax Refund places advertising - IRD will automatically do this for you (if you are due a refund) so keep your well earned dollars in your pocket and don't employ these entities.
And if you are a client of ours we will do all of this for you as part of our service to you.

15 May 2026 Inland Revenue (IR) will soon start to send out tax assessments to salary and wage earners in New Zealand. And while people are looking out for that, they also need to watch out for scammers trying to rip people off. Tax assessments Individual Income Tax Assessments will go out in severa...

A great night at the basketball - with the hawks
23/04/2026

A great night at the basketball - with the hawks

20/04/2026

A number of our staff are on planned annual leave, and a few have taken the opportunity to take Friday 24th April off to have an extra long weekend.
We have made the choice to not open our office on Friday. We will be back open Tuesday 28th April, after Anzac Day observed.

Address

5 Carlyle Street
Napier
4110

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 4pm

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