rb99:
Don't know how you find someone who's competent. I can ask questions, but being in Whakatane, we've had two guys / companies turn up, one of which who actually gave a quote (fully ducted for the top level plus ventilation, lets just say it begins with a 2).
They say when it comes to fitting things in roofs we'd need two heatpumps, and associated ducting etc etc. They say one unit for a largish living room plus study and the other for another living room / kitchen plus two bedrooms. Perhaps would be better to make one unit bigger to do all living areas and the other smaller for the two bedroom (unless that makes the big unit too big...).
The silence of ducting has a certain appeal, but I seem to sleep lightly and a head unit in a bedroom might be good for white noise cause rain on a tin roof at night is not good for me. But still silent heating...
I can, and do, go round in circles with stuff like this for months...
Whakatane is a bit trickier. For what it's worth ESP Technologies did the HVAC at the hospital when it was built. It depends who you get there but they used to have some good guys.
Ironically Aquaheat (the biggest HVAC contractor in the country) is owned by Horizon Energy but I don't think they really have a presence in Whakatane.