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Recently Labour and National shocked New Zealand by not only agreeing on something but also working together on a new housing bill: the Resource Management (Enabling Housing Supply and Other…

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It’s the time of the year when the Mortgage Lab buffs up our Crystal Ball, gazes into the infinitely complicated world of economics, and comes up with sufficiently generic interest…

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If you’re interested in property investment in New Zealand, you’re likely no stranger to the increased lending restrictions put in place this year. These restrictions were intended to discourage small…

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Interest Only Mortgages

This article is current as at 1 September 2021. Interest-only mortgages can be the right strategy in certain circumstances. Unfortunately freeing up money in order to go on holiday isn’t…

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For many of us, the game Monopoly informs our earliest understanding of how investment property works. And so we are given to believe that it’s fairly straightforward to grow from…

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Who is your property team?

Surrounding yourself with property experts is not just a good idea; it’s absolutely necessary. And while it sounds expensive, you don’t need to be rolling in cash. In fact, in…

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On 16 June 2021, the Government announced that the Reserve Bank has been given the authority to use debt-to-income lending restrictions as another tool in the toolbox to help settle…

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How Do I Calculate Yield?

When you’re looking for an investment property, you are often either looking for capital growth or yield. Yield is the income you receive in rent, ideally giving you a positive…

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Can I buy an investment property?

99%的新西兰人的梦想和目标是拥有房产。一旦实现了,人们通常就开始转向购买其第一笔投资物业。

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Can I buy an investment property?

Our childhoods have betrayed us. Property investment is not as easy as rolling a four to land on Mayfair, paying £400 then sitting back to wait for someone to land…

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On 23 March the government announced policy changes to the rules governing the property market. The intention behind these new rules is to reduce access to finance for property investors…

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在3月23日政府宣布了对房地产市场规则的政策更改。这些新规定的目的是减少房地产投资者的融资渠道,以便为首次购房者提供更多机会。

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Revolving Credit Tax Trap for Investors

Revolving Credit can be an excellent tool for both homeowners and property investors to reduce interest costs and speed up the repayment of their mortgages while keeping the availability of…

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Updated 16th February 2021 It might feel like decades ago, but on 30th April 2020, the Reserve Bank announced the removal of LVR restrictions on banks in New Zealand.  In…

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Apartments are a very tempting purchase, especially for first-home buyers. They tend to cost less and therefore be much more within reach. And you can pretend you’re living in Manhattan,…

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This article is available in Chinese here. Owning rental properties is a common kiwi dream. Many of us envision going into retirement with a couple or more of freehold properties…

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拥有出租物业是新西兰人的普遍梦想。我们中的许多人都设想退休后会拥有几个或更多的永久业权财产,每周都会带来大量的钱来补充我们的养老金。

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Below is a list of common mortgage terms which will help buyers and investors understand the finance journey.  This list is taken from “The Successful First Home Buyer” book. Asking…

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