fbpx

Why Leveraged Property Investment Can Mean Higher Returns

Date Published: 26 March 2024

If you’re not in finance, you probably most often hear and see the word “leverage” discussed negatively. News articles about failed investors and companies will no doubt (accurately) list overleverage…

Read More

The one bank trap and the several bank nightmare

The One Bank Trap and The Several Bank Nightmare

Date Published: 5 January 2024

A common phrase in mortgage world is the “one bank trap”. It’s when you have all your lending with one bank which gives the policy makers at the bank all…

Read More

How Do I Calculate Yield?

How Do I Calculate Yield on an Investment Property?

Date Published: 2 November 2023

When buying your own home, you need to be good at negotiating with your partner over issues such as whether an outdoor pizza oven is a must-have or a nice-to-have.…

Read More

Should You Refinance to Another Bank to Get a Better Interest Rate?

Date Published: 27 April 2023

You’ve got a fixed-term account maturing soon and the bank or your broker has sent you some interest rates. Maybe your current bank is offering 0.1% higher than another bank…

Read More

The Bank Said No to Your Investment Property (Credit Hurdle)

Date Published: 3 April 2023

It happens to almost everyone eventually. You walk into the bank and ask for money, either to buy a car, house, or business. But the bank declines you. Today we’ll…

Read More

The Bank Said No Because of My Income

Date Published: 3 April 2023

It happens to almost everyone eventually. You walk into the bank, and ask for an amount of money, either to buy a car, house, or business and the bank declines you. Today…

Read More

The Bank Declined My Investment Property Mortgage Application – Equity Hurdle

Date Published: 1 April 2023

It happens to almost everyone eventually. You walk into the bank, ask for an amount of money, either to buy a car, house or business and the bank declines you. We look…

Read More

The Rule of 72

The Rule of 72: A Simple yet Powerful Financial Tool to Estimate Investment Growth

Date Published: 16 March 2023

The Rule of 72 is a widely-used financial concept that allows investors to estimate how long it will take for an investment to double in value, given a fixed annual…

Read More

NZ Mortgage Interest Rates Prediction 2023

Date Published: 16 November 2022

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…

Read More

What to Look for When Buying an Investment Property

Date Published: 14 October 2022

Buying an investment property is a different bag of hedgehogs than buying a property for yourself. When you’re buying your own home it’s (arguably) totally reasonable to debate for hours…

Read More

Can I buy an investment property?

Can I Buy an Investment Property?

Date Published: 1 August 2022

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…

Read More

Cost Fluctuations in Build Contracts – Guest Blog

Date Published: 10 June 2022

Just a couple of years ago, the use of the words “cost fluctuation” in the residential building industry was about as common as the use of the word “liquefaction” prior…

Read More

3 things to do now to prepare for a recession

Prepare, Don’t Panic – 3 things to do right now to prepare for a recession (and 1 thing you shouldn’t)

Date Published: 9 June 2022

We are entering an unprecedented time.  The Reserve Bank has announced an Official Cash Rate increase from the historic low of 0.25% up to 2%.  Some economists expect a recession…

Read More

How Do Banks Calculate if I Can Afford an Investment Property?

Date Published: 29 May 2022

This article is available in Chinese here. If you’re looking into whether you can afford an investment property, you’re not alone. Owning rental properties is a common kiwi dream. Many…

Read More

银行如何计算我是否负担得起投资物业?

Date Published: 28 May 2022

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。

Read More

All About Conveyancing

Date Published: 20 March 2022

When you’re buying a house, there are a lot of things to think about. One of the steps that is often a mystery for homebuyers is what happens with their…

Read More

Mortgage Calculator: How to Find the Best One

Date Published: 28 February 2022

Typically, when you use a mortgage calculator, you want to know what your mortgage payments will be (obviously). A couple borrowing, say, $800,000 for an investment property might want to know…

Read More

The CCCFA and How It Affects Property Buyers

Date Published: 3 February 2022

The Credit Contracts and Consumer Finance Act (CCCFA) came into force on the 1st December 2021 and was largely meant to protect consumers from high-interest loan sharks. Unintended effects of…

Read More