fbpx

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…

Read More

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,…

Read More

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…

Read More

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

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…

Read More

3 Things Investment Property Buyers Can Do To Get Ready

So you’ve decided to purchase an investment property, here are first 3 things you can do to get the ball rolling.

Read More

3 Things Investment Property Buyers Can Do To Get Ready

在买人生中的第一套房子过程中可能会令人困惑,准备好买房的关键是要有条理。以下三件事是您可以提前做,以准备申请房屋贷款。

Read More

Revolving Credit Tax Trap for Investors

大多数业主都熟悉定期贷款。超过80%的新西兰房屋贷款是有固定期限的, 大多数的期限是1到2年。但很多人不清楚循环信贷和浮动贷款账户之间的区别。

Read More

When to get your Accounts done

If you happen to be a salary earner, proving your income is relatively easy. As long as your employer issues decent quality payslips, you can provide the 3 most recent slips…

Read More

3 things to do now to prepare for a recession

We are entering an unprecedented time.  The Reserve Bank has announced an Official Cash Rate drop of 0.75% leaving the cash rate at a historic low of 0.25%.  Most economists…

Read More

OCR Announcement - 16th March 2020

The Reserve Bank today announced that the OCR would be reduced by 0.75% to a new level of 0.25%. International markets around the world have been severely affected by the…

Read More

2022 Predictions Interest Rates / House Prices

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

The Rule of 72

Whenever you’re dealing with complex numbers, it helps to have a few tricks to make quick calculations easy.  So here’s an easy way to calculate how long an investment will…

Read More

2019 Interest Rates Prediction

It’s the time of the year when we buff up our Crystal Ball, gaze into the complicated world of economics and finance and come up with sufficiently generic forecasts/predictions to…

Read More

financial stability report, RBNZ, LVR, Economy

The Reserve Bank of New Zealand has released it’s 6 monthly Financial Stability Report. Previous Financial Stability Report Almost exactly one year ago, on the 29th November 2017, the RBNZ announced…

Read More

The one bank trap and the several bank nightmare

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

The Bank Said No Credit Hurdle

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. …

Read More

The Bank Said No Income Hurdle

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. Today we’ll…

Read More