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…
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
What does a recession mean for home owners? The key problem in a recession is the lack of business confidence. Business owners lose clients and either downscale or freeze hiring. …
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…
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。
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…
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…
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…
What is the Housing Supply Bill About?
Date Published: 1 November 2021
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…
Why are There Still Lots of Property Investors in the New Zealand Market?
Date Published: 28 October 2021
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…
Interest-Only Mortgages
Date Published: 24 August 2021
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…
The Income Hurdle – Why Most Kiwi Investors Only Own a Single Investment Property
Date Published: 28 July 2021
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…
Property Experts You Need on Your Team
Date Published: 27 July 2021
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…
Debt to Income Ratios: What Are They and How Are They Measured?
Date Published: 22 June 2021
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…
Changes to the Property Investment Rules
Date Published: 7 April 2021
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…
物业投资规则的变更
Date Published: 7 April 2021
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。
The Revolving Credit Tax Trap for Investors – Guest Blog
Date Published: 22 February 2021
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…
How the 2020/2021 LVR Changes Affects You
Date Published: 16 February 2021
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…