What to Look for in an Investment Property

Mar 11, 2022 11:47:59 AM

Investing in property is a smart financial decision that can help you grow wealth and generate a passive income. But just like all investments, property investment can be risky too, which is why it’s so important to do detailed research before diving in. Whether you're just starting out investing in property or adding to an already significant property portfolio, here are some things to look for when buying an investment property.


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Topics: Property Investment, Financial Health

The Benefits of Property Investment

Feb 17, 2022 10:44:49 AM

Property investment in New Zealand continues to be a hot topic, despite tighter loan to value restrictions aimed at investors, and stricter lending conditions that have been put in place to ease demand and slow house price rises. Savvy investors with a growing property portfolio stand to benefit from excellent capital gains and a sound investment for future wealth. However, there are some risks and it’s important to balance these with the benefits of property investment. Here’s a brief look at some of the benefits of property investment, as well as the risks.


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Topics: Mortgage Advisers, Property Investment, Home Loans

New Build Finance: Understanding Construction Loans

Jan 18, 2022 5:15:35 PM

There are many reasons why home buyers choose to build new instead of buying an existing property. For some, being able to tailor-make a home that exactly fits requirements, built to specific design and layout preferences is important. While for others, a low maintenance home with the latest innovations in home ventilation, heating and eco-friendly features is a must. Whatever your reasons for building new, it’s important you’re clear on how construction finance will impact your lending ability.


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Topics: Property Investment, First Home Buyer, Construction Loan

3 Tips for Property Investors Navigating High LVRs

May 19, 2021 3:43:37 PM

In an effort to put the brakes on a runaway property market, from 1 May 2021, the Reserve Bank of New Zealand has implemented Loan to Value Ratio (LVR) restrictions that impact the way property investors access mortgage finance. Going forward, a maximum of just 5 per cent of banks’ lending can be done at above 60 per cent LVR. For property investors, that means having at least a 30 – 40 per cent deposit. Here are 3 tips that could help property investors navigate high LVRs.


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Topics: Selling, Property Investment, Interest Rates

Property: Still The Best Investment

Sep 24, 2020 11:12:10 AM

If you’re looking to invest your money right now, you can’t beat the returns on property. With the OCR expected to remain at 0.25 per cent, at least for the foreseeable future, historically low interest rates, and no restrictions on the amount of money banks can lend to high-LVR borrowers, many economists believe real estate is the *best investment option in the current climate. Follow these handy tips to secure your financial future by investing in property.


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Topics: Selling, Property Investment

Rental Property Renovations: 3 Questions to Ask Yourself First

Aug 31, 2020 3:13:14 PM

Renovating a rental property can be a costly exercise but making improvements to the property can yield a healthy return. To ensure you’re maximizing your investment, it’s important not to overcapitalize, to stick to your budget, and to use durable products and materials. If you are considering renovating your rental property, ask yourself these 3 questions first.


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Topics: Property Investment, Home Renovations, NZ Mortgage Adviser

Rental Property Renovation: 3 Questions to Ask Yourself First

Feb 20, 2019 10:59:06 AM

Renovating a rental property can be a costly exercise but making improvements to the property can yield a healthy return. To ensure you’re maximizing your investment, it’s important not to overcapitalize, to stick to your budget, and to use durable products and materials. If you are considering renovating your rental property, ask yourself these 3 questions first.


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Topics: Property Management, Property Investment, Investment Property, Home Renovations, NZ Mortgage Adviser

3 Property Investment Mistakes to Avoid

Feb 19, 2019 4:30:00 PM

It’s no surprise that more and more astute investors are turning to property as a way to grow capital. Like all investments though, buying an investment property takes careful research so you know what you’re getting into and what the pitfalls are to avoid. To help you stay on top of the property investment game, here are 3 common mistakes to avoid.


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Topics: Property Management, Buying, Property Investment, Investment Property, NZ Mortgage Adviser, Home Buying Traps

Investing in Property in 3 Simple Steps

Feb 19, 2019 11:30:00 AM

Owning an investment property has long been a part of the Kiwi dream. For many first-home buyers, buying a smaller rental property in a cheaper area can be just what they need to get a foot onto the property ladder. For savvy investors, it’s an opportunity to generate wealth. But before you jump in head first into property investment, take a look at these 3 simple steps to get you started.


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Topics: Property Management, Buying, Property Investment, Investment Property, NZ Mortgage Adviser, Home Buying Traps

House prices are up and buyers are hesitant

Oct 14, 2016 10:46:20 AM


New Zealand's property market appears to be in a holding pattern as investors and home-buyers wait to see what will happen next following changes to the LVR. The property market is changing compared to how it was a year ago. And Property Institute of New Zealand chief executive Ashley Church says Reserve Bank LVR restrictions are a devastating failure for first home buyers. All this in our October property article.


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Topics: Property Investment, First Home, Property Article, LVR, Investors, Home Buyers