The NZ Property Market and Mortgage Update Podcast
Activity Overview
Episode publication activity over the past year
Episodes
What to consider when buying a commercial property?
31 Aug 2021
Contributed by Lukas
Last week, we shared some pros and cons of buying a commercial property because many people are now considering investing in commercial property. This...
Is it a good time to buy commercial property?
25 Aug 2021
Contributed by Lukas
Recently we have been asked by some clients that whether investing in commercial property is a good idea. The new policies announced by the government...
Three tips to help you improve tax efficiency under the new interest deduction rules
12 Aug 2021
Contributed by Lukas
Since the government introduced the interest deductibility rule early this year, we noticed some aspects of home loans that people need to be aware. I...
Are higher interest rates coming?
30 Jul 2021
Contributed by Lukas
Unexpected announcements of interest rates lifting by over 30 base points from all mainstream banks surprised many of us last week. Whereas interest r...
Should be you concerned about DTI (debt-to-income ratio)?
09 Jul 2021
Contributed by Lukas
The debt-to-income ratios are likely to be the most effective measurement that can be deployed by the RBNZ to support the stability of banking system....
Should I invest in new builds or existing properties? 13 pros and cons
25 Jun 2021
Contributed by Lukas
The government’s recent housing reforms (March 2021) regarding investment property tax rules are causing kiwi investors to think, “should I invest...
ASB Back My Build home loan: Everything you need to know
03 Jun 2021
Contributed by Lukas
ASB has launched a new product called "Back My Build" with a cut-price 1.79% variable home loan rate for new builds, as the lender attempts to encoura...
Is it still a good time to invest in property?
20 May 2021
Contributed by Lukas
We list the top seven reasons why it is still worth investing in property in New Zealand under the current economic conditions.In March 2021, the New ...
ANZ tightens servicing for rental property income, will this affect you?
12 May 2021
Contributed by Lukas
On 10 May, ANZ, one of New Zealand's biggest banks, has announced they would decrease the percentage of rental income they take into consideration whe...
NZ mortgage interest rates are dropping again (updated in May 2021), not as predicted by economists
07 May 2021
Contributed by Lukas
Some of the major New Zealand banks have dropped interest rates on short-term loans. At the time of writing (03 May 2021), the lowest one-year rate is...
How may the removal of interest deductions hurt your borrowing power?
30 Apr 2021
Contributed by Lukas
In this episode, we’ll explain the why and share our view on how banks may change their lending polices to cope with the newly released housing rule...
Restructure your loan before it’s too late | New housing rules NZ 2021: No Interest Deductibility
16 Apr 2021
Contributed by Lukas
New Zealand's government tackles at property speculators with a package of new housing rules to relieve runaway property prices and reduce the risk of...
NZ New housing policy 2021: Can investors still afford to hold the properties they have?
09 Apr 2021
Contributed by Lukas
The removal of interest deductions on residential property can have a severe effect on investors’ cash flow, particularly those who have borrowed to...
If you are self-employed: Get your FY2021 financial statements ready asap
26 Mar 2021
Contributed by Lukas
If you are self-employed, getting a home loan can be a bit complicated. Compared with PAYE, self-employed people need to provide more documentation to...
Top 3 tips help you buy your dream house easy
12 Mar 2021
Contributed by Lukas
First home buyers appear to be getting squeezed from the market as investors snap up a large share of properties. It came as New Zealand’s house pri...
Why is an interest-only loan better for an investment property?
05 Mar 2021
Contributed by Lukas
An interest-only home loan is designed for the borrower to pay the interest charged on the loan for a set period, not the amount borrowed. The borrowe...
Your loan interest may not offset rental income if the purpose is incorrect
25 Feb 2021
Contributed by Lukas
“I want to use my rental property as a bank security to borrow, so that the new loan interest can be tax-deductible.” That’s what we’ve been h...
How to get unsecured small business loans in NZ?
18 Feb 2021
Contributed by Lukas
Many NZ small businesses may need a business loan at some point. There are many common purposes for a business loan – you may need to upgrade your e...
Is it better to buy an investment property before first home?
14 Feb 2021
Contributed by Lukas
Purchasing a home to live in feels like a rite of passage for many people. If you’re in the market to buy your first home, have you ever wondered is...
LVR restrictions 2021: loan-to-value ratio for investment property reduced to 60%
12 Feb 2021
Contributed by Lukas
At the beginning of 2021, some New Zealand banks have tightened further their loan-to-value ratio (LVR) for an investment property to 60 per cent. Thi...
NZ Interest rates forecast for 2021 – Will interest rates stay low or back up?
04 Dec 2020
Contributed by Lukas
Lower and lower, that is the continuing track for New Zealand mortgage rates this year. The current one-year fixed term rate of 2.25% hits the lowest....