CAPITAL AND COAST BLOG

  1. Your New Home: Buy or Build?

    New Build or an existing home?

  2. ​RBNZ maybe winning the battle but will it win the war?

    The RBNZ pretty much declared war on the property investor back in May 2015 with LVR rules on Auckland investors, 30 per cent deposit please. The rest of the country scoffed a little and thought those Aucklanders have had it too good for too long, higher pay, free equity, great transport and fant...

  3. President Trump where to from here?

    Well, if 2016 started out slow it’s definitely proved more exciting over the past few months. As I write this article in a café on Brandon Street, Wellington I look out on a very wet day with all of Featherston Street blocked off and Police standing on all corners. It’s November 15, one day after...

  4. Our new baby – a small business.

    Our business is exceptionally young and still within the critical 2 year and 5 year phase where 75% and 50% respectively are still trading after this period. I don’t kid myself we have a long way to go.

  5. ​Déjà Vu All Over Again….

    One thing I have learnt is that market prices do go down – even housing and it’s never when any one expects it. People say house prices didn’t reduce that much in NZ during the GFC, maybe 10% but we had interest rates go from 10% to 4%, we only have one more time to pull that lever to 0% and ...

  6. Is Wellington the new Auckland?

    Parochial Wellingtonian’s may bristle when reading this headline. Having lived in Auckland for 18 months I can testify first hand they are good people but for many of them, life seems to stop after the Bombay’s. Many consider Wellington & its region to be a dead, my opinion is that it is th...

  7. A Financial Wrecking Ball – “Leaky Homes”

    It appears there is an industry built out of this issue where everyone seems to do well out of the process bar a few construction companies and most of all the home owner.

  8. No Deposit Home Loans in NZ… Fact or Fiction?

    This is actually a fact, you can borrow up to $250,000 in New Zealand from a large credit union without the need for a deposit to buy your first home and at reasonable interest rates. Granted it’s not going to be a palace in Wellington region at that level but for many this will be an affordable ...

  9. As Popular As A Pork Chop In A Synagogue

    If you have borrowed money and have fix interest rates you will be well aware of the break costs to get out of these agreements currently. Although these can be extremely painful to pay they are a fact of borrowing if you have locked in higher than where the current market is for interest rates. ...

  10. Clean Bowled Or In The Terraces for Six? – Getting Your Interest Rates Right

    Have you got your interest rate strategy right over the past 1, 5 or 10 years or do you feel like you have been bowled out by picking it wrong? Everyone seems to have their way of doing it, some base it on the morning star signs others on complex excel spreadsheets which they have tracked for years.