Don’t get stung by a stocking stuffer
You don’t have to spend Christmas eating gruel like Ebenezer Scrooge, to live within your means. Here’s a few tips to help you take control this Christmas.
NEWS & INSIGHTS
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关于你的利息
一定程度上“一劳永逸”的心态随着贷款而下滑。贷款从你账户里吞噬着你的钱。与此同时，你继续进行其他事情。但问题是 - 如果您只有偿还利息（IO）的贷款，何时转向本金和利息（P＆I）偿还？
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新西兰每周租金创历史新高
供应短缺导致价格上涨。这是供求关系的铁归律。想想当地的黄金，钻石或优质服务。根据最新的Trade Me租赁价格指数，目前可出租物业的缺口就是新西兰的租金。此外，在夏季繁忙高峰期，渴望获得挖掘的投资者推动了需求。在过去一年中，全国每周平均租金上涨了6.6％，达到创纪录的$480澳币。
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Best rates since WWII!
Back when rubber shortages meant dairy farmers had to prove they had at least 12 cows to qualify for gumboots and rationing saw New Zealanders shrinking their meals, mortgage rates were low. Pretty much, where they are today - seventy years on.
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The fog has cleared on LVR restrictions
The new loan to value ratio (LVR) restrictions are the talk of the town this week with the Reserve Bank of New Zealand (RBNZ) making the call to change restrictions in January next year.
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Migration falling, house prices to follow?
The drop is part of a gradual drift from record immigration. So, how does it impact home loans, real estate and all that jazz?
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Want a loan for a boat or something on wheels? I can help with that.
If buying a luxury yacht, a caravan or a family car is on your to do list, be smart about how you finance it and you could save yourself some serious coin.
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Listings picking up
The New Zealand average property asking price just hit a record $690,733! Realestate.co.nz reports that, after an 18-month nap, there were 10,372 new listings in September - an 11.7% increase on September 2017.
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Inflation surges! So, what about rates?
Surprise! Sorry. Not the fun sort. Rising fuel and house prices have helped inflation spike to its highest level in a year. Statistics New Zealand say it rose 0.9% in the June quarter, making the annual figure 1.9%. You know something is up when fourteen economists surveyed by Bloomberg are caugh...
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Record high for NZ weekly rents
Any shortage of supply drives prices up. It’s the iron laws of supply and demand. Think gold, diamonds or good service at your local. According to the latest Trade Me Rental Price Index, the current shortfall in rentable properties is doing just that to New Zealand’s rents.
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This is in your interest
A certain “set and forget” mentality slips in with mortgages. Money leaves your account to nibble on your mortgage. Meanwhile, you get on with other things.
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The KiwiSaver HomeStart grant for first home buyers
If you’re talking to a first home buyer who may be in doubt on how they can finance their first home, I can bring them up to speed about the KiwiSaver HomeStart grant that could be the answer they are looking for.
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A window in to house prices
According to QV’s latest House Price Index, between June and August this year, NZ’s residential property values fell 1.6%. Auckland was down 0.4%, Christchurch 0.2% and Queenstown had a heavy fall with a thumping 1.0% drop. That said, on a per annum basis, prices are still up 4.8% but our annual ...