Developing your property portfolio
There’s no place like home. More so when you own! As a member of the mortgage club, you might be wondering what your next steps should be.
NEWS & INSIGHTS
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The current/future state of NZ house prices
Whether it’s tea leaves in the bottom of your cup, the behaviour of the birds, or the slightly hesitant tap of a gavel; the property market is trying to tell us something. The folks at Quotable Value (QV), who trust plain old numbers, are saying Auckland’s prices are declining, while NZ’s in gen...
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Jacinda scraps capital gains tax. Now what?
Has Jacinda changed her mind? After spending a decade or so campaigning for capital gains tax (CGT) to “make our tax system fairer”, it’s no longer on the PM’s to-do list. The Tax Working Group suggested CGT in February. Anyone who made a profit selling assets like residential rental homes, inves...
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Are you self-employed and looking for a loan?
Becoming your own boss is definitely taking off and appeals to many because of its flexibility and the chance to make a living doing what you really love. While there are many perks to working for yourself, there are also some downsides, such as the potential difficulty in getting a loan when you...
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Buying a home? 5 helpful tips
News of the current property market reads with the air of something akin to Robert Lewis Stevenson’s famous novel “The Strange Case of Dr Jekyll and Mr Hyde”. Akin, because there are two different scenarios - a good, and a bad - being reported within the same market.
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Finding finance for self-employed clients
Becoming your own boss is definitely a rising trend and while there are many perks to working for yourself, there are also some downsides, such as the potential difficulty in getting a loan when you really need one.
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Rate decisions: who makes them, how and why?
The Reserve Bank of NZ (RBNZ) is our central bank. It makes the call on whether interest rates move up or down. These movements greatly influence our economy and control inflation, which is very important. Let’s take a look.
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IAG pulls out of Wellington home insurance
Living in Wellington means you will most likely be exposed to earthquakes, storms, flooding, landslides or even a tsunami at one stage or another. IAG, NZ’s largest general insurer (which includes brands like AMI, State, NZI, Lumley and Lantern Insurance), has said that’s why they won’t be insuri...
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Could payWave ruin your home ownership dreams?
Times have changed when it comes to applying for a loan. It’s tough to secure a mortgage and there are a lot of changes going on with the legal bodies that keep a close watch over the finance and banking industry including the revision of the Financial Advisers Act in New Zealand and the Royal Co...
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NZ records highest average resale profit in 20 years
In the last three months of 2018, our property market was working out hard, and NZ homeowners were looking good!
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To Capital Gains Tax or not to Capital Gains Tax? That is the question
A tax working group has recommended the government bring in capital gains tax (CGT) from 2021… This means profit from selling an investment property— not the family home— will be taxed.
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5 things to think about this End Of Financial Year
End Of Financial Year (EOFY) is just around the corner, so start reassessing where you are financially and where you want to be. Here’s five things you can do.
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Adviser vs Bank. What’s the difference?
When it comes to deciding if you’ll go direct to your bank or use an adviser, it’s important to know what each can offer.