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OCR increase - a sign of things to come?

Interest is without a doubt the biggest expense for most, if not all, property investors. A movement, however slight, in the OCR can have real consequences for property investors. It is perhaps unsurprising then that the latest increase in OCR announced by the Reserve Bank once again propels interest rates into the national psyche. Still, yesterday's Monetary Policy State...
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{{name}} - APIA Auckland Property Investors

Ask An Expert: 2 Properties On 1 Mortgage

Jesse asks the APIA Expert Panel: Can I buy two properties on the one mortgage? Lena Li, ANZ Mobile Mortage Manager, Answers Generally speaking, we lend base on an acceptable lending ratio and the type of security we hold. The lower your existing lending ratio the more chance you can top up on an existing security to buy the second property. Furthermore, we do not necessarily have...
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{{name}} - APIA Auckland Property Investors

Ask An Expert: P&I or Interest Only?

Paula asks the APIA Expert Panel: Why do some people choose loan repayments at principal and interest or interest only? How do they decide which is better for that property? Lena Li, ANZ Mobile Mortgage Manager, Answers Paula, when you take out a Home Loan, you have two repayment choices: principal and interest (table) or interest only. Principal and Interest (Table) Table rep...
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{{name}} - APIA Auckland Property Investors

Deal Or No Deal?

A week ago we posted a Deal Or No Deal pop quiz on our Facebook page. Auckland CBD freehold apartment selling at $300,000 with an assessed market rent of $400 p.w. Body corp fee of $2,800 p.a. and rates of 850 p.a. Assume 2 weeks vacancy which is when you will be carrying out major repairs and maintenance (budgeted at $800 p.a.). Fully financed at today's ANZ New Zealand float...
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