APIA Blog

RSS Feed

{{name}} - APIA Auckland Property Investors

Kelvin Davidson: It’s been an unprecedented year – the swings and roundabouts of 2020

Thinking back to the start of 2020, nobody could have anticipated what was about to playout for the economy or the property market. But after a lot of uncertainty and conjecture about what the future might hold, we’re almost at the end of the year and it’s remarkable to see that house sales and prices are on a strong upswing. Indeed, the number of...
read more
{{name}} - APIA Auckland Property Investors

OCR predictions - should they be taken seriously?

This week's question comes from Pat (paraphrased): The Internet is riddled with OCR predictions. Every commentator sounds just as learned and trustworthy as the next. How seriously should property investors take these predictions? To answer this question, we've turned to Ryan Smuts from Kris Pedersen Mortgages & Insurance. Ryan, take it away! 'While ...
read more
{{name}} - APIA Auckland Property Investors

Ryan Smuts: What investors need to know about the recent OCR cut

The OCR has been cut recently by 0.5% - a lot higher than many economists were initially expecting. What might this mean for the borrower? Over the last fortnight, we at the Kris Pedersen Mortgages team have seen some key effects come into play: across the market floating rates have dropped and in many cases, as much as 0.5%. Lenders like ASB for example took their floating rate down f...
read more
{{name}} - APIA Auckland Property Investors

Get ready for interest rate hikes

With interest rates having remained suppressed for as long as they have, chances are many investors are not entirely prepared for the coming rate rises. And rise they will. There is nothing sinister or extraordinary happening. The same economic entropy that has been pushing the rates down for so long is also responsible for nudging them upwards in recent months. And it is ha...
read more
{{name}} - APIA Auckland Property Investors

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...
read more
{{name}} - APIA Auckland Property Investors

Is Auckland Homeownership The Impossible Dream?

A month into the new banking era of mortgage lending caps, I am already hearing anecdotal tales of quieter open homes, vacated auction rooms, and buyer frustrations. Whereas previously the housing market rivalled that of supermarket frenzies witnessed every 24th of December, now there is an eerily silent scene awaiting vendors and agents. I am confident that in the coming weeks there will ...
read more
{{name}} - APIA Auckland Property Investors

No Silver Bullet: LVR Restrictions and the Role of the Reserve Bank in the Auckland Housing Crisis

In his address to the Property Council Of New Zealand yesterday, Deputy Reserve Bank Governor Grant Spencer gave a broad-view digest into the current housing supply pressure faced by New Zealanders, in particular, Aucklanders and Cantabrians. The Reserve Bank is under no disillusionment that LVR Restrictions are the silver bullet to the current market challenges, nor had it ever expected...
read more
{{name}} - APIA Auckland Property Investors

A Message For First Home Buyers - Warning. Reality Check Ahead.

I scratch my head every time a first-home buyer gets into the media and paints her position as nothing more than a Dickensian victim; marginalised by society and grasping at straws. Apparently, if newspapers and televisions are to be believed, half a million dollars will not get anyone a single house in Auckland. Not one jot. Just last week, I sat through a Barfoot auction in the CBD and...
read more

Quick Property Facts: OCR and Interest Rates

We often get asked by newbie investors what the Official Cash Rate is and how it affects property investors. Leaving the nitty-gritty details to the real experts, the Official Cash Rate ("the OCR") can largely be explained thus: One of the key functions of The Reserve Bank Of New Zealand ("RBNZ") is to manage a sound a dynamic economy focusing one three key fundamentals: sustainable grow...
read more

Recent Posts


Tags

Tribunal case study opes partners productivity rta reform twg report sublease watercare rent mindset short-term rental LIM brightline legal airbnb bond property management management Jeff Bezos advice Guest blog equity CCC skill shortage fixed-term tenancy building gluckman report market will tenant beginner investor apia tenancy services rental wof housing affordability Sponsored post negotiation commerce commission investment strategy HHS early termination smoke alarm Standards New Zealand clnz termination trust robert kiyosaki p lab partners rent increase wealth creation banking government income investor maintenance structure quiet enjoyment data security debt to income property cycle insurance Q&A development interest only RTAA 2019 scotney williams interest limitation Zodiak Management heater letting CoreLogic Question and answer damage heating market rent Investment tip RBNZ ask an expert insulation housing package return DTI property maintenance short term rental cat holiday house legal cost HHGA covid-19 warm up new zealand capital gain ring-fencing ocr retaliatory notice business personal growth tenancy tribunal rta buying rules meth yield Investor story relationship Property (Relationships) Act worksafe Must knows winz minor dwelling house prices financial advisers act trespass boarding house Market report speculator bond form parry v inglis education meth contamination Case study property value interest deductibility cgt bad tenant extractor fan initio interest rates anz housing bubble Holler finance bankruptcy inspection off the plan HSWA cash-flow ventilation tax shortland chartered accountants property recycling equity Level 4 daikin TCIT How to principal and interest re agent nzpif positive cash flow landlord privacy trademe asbestos property apprentice election 2017 unitary plan Must know television shower dome buyer's agent election2020 barfoot and thompson Kris Pedersen Mortgages and Insurance subdivision first home buying rent arrears mortgage travel bubble lvr auckland kiwibuild Editor's Choice buying rtaa2020 rent control reserve bank rental market sale and purchas renovation khh anti-social behaviour tenancy issues Landlording debt enforcement heat pump Gluckman warren buffett sale and purchase letting fee ird auckland council water bill wins

Archive

Introducing Our Partners
Principal Sponsor - Kris Pedersen Mortgages & Insurance logo Gold Sponsor - Barfoot & Thompson logo Gold Sponsor - CoreLogic logo Property Apprentice logo The Insulation Warehouse logo The Renovation Team logo The New Zealand Property Investors' Federation logo