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{{name}} - APIA Auckland Property Investors

Covid-19: Mortgage holidays

A what-do-we-know-what-don't-we-know about mortgage holidays so far: Debt-deferral, not debt-forgiveness: Interest will continue to accrue for the duration of the 'holiday'; More information to come: Most banks have signaled that more information/firmed up packages will be announced the week of 30th March; Packages designed more for owner-occupiers rather than investors: Inves...
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{{name}} - APIA Auckland Property Investors

Ryan Smuts: What to expect when you use a mortgage broker?

How do you know a broker is going to give you the best advice, and why is it worthwhile going down this path as opposed to going to your own bank? Well, this is a timely topic and definitely is a valid question. Typically the barriers to entry in our market are relatively low, and in terms of qualifications, not too much has to be done to be giving advice in the mortgage in...
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{{name}} - APIA Auckland Property Investors

Peter Lewis: DTI will not solve the housing crisis

Reserve bank Governor Graham Wheeler has been working for some time to reduce the risk that he sees in the New Zealand banking system, mainly centred on house price inflation and low dairy product returns. He has already attempted to restrain the demand for housing by introducing restrictions in investor loan-to-value ratios, thus limiting the amount that the main trading banks...
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{{name}} - APIA Auckland Property Investors

Monday catch up: 7 things we are keeping an eye on this week

Prices seem to be on everyone's mind, yours, mine, the Reserve Bank's... But hey! At least in the myriad of incessant and unending stories about Auckland house prices, there are some meaningful updates on a number of policy fronts. Here are the stories that caught my eyes, take a look: 1. The on-going saga of the Reserve Bank vs Auckland housing market has entered into Act Two. Looking set...
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{{name}} - APIA Auckland Property Investors

Reserve Bank consulting on property investor loans

**7th April 2015 Update** For a copy of APIA's submission click here. The Reserve Bank of New Zealand (RBNZ) is a politically independent body charged with overseeing the stability of the country’s financial system. As such, it can set down rules and issue instructions to the trading banks and to other financial institutions. The Governor of the RBNZ has looked at what happened overse...
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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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