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22-Jun-2020

Ryan Smuts: Do banks care about overseas income and debts?

Hell yeah! Banks always want to know your full financial position when assessing lending. They want to understand what your commitments are before they proceed in deciding on whether to lend you further funds. Just because you have liabilities overseas for example, this shouldn’t be treated any differently. It is no different to approaching ANZ for a loan, and not telling them about ... read more

Editor's Choice

08-Jun-2020

Kelvin Davidson: Which property types provide the best rental yields?

In the coming months, there are likely to be some ‘bargains’ on offer for property investors, although a slowdown in value growth may well mean more emphasis on a property’s rental yield. On that point, three-bedroom houses tend to have better yields than four-bedroom, while apartments tend to yield more than houses. Of course, there are other factors to consider – and the knock to th... read more

Editor's Choice

22-Apr-2020

Mark Withers: What about the plight of the ma-and-pa investors?

As the government continues to roll out relief measures to meet the economic challenges of COVID-19, I ask that it be mindful of the plight of those mum and pa property investors who supply 34% of housing in New Zealand. In addition to the ongoing compliance cost increases associated with owning rental properties and new legislation that surely increases the risk of prolonged periods ... read more

Investment tip

16-Apr-2020

Will COVID-19 change the way we invest in properties?

As real estate investors, our operations have come to a standstill. But how long will it take for us to start moving again, and how long will it take us to get back on our feet? The short answer; who knows? The longer answer is that we can assume that the residential property investment market will definitely change. These times are unprecedented - that is a fa... read more

Editor's Choice

21-Jan-2020

Ryan Smuts: How to finance a deal when you are investing with someone else

When it comes to investing in properties with a partner*, be it a spouse, a friend or colleague, funding rules can differ from lender to lender and would depend on the nature of the relationship between the parties. The key things to be aware of are outlined below: For the most part, lenders would assess applicants jointly if the partners are also (de facto) spouses. For example, in the c... read more

Editor's Choice

04-Apr-2019

Dear Finance & Expenditure Committee,

It is 6 pm and I start work at my second job, the one I am doing to make sure I can provide for my own retirement and I’m not solely reliant on the government to support me. I am a painter, kitchen builder, curtain hanger, and cleaner also known as - property investor. I continue working until about midnight, then go home and get a few hours’ sleep to do it all again tomorr... read more

Investment tip

08-Feb-2019

Ryan Smuts: Why it is never too late to start investing in property

Starting early definitely helps – when it comes to any kind of investing. Time is an investor’s best friend. Remember what Einstein said about compounding? That being said, it’s never too late to start today. There is a Chinese Proverb that says “The best time to plant a tree was 20 years ago. The second best time is now.” Investing is much the same. Focussing on what you didn’t do when... read more

Editor's Choice

15-Jan-2019

Ryan Smuts: What can you do if you bought at the top of the market?

This is a question that often troubles people, as they are unsure about how to proceed from here in terms of maintaining and/or growing their property portfolio further. I think some key things need to be considered: What did you actually buy? This is important to know because it will help you determine whether to hold or sell. Did you buy something in a likely high-growth or low-growth a... read more

Ryan Smuts: 5 Non-negotiable habits of a top property investor

Understanding that property investment is a business and treating it as such is the foundation for becoming a successful property investor. Like any business, you will need to first determine what goals you have for your ventures, what your desired end position looks like so that you can ensure you get there. Having no goals when you invest is like driving around in your ... read more

Editor's Choice

14-Feb-2018

Duncan King Law: Investment Property and the Property (Relationships) Act 1976

The Property (Relationships) Act 1976 (“PRA”) sets out the rules for how couple’s property is dealt with. The PRA applies to couples who are married, or in a civil union, or de facto relationship, a category which includes couples who don’t live together. The PRA divides property (which includes assets and liabilities) into relationship property, which is most often shared equally b... read more

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APIA Blog

Ryan Smuts: Do banks care about overseas income and debts?

Kelvin Davidson: Which property types provide the best rental yields?

Mark Withers: What about the plight of the ma-and-pa investors?

Will COVID-19 change the way we invest in properties?

Ryan Smuts: How to finance a deal when you are investing with someone else

Dear Finance & Expenditure Committee,

Ryan Smuts: Why it is never too late to start investing in property

Ryan Smuts: What can you do if you bought at the top of the market?

Ryan Smuts: 5 Non-negotiable habits of a top property investor

Duncan King Law: Investment Property and the Property (Relationships) Act 1976

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