24-Mar-2020
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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
27-Aug-2019
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
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
15-Oct-2018
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... read more
23-Jun-2018
Ryan Smuts: Buying off the plan
Buying off the plan can be an exciting proposal, it has many benefits which can be capitalised on if purchasing correctly and with enough due diligence put into practice, however, every rose has its thorns, and it is important to be aware of the risks that can be associated to this method of purchasing property. Risks The cautious buyer will understand first, the... read more
31-May-2018
Ryan Smuts: How to Invest your money when you are not a high income earner
I was always taught in relation to saving and investing that it is not the amount that counts, it’s where you put it – it’s allocation. Time is an investor’s best friend, and understanding the power of compounding interest, and other minor tricks can be the difference in turning a little into a lot. The median wage in NZ when annualized ends up being about $49,900, ... read more
08-Feb-2018
Ryan Smuts: How to survive a market downturn
The key to surviving in a downward market is having a strategy and set of buying rules that you commit to regardless of circumstance. In this, and in any market, the team you have around you will be the key to your success. A good mortgage broker, solicitor, building inspector, insurance broker, real estate agent and property manager will give you the information and professional supp... read more
10-Oct-2017
Financial risks when you buy off-the-plan
Over the course of the last few years, investors had made a lot of money buying properties off-the-plan. The overall idea is simple enough: an off-the-plan buyer can enjoy capital gains before having to service any interest costs. That was particularly the case in Auckland where settlements often got pushed out by lengthy council delays without any increase in purchase prices... read more
08-Jun-2017
Peter Lewis: DTI is but a band-aid solution to the bigger 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. Now that the milk market has turned up again, property prices and the related mortgage lending seem to be his main target. He has already attempted to restrain the demand for h... read moreRecent Posts
- Covid-19: Some tips for landlords to manage rent arrears
- Covid-19: Should you continue to issue 14-day notices
- Covid-19: Mortgage holidays
- Level 4: Socialise reliefs, privatise solutions
- Ryan Smuts: I’ve just changed jobs, what does my lender need to know?
- Covid-19: Temporary rent reduction
- Say NO! to 218-1
- Associated person - there is no there there
- PSA: 218-1 is a bad bill!
- Debbie Roberts: The #1 question I get asked by coaching clients
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