08-Dec-2020
APIA Blog
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Ryan Smuts: Making sense of the RBNZ Nov 2019 FSR
The RBNZ publishes its Financial Stability Report every May and November outlining the key areas of interest relating to the NZ economy, with a snapshot of where things sit today and things to be aware of moving forward. As property investors, we operate in a market which is strongly influenced by the financial system, due to the need for capital and the benefit of leverage when it co... read more01-Nov-2013
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 more16-Oct-2013
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 more05-Sep-2013
LVR Restrictions: The Reserve Bank Takes Action
The incessant hum of LVR restrictions and other macro-prudential tools to curtail the seemingly out-of-control Auckland housing market by the Wheeler led RBNZ is crescendoing into a full-blown chorus set to underscore lending ethos in the low equity market. From 1st October onwards, banks are required to have no more than 10% of mortgage lending flows at LVRs of more than 80%. Translation - i... read more08-Jun-2013
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 more19-Feb-2013
'Cos Bustin' Makes Mr. Wheel Feel Good
If there's somethin' strange in your neighbourhood Who ya gonna call? Price-Buster If it's somethin' weird and it won't look good Who ya gonna call? Price-Buster Are you singing along? Bear with us, we are getting somewhere with this analogy. Just as the Stay Puft Marshmallow Man laid waste to New York City, sky-rocketing housing prices in Auckland are also dashing the dreams of fi... read moreRecent Posts
- Maximum occupancy - don’t sit on your rights
- Landlords would do well not to underestimate the RTA
- Bond - it is the tenant’s money
- Personal properties vs chattels
- Ending a fixed-term tenancy to sell
- Landlord held not liable for co-tenants' pets
- How much to increase rent by in response to RTAA 2020
- What's my HHS compliance date?
- Hard for you but su*ks for me
- Cause and consequence are two different things
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