APIA Blog

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14-Aug-2018

Suzanne Colson: Short-term tenants and insurance

If you plan on renting out a room or your house to short-term tenants, there are some things you need to consider. One of the most important is how it will affect your insurance cover. Non-Disclosure Failing to tell your insurance company about the change in occupancy could result in non-disclosure; which in turn could result in non-payment of a claim. Make sure you let your insurer k... read more

Landlording

26-Jul-2018

A broken heater lead to a $2250 fine

By now, APIA landlords should be well aware of the 1947 Housing Improvement Regulations (HIR) and how it relates to s45 of the Residential Tenancies Act. The Tribunal, historically, has certainly not shied away from enforcing elements of the HIR especially as it relates to dampness. Increasingly, however, we are seeing it being relied on in decisions pertaining to deficient heating. For... read more

Landlording

13-Jul-2018

John Priest: Being a successful landlord, my way

Firstly, be careful who you accept as a tenant. Sorry property managers, but I insist on managing my own properties and I consider the most important aspect of this to be tenant selection. I want to meet prospective tenants and see if I have a good feeling about them. Whatever your instinct tells you it must be backed up with research. Once when I had had a shortage of... read more

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

Investment tip

13-Jun-2018

How to set rent?

Setting your rent can be a bit of a Goldilocks Paradox: charge too much, you turn off inquiries; charge too little, you compromise the performance of your property. The right amount of rent will not only help you attract the right types of tenants, it also ensures the continued success of your rental portfolio. We asked five APIA investors to share their rent strategies and elab... 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

Guest blog

07-Jun-2018

Amanda Watt: Removal of negative gearing

I have delayed writing about the removal of the negative gearing, so I could spend more time thinking about what it will mean for property investors. The Government’s issues paper addressing negative gearing came out earlier this year and asked for submissions. Both the NZPIF and APIA made submissions on behalf of members. The proposal outlined in the issues paper is that negative ... read more

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

Guest blog

29-May-2018

John Paynter: Some thoughts on ring-fencing rental losses from the landlord's perspective

There is the widespread belief that residential landlords make large profits with minimal effort and negligible risk. This is quite untrue. My gross income from investments is probably about the same I would get if I was once again employed in the corporate world. I typically work more than a forty hour week but, unlike corporate employment, I get no paid holidays or other benefits. There... read more

Must know

23-May-2018

Read this before you buy your first property

Buying your first ever property, be it a home or a rental, is as exciting as it is intimidating. Chances are this is the biggest financial commitment you've ever had to make. Feeling anxious is part of the process but that doesn't mean your nerves should get to you. Before you dive into the world of property, familiarise yourself with these commonly used terms courtesy of our good fri... read more

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