25-Aug-2020
APIA Blog
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13-Aug-2020
Rene Swindley: what does loss of rent insurance actually cover?
If a rental property suffers damage that makes it unliveable, the house will become unoccupied and the landlord will lose rental income until the house can be repaired and re-tenanted. Damage caused by major events like flooding, earthquake or fire could take months to repair, meaning months of no rental income. Loss of rent insurance is designed to put the landlord in the same posi... read more
24-Jul-2020
Ed McKnight: You can't just buy and hope
Some property commentators (and investors) look at the data the Real Estate Institute release and proclaim that it doesn’t matter where you buy … properties go up roughly the same amount no matter what the region. One economist released a fantastic piece of analysis that showed over the last 28 years, Gisborne house prices went up at the same rate as Auckland h... read more
09-Jul-2020
Kelvin Davidson: What lies ahead for property in the rest of 2020?
It’s obviously been an unprecedented year for the economy and property market so far in 2020, but it’s at least been reassuring that the number of appraisals generated by real estate agents, for-sale and for-rent listings, valuations ordered by banks, mortgage lending flows, and agreed sales activity have all rebounded since we left alert level four lockdown in late April. What’s ... read more
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
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
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
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
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
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 moreRecent Posts
- Raewyn Stanaway: Residential property investing - new builds vs existing
- Tenant requesting permission to occupy after termination
- Affidavits and witness testimony necessary to substantiate an anti-social behaviour claim
- Don't take legal advice from RE agents
- Claiming meth testing cost from the tenant
- Can tenant be reimbursed for piped water when the water tank fails?
- Can HHS ventilation ducting be merged?
- HHS heating to be installed right now?
- Is GST payable on all the properties held by a trading entity?
- All for the kids
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