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20-Nov-2020

Ryan Smuts: Can you still get a mortgage after filing for bankruptcy?

When it comes to mortgage lending, in many circumstances it comes down to deposits/equity and your ability to meet loan affordability criteria, which can be different depending on which lender you approach. However, another key area of mortgage lending is your character, which covers your overall position as a borrower – including for example, credit history and ...

Investment tip

18-Nov-2020

Debbie Roberts: My top tips for late starters

If retirement is right around the corner for you, you might be thinking that it is too late for you to start investing in property, and you might be wishing that you had started 20 years ago. However, it's not necessarily true that you have missed the boat completely. It will depend on how much time you have left until retirement, what your borrowing capacity is, and what your equit...

Guest blog

23-Oct-2020

Raewyn Stanaway: Residential property investing - new builds vs existing

There are lots of options available when looking to invest in residential property and one consideration is whether to buy an existing property or a ‘new build’. With the current RTA and Healthy Homes legislation, there is indeed a lot to think about. Existing Homes Unless you are buying an existing house that is already 100% compliant with current legislation, or wish to do any work re...

Guest blog

22-Sep-2020

Ryan Smuts: I own a Kiwibuild, how do I make a start at investing in property?

If you’ve bought yourself a Kiwibuild property you may find yourself in a position where you’re unable to get additional lending on the property, or rent it out for a certain period of time (often between 2-3 years depending on the development & agreements signed). While things certainly seem rather restrictive, in reality you’ve just bought yourself ample t...

Guest blog

14-Sep-2020

Debbie Roberts: You totally don't need a 6-figure income to invest in property

In the 10 years we have been helping Kiwis get ahead financially by investing in property, one thing that has become abundantly clear is that there is no such thing as one size fits all when it comes to purchasing an investment property. You might be surprised that many people launch into property investment without even a basic understanding about rental returns, return on deposit,...

Guest blog

10-Sep-2020

Kelvin Davidson: How has COVID affected the property market

COVID-19 hasn’t significantly undermined the property market so far In this fast-moving COVID environment it’s easy to lose track of everything that’s changed since the end of March and how the property market has been impacted. Recall that since March: The Government has launched a huge fiscal support package, including the wage subsidy, which has kept people in jobs and pay...

Guest blog

04-Sep-2020

Ryan Smuts: How much money does it take to become a property investor

We meet clients regularly who are looking at getting into property investment and are wondering how much money they need to get going. There are many answers to this question. Much will depend on your intention and financial position. That said, here are some considerations to help you arrive at the appropriate range. If you are buying properties for the first time, you wil...

Guest blog

04-Aug-2020

Kelvin Davidson: Property seems to be off politicians’ radars

The 2020 General Election is fast approaching and even in normal years elections tend to create some uncertainty in the economy and the property market, with investors often finding themselves staring down the barrel of some kind of new tax or regulatory change. Needless to say, this parliamentary term has seen plenty of these (e.g. extra insulation standards, tenancy law reform, ri...

Guest blog

22-Jul-2020

Ryan Smuts: 4 things to watch out for when working with 2nd-tier lenders

Second-tier/non-bank lending is not for the faint-hearted. Rules differ widely from traditional property financing. Still, with the banks taking a tough stance on property lending these days, it pays to open up your mind to second-tier lenders to get yourself moving forward. I have been asked to share some not-so-obvious tips with first-time borrowers in the second-tier market: Compari...

Guest blog

23-Jun-2020

Raewyn Stanaway: How to 'winter-proof' your tenancy

The last thing any landlord wants is their tenant moving out in the middle of winter because they find the property cold or damp. Your chances of re renting a cold property quickly at that time of year will be very difficult. Warm and comfortable homes are more appealing and will attract and keep good long term tenants. You will be aware of the Healthy Homes Standards that became law on 1...

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APIA Blog

Ryan Smuts: Can you still get a mortgage after filing for bankruptcy?

Debbie Roberts: My top tips for late starters

Raewyn Stanaway: Residential property investing - new builds vs existing

Ryan Smuts: I own a Kiwibuild, how do I make a start at investing in property?

Debbie Roberts: You totally don't need a 6-figure income to invest in property

Kelvin Davidson: How has COVID affected the property market

Ryan Smuts: How much money does it take to become a property investor

Kelvin Davidson: Property seems to be off politicians’ radars

Ryan Smuts: 4 things to watch out for when working with 2nd-tier lenders

Raewyn Stanaway: How to 'winter-proof' your tenancy

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