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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... read more
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Ryan Smuts: Understanding serviceability

I get asked about bank servicing criteria all the time. Comes with the territory I suppose. The cautiousness I totally get. Imagine putting in all the hard work to get prepped up as the ‘ideal borrower’ only to find that the banks are looking at something else entirely different! Say you are after a home loan. You take your living expenses away from your net income to work out your mont... read more
{{name}} - APIA Auckland Property Investors

OCR predictions - should they be taken seriously?

This week's question comes from Pat (paraphrased): The Internet is riddled with OCR predictions. Every commentator sounds just as learned and trustworthy as the next. How seriously should property investors take these predictions? To answer this question, we've turned to Ryan Smuts from Kris Pedersen Mortgages & Insurance. Ryan, take it away! 'While ... read more
{{name}} - APIA Auckland Property Investors

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
{{name}} - APIA Auckland Property Investors

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
{{name}} - APIA Auckland Property Investors

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
{{name}} - APIA Auckland Property Investors

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
{{name}} - APIA Auckland Property Investors

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

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The Tenancy Practice Service and TPS Credit Control work closely with the Auckland Property Investors' Association. Our vision of bringing helpful resources, documents and high quality services to Auckland Property Investors and Property Managers is shared by APIA, so its a partnership that works well. 

The Auckland Property Investors' Association is a great organisation for those who want access to advice and information from a range of industry experts and partners. 



Mathieu Holt- Managing Director, The Tenancy Practice Service & TPS Credit Control
Through the Association I found the channels and methods to fund the purchase of property I never dreamed about. Grant Brown

All round it has been one of those things Neil and I felt was really worthwhile belonging to. We have learned so much it has just built our confidence in what we are doing.

Janice Bieleski
I read two articles in the monthly magazine that saved me over $5,000. That is my membership fee for the next 26 years and I am sure I will learn a whole lot more! John Duncan
Fantastic organisation. The networking opportunities are brilliant and provide us with information and opportunities that cannot be obtained anywhere else. We learn something new at every meeting and we've been in this game for nearly 20 years. Pauline and Gyanen Kumar

I find the information obtained from various APIA meetings very useful in guiding my own property investment and rental management.  I also enjoy the networking opportunities with like-minded investors.  I am inspired by other investors’ success and find the more experiences and knowledge that I share with others, the more confident I become.  

Thanks to all APIA event organizers and administrators for your brilliant work. 

Stella Shao

I like talking to people and learning from their experience because it gives me the confidence to invest well. I think it is a knowledge thing. I now know I am doing things the right way.

Stephen Weatherall

My APIA membership has become a total success.

Every time I attend a monthly or regional meeting I come away with so many useful and positive tips that have added value to my property investments and management.

Not only that, the website is a great place for practical advice and useful information. It has now evolved into an important resource for my business.

Talk about value for money! The discounts I have been getting at Bunnings when I present my APIA membership card have more than paid for my annual subscription!

Tim Duffett, Plan A Investments Limited