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Kelvin Davidson: Inflation and interest rates take centre stage

What a change a few weeks can make. It was only a short time ago that some commentators were predicting that the official cash rate (OCR) wouldn’t start to rise until 2023 or even 2024, and the ‘consensus’ was for a rise in the second half of 2022. But that has all changed very rapidly, and now an OCR increase looks relatively likely for August 18th – i.e. only a few weeks from now....
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Kelvin Davidson: Our ‘top down’ perspective on the Government’s investor tax policy changes

It’s an understatement to suggest that the content of the Government’s housing policy announcement on 23rd March was a surprise to most. In reality, it was a major surprise to all. However, now that the dust has settled a bit, our perception is that the changes won’t have as much impact as first thought. Sure, some landlords will look to sell properties and/or raise rents sharply, but...
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{{name}} - APIA Auckland Property Investors

Kelvin Davidson: It’s been an unprecedented year – the swings and roundabouts of 2020

Thinking back to the start of 2020, nobody could have anticipated what was about to playout for the economy or the property market. But after a lot of uncertainty and conjecture about what the future might hold, we’re almost at the end of the year and it’s remarkable to see that house sales and prices are on a strong upswing. Indeed, the number of...
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{{name}} - APIA Auckland Property Investors

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...
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{{name}} - APIA Auckland Property Investors

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...
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{{name}} - APIA Auckland Property Investors

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 ...
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{{name}} - APIA Auckland Property Investors

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...
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{{name}} - APIA Auckland Property Investors

Kelvin Davidson: The tax ring-fence is unlikely to cause a sea-change in investor behaviour

From April 1st the tax ring-fence for rental property losses needs to be accounted for by investors. It is currently going through the ‘bill to law’ process, which starts with a select committee and then ends up before Parliament for the final stage. In other words, although it’s not law just yet, it looks pretty likely to pass and once approved will apply to the current tax year (end...
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