APIA Blog

{{name}} - APIA Auckland Property Investors

12-Sep-2019

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

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

Investment tip

13-Jan-2017

Get ready for interest rate hikes

With interest rates having remained suppressed for as long as they have, chances are many investors are not entirely prepared for the coming rate rises. And rise they will. There is nothing sinister or extraordinary happening. The same economic entropy that has been pushing the rates down for so long is also responsible for nudging them upwards in recent months. And it is ha... read more

Must know

13-Jun-2014

OCR increase - a sign of things to come?

Interest is without a doubt the biggest expense for most, if not all, property investors. A movement, however slight, in the OCR can have real consequences for property investors. It is perhaps unsurprising then that the latest increase in OCR announced by the Reserve Bank once again propels interest rates into the national psyche. Still, yesterday's Monetary Policy State... read more

01-Nov-2013

Is Auckland Homeownership The Impossible Dream?

A month into the new banking era of mortgage lending caps, I am already hearing anecdotal tales of quieter open homes, vacated auction rooms, and buyer frustrations. Whereas previously the housing market rivalled that of supermarket frenzies witnessed every 24th of December, now there is an eerily silent scene awaiting vendors and agents. I am confident that in the coming weeks there will ... read more

16-Oct-2013

No Silver Bullet: LVR Restrictions and the Role of the Reserve Bank in the Auckland Housing Crisis

In his address to the Property Council Of New Zealand yesterday, Deputy Reserve Bank Governor Grant Spencer gave a broad-view digest into the current housing supply pressure faced by New Zealanders, in particular, Aucklanders and Cantabrians. The Reserve Bank is under no disillusionment that LVR Restrictions are the silver bullet to the current market challenges, nor had it ever expected... read more

08-Jun-2013

A Message For First Home Buyers - Warning. Reality Check Ahead.

I scratch my head every time a first-home buyer gets into the media and paints her position as nothing more than a Dickensian victim; marginalised by society and grasping at straws. Apparently, if newspapers and televisions are to be believed, half a million dollars will not get anyone a single house in Auckland. Not one jot. Just last week, I sat through a Barfoot auction in the CBD and... read more

08-Mar-2012

Quick Property Facts: OCR and Interest Rates

We often get asked by newbie investors what the Official Cash Rate is and how it affects property investors. Leaving the nitty-gritty details to the real experts, the Official Cash Rate ("the OCR") can largely be explained thus: One of the key functions of The Reserve Bank Of New Zealand ("RBNZ") is to manage a sound a dynamic economy focusing one three key fundamentals: sustainable grow... read more

Tags

gluckman report investment strategy capital gain holiday house fixed-term tenancy finance equity commerce commission productivity insurance property value extractor fan rental wof business ocr television reserve bank Editor's Choice yield How to recycling equity LIM government minor dwelling will watercare skill shortage speculator financial advisers act sublease ventilation buying ird damage bond twg report Jeff Bezos Gluckman HSWA Market report RTAA 2019 sale and purchas opes partners scotney williams return trespass income bond form heating cgt shower dome clnz personal growth meth contamination landlord banking Kris Pedersen Mortgages and Insurance trademe meth asbestos auckland renovation legal Investor story letting fee positive cash flow p lab buyer's agent rent arrears property management housing bubble smoke alarm Sponsored post khh barfoot and thompson sale and purchase trust building mindset auckland council tenancy issues anti-social behaviour warren buffett interest only ask an expert HHGA Holler tax negotiation robert kiyosaki CoreLogic Guest blog Landlording Investment tip tenancy services maintenance rtaa2020 termination interest rates boarding house Standards New Zealand water bill tenancy tribunal heater winz cat property maintenance lvr kiwibuild off the plan buying rules mortgage worksafe advice relationship beginner investor structure debt enforcement wins rta reform Must knows insulation ring-fencing election2020 parry v inglis early termination management property cycle rent increase airbnb wealth creation education privacy principal and interest covid-19 anz Level 4 data security DTI investor re agent housing affordability Property (Relationships) Act market rent market first home buying property apprentice unitary plan Must know rta house prices Case study warm up new zealand short-term rental initio CCC nzpif subdivision rental market tenant Q&A inspection letting TCIT partners Tribunal case study property election 2017 Question and answer rent RBNZ bad tenant cash-flow HHS development

Login

Not a member?