27-Mar-2020
APIA Blog
RSS Feed15-Oct-2018
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 more22-Nov-2016
Peter Lewis: DTI will not solve the housing crisis
Reserve bank Governor Graham Wheeler has been working for some time to reduce the risk that he sees in the New Zealand banking system, mainly centred on house price inflation and low dairy product returns. He has already attempted to restrain the demand for housing by introducing restrictions in investor loan-to-value ratios, thus limiting the amount that the main trading banks... read more06-Apr-2015
Monday catch up: 7 things we are keeping an eye on this week
Prices seem to be on everyone's mind, yours, mine, the Reserve Bank's... But hey! At least in the myriad of incessant and unending stories about Auckland house prices, there are some meaningful updates on a number of policy fronts. Here are the stories that caught my eyes, take a look: 1. The on-going saga of the Reserve Bank vs Auckland housing market has entered into Act Two. Looking set... read more17-Mar-2015
Reserve Bank consulting on property investor loans
**7th April 2015 Update** For a copy of APIA's submission click here. The Reserve Bank of New Zealand (RBNZ) is a politically independent body charged with overseeing the stability of the country’s financial system. As such, it can set down rules and issue instructions to the trading banks and to other financial institutions. The Governor of the RBNZ has looked at what happened overse... read more05-Feb-2013
Ask An Expert: P&I or Interest Only?
Paula asks the APIA Expert Panel: Why do some people choose loan repayments at principal and interest or interest only? How do they decide which is better for that property? Lena Li, ANZ Mobile Mortgage Manager, Answers Paula, when you take out a Home Loan, you have two repayment choices: principal and interest (table) or interest only. Principal and Interest (Table) Table rep... read moreRecent Posts
- Personal properties vs chattels
- Ending a fixed-term tenancy to sell
- Landlord held not liable for co-tenants' pets
- How much to increase rent by in response to RTAA 2020
- What's my HHS compliance date?
- Hard for you but su*ks for me
- Cause and consequence are two different things
- Brightline application for 'private transfer' of inherited properties
- Rent increase after substantial work: not a case of $1-in-$1-out
- Kelvin Davidson: It’s been an unprecedented year – the swings and roundabouts of 2020
Tags
data security wealth creation warm up new zealand letting fee first home buying winz covid-19 RBNZ skill shortage wins personal growth election 2017 landlord worksafe How to damage property value property apprentice Market report structure HHGA asbestos investor brightline bond form sale and purchas DTI speculator airbnb barfoot and thompson boarding house re agent Question and answer negotiation Sponsored post rent arrears tenancy issues tenancy services productivity commerce commission interest rates rent housing bubble water bill meth contamination bond trademe will principal and interest HHS Gluckman ask an expert quiet enjoyment market reserve bank retaliatory notice anz Landlording positive cash flow insulation yield recycling equity property management termination meth Standards New Zealand education CoreLogic beginner investor LIM twg report early termination smoke alarm sublease heating buying rules return heater fixed-term tenancy Must knows debt enforcement buying short-term rental auckland council Level 4 market rent khh parry v inglis house prices opes partners Q&A extractor fan Tribunal case study rta buyer's agent building Case study ventilation banking Guest blog ring-fencing legal robert kiyosaki rental wof election2020 p lab RTAA 2019 financial advisers act letting sale and purchase rtaa2020 inspection maintenance minor dwelling off the plan bad tenant bankruptcy Holler property maintenance rta reform Must know mindset rent increase TCIT Investment tip interest only Kris Pedersen Mortgages and Insurance business property cycle HSWA clnz trust Property (Relationships) Act tax Jeff Bezos ocr television renovation income insurance finance Investor story advice tenancy tribunal cgt gluckman report Editor's Choice CCC initio anti-social behaviour kiwibuild mortgage cat equity housing affordability ird relationship warren buffett shortland chartered accountants investment strategy development capital gain partners property management privacy tenant lvr subdivision scotney williams holiday house trespass cash-flow watercare auckland rental market nzpif unitary plan shower dome government
- advice (12)
- airbnb (4)
- anti-social behaviour (1)
- anz (4)
- asbestos (2)
- ask an expert (11)
- auckland (9)
- auckland council (6)
- bad tenant (2)
- banking (3)
- bankruptcy (1)
- barfoot and thompson (1)
- beginner investor (6)
- boarding house (1)
- bond (2)
- bond form (1)
- brightline (1)
- building (9)
- business (1)
- buyer's agent (1)
- buying (1)
- buying rules (1)
- capital gain (3)
- Case study (3)
- cash-flow (3)
- cat (1)
- CCC (2)
- cgt (2)
- clnz (6)
- commerce commission (1)
- CoreLogic (3)
- covid-19 (14)
- damage (3)
- data security (1)
- debt enforcement (2)
- development (5)
- DTI (2)
- early termination (1)
- Editor's Choice (28)
- education (2)
- election 2017 (1)
- election2020 (1)
- equity (1)
- extractor fan (1)
- finance (28)
- financial advisers act (1)
- first home buying (8)
- fixed-term tenancy (3)
- Gluckman (1)
- gluckman report (1)
- government (10)
- Guest blog (36)
- heater (3)
- heating (9)
- HHGA (6)
- HHS (18)
- holiday house (1)
- Holler (10)
- house prices (8)
- housing affordability (11)
- housing bubble (7)
- How to (37)
- HSWA (5)
- income (2)
- initio (2)
- inspection (2)
- insulation (12)
- insurance (9)
- interest only (1)
- interest rates (9)
- investment strategy (24)
- Investment tip (22)
- investor (43)
- Investor story (5)
- ird (1)
- Jeff Bezos (1)
- khh (2)
- kiwibuild (1)
- Kris Pedersen Mortgages and Insurance (10)
- landlord (82)
- Landlording (56)
- legal (5)
- letting (1)
- letting fee (2)
- Level 4 (2)
- LIM (2)
- lvr (7)
- maintenance (2)
- management (15)
- market (5)
- market rent (3)
- Market report (2)
- meth (5)
- meth contamination (7)
- mindset (1)
- minor dwelling (3)
- mortgage (6)
- Must know (43)
- Must knows (33)
- negotiation (2)
- nzpif (6)
- ocr (5)
- off the plan (1)
- opes partners (1)
- p lab (8)
- parry v inglis (2)
- partners (1)
- personal growth (4)
- positive cash flow (1)
- principal and interest (1)
- privacy (3)
- productivity (1)
- property (20)
- Property (Relationships) Act (1)
- property apprentice (1)
- property cycle (2)
- property maintenance (7)
- property management (22)
- property value (13)
- Q&A (73)
- Question and answer (70)
- quiet enjoyment (1)
- RBNZ (1)
- re agent (1)
- recycling equity (1)
- relationship (2)
- renovation (7)
- rent (8)
- rent arrears (6)
- rent increase (1)
- rental market (4)
- rental wof (1)
- reserve bank (11)
- retaliatory notice (1)
- return (3)
- ring-fencing (7)
- robert kiyosaki (1)
- rta (46)
- rta reform (2)
- RTAA 2019 (6)
- rtaa2020 (3)
- sale and purchas (1)
- sale and purchase (2)
- scotney williams (7)
- shortland chartered accountants (1)
- short-term rental (1)
- shower dome (1)
- skill shortage (1)
- smoke alarm (1)
- speculator (3)
- Sponsored post (14)
- Standards New Zealand (2)
- structure (1)
- subdivision (2)
- sublease (1)
- tax (12)
- TCIT (2)
- television (1)
- tenancy issues (81)
- tenancy services (7)
- tenancy tribunal (33)
- tenant (55)
- termination (8)
- trademe (1)
- trespass (1)
- Tribunal case study (6)
- trust (2)
- twg report (1)
- unitary plan (1)
- ventilation (2)
- warm up new zealand (1)
- warren buffett (3)
- water bill (6)
- watercare (7)
- wealth creation (2)
- will (1)
- wins (1)
- winz (1)
- worksafe (1)
- yield (1)