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Tuesday, August 27, 2019

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 r... read more

Monday, October 15, 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 mortga... read more

Saturday, June 23, 2018

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

Saturday, June 09, 2018

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

Thursday, May 31, 2018

Ryan Smuts: How to Invest your money when you are not a high income earner

I was always taught in relation to saving and investing that it is not the amount that counts, it’s where you put it – it’s allocation. Time is an investor’s best friend, and understanding the power of compounding interest, and other minor tricks can be the difference in turning a little into a lot. The median wage in NZ when annualized ends up being about $49,900, ... read more

Tuesday, October 10, 2017

Financial risks when you buy off-the-plan

Over the course of the last few years, investors had made a lot of money buying properties off-the-plan. The overall idea is simple enough: an off-the-plan buyer can enjoy capital gains before having to service any interest costs. That was particularly the case in Auckland where settlements often got pushed out by lengthy council delays without any increase in purch... read more

Tuesday, August 16, 2016

Holler Practice Note from an insurance perspective

Less than one month in, the Holler Practice Note is already causing ripples in the property industry. Anecdotally we are aware of several Tribunal adjudications absolving tenants of any responsibilities as to damages to the property. Since Holler goes into the heart of the insurer's right of subrogation, many landlords will be asking What does that mean to ... read more