Kris Pedersen Blog

Kris Pedersen

Viewing Kris Pedersen Blog

The Reserve Bank (RBNZ) surprised at their recent Official Cash Rate review on the 29th of November with their adoption of a relatively hawkish tone and the suggestion that we may not have seen the end to cash rate increases. They increased their own projection for..

Read Article

If you're a New Zealand resident looking to invest in residential property, now may be the perfect time to do so. Several key factors are converging to create a favourable environment for property investment, including dropping inflation rates, mortgage interest rates looking to have peaked,..

Read Article

If you keep an eye on the media, you will have noticed over the Christmas break and into January a plethora of articles referring to the CCCFA. The Credit Contracts and Consumer Finance Act was initially brought in back in 2005, but all the recent..

Read Article

Interest Rate Commentary - February 2022

by Kris Pedersen 01 Feb 22

The next few months could see a shock to some Kiwi households’ budgets, as around 60% of existing mortgages are having their fixed rates expire within 12 months. Interest rate increasesThis time last year, a large number of borrowers were fixing on the 12-month rate because..

Read Article

It's time to review your loans

by Kris Pedersen 29 Jul 21

As little as a month ago, many economists were predicting that it would be mid to late 2022 before we see the Reserve Bank raise the Official Cash Rate (OCR). This situation has rapidly changed with the market now pricing in a 90% chance that..

Read Article

The LVR Restrictions are Back!

by Kris Pedersen 17 Nov 20

Back in May I wrote that the Reserve Bank had removed the loan-to-value restrictions, which they stated would be for a 12-month period. At the time, this made sense with Government, Treasury and most economists' predictions being in line with double digit decreases in house..

Read Article

LVR Rules Relaxed

by Kris Pedersen 28 May 20

In big news for property investors, on 30 April 2020 the Reserve Bank (RBNZ) confirmed that they were removing the loan-to-value restrictions that had been in place in one form or another since October 2013. Back then, the RBNZ decided to introduce different tools rather than..

Read Article

Over the last few years it has become harder for property investors and developers to obtain the funding they need. In spite of low interest rates, some good opportunities in the property market and a high demand for new housing (especially in Auckland), it has..

Read Article

As investors become increasingly aware of how much the lending landscape has changed from that of a few years ago, a question I am receiving a lot is, “When will we see the banks relax mortgage lending criteria again?” Whilst we saw the slight relaxing..

Read Article
Testimonials
Because of Property School I have become more confident to start getting into property. The classes were all interesting and well presented. - Daniel W, August 2018

Would you like to receive . .

. . tips, updates and useful information to help
protect your assets and grow your net worth?

GRA logo

Gilligan Rowe and Associates is a chartered accounting firm specialising in property, asset planning, legal structures, taxation and compliance.

We help new, small and medium property investors become long-term successful investors through our education programmes and property portfolio planning advice. With our deep knowledge and experience, we have assisted hundreds of clients build wealth through property investment.

Learn More
GRA Senior Partners
TOP