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Articles by Kris Pedersen

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Why borrowing is so difficult – CCCFA amendments

by Kris Pedersen 15 Feb 22

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..

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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..

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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..

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Are you locked out of the property finance market?

by Kris Pedersen 14 May 19

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..

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Don't expect banks to loosen lending anytime soon

by Kris Pedersen 05 Nov 18

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..

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What are you doing with your mortgages in 2018?

by Kris Pedersen 30 Jan 18

I’ve noticed most people starting this year with a bit of optimism. However, it’s hard to say how much of that is based around fundamentals, and how much is more attributable to the amazing weather we have been having and a decent summer break. From..

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How to get finance that exceeds the LVR rules legally

by Kris Pedersen 27 Jun 17

For a while it appeared that the introduction of the 60% LVR rule for investors would make the property market easier for first home buyers. However, as per this article in the Herald and these statistics from the Reserve Bank, first home buyers are finding..

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