Articles by Matthew Gilligan
Friday, August 25, 2017
I wonder if the Reserve Bank’s enthusiasm for introducing debt-to-income ratios has more to do with social agenda than strengthening the economy and protecting the banking system.   ... Read Article
Friday, August 25, 2017

DTI and social policy

I wonder if the Reserve Bank’s enthusiasm for introducing debt-to-income ratios has more to do with social agenda than strengthening the economy and protecting the banking system.   ... Read Article
Monday, September 19, 2016
It is with some interest that I watch the property and finance markets as the recent Reserve Bank rule (winding investor lending back to 60% loan-to-value ratio) starts to take effect and bite property investors. 
  ... Read Article
Monday, September 19, 2016

How property investors can work with the new LVR rule

It is with some interest that I watch the property and finance markets as the recent Reserve Bank rule (winding investor lending back to 60% loan-to-value ratio) starts to take effect and bite property investors. 
  ... Read Article
Wednesday, February 26, 2014

Did everyone catch the NZ  Reserve Bank announcement today that investors with 5 or more rental properties will be required to be treated commercially by banks?    ... Read Article

Wednesday, February 26, 2014

New Reserve Bank Lending Rules for Five or More Rentals

Did everyone catch the NZ  Reserve Bank announcement today that investors with 5 or more rental properties will be required to be treated commercially by banks?    ... Read Article

Friday, October 11, 2013
As of 1st October 2013, the Reserve Bank has imposed limits on high loan-to-value mortgage lending.  ... Read Article
Friday, October 11, 2013

New LVR (Loan Value Ratio) Rules

As of 1st October 2013, the Reserve Bank has imposed limits on high loan-to-value mortgage lending.  ... Read Article
Wednesday, October 20, 2010

Since announcing in May that the LAQC regime was going to be the subject of an overhaul the property investment community has been anxiously awaiting the Government’s follow-up to the Issues Paper released at the time.  On Friday 15 October 2010 draft legislation was released.  As at the time of writing all practitioners, including myself, were poring over the draft to get to grips with the new regime.  The objective of this article is to provide an overview of the proposed rules.  Contact Us At GRA  ... Read Article

Wednesday, October 20, 2010

GOODBYE LAQC, HELLO LTC

Since announcing in May that the LAQC regime was going to be the subject of an overhaul the property investment community has been anxiously awaiting the Government’s follow-up to the Issues Paper released at the time.  On Friday 15 October 2010 draft legislation was released.  As at the time of writing all practitioners, including myself, were poring over the draft to get to grips with the new regime.  The objective of this article is to provide an overview of the proposed rules.  Contact Us At GRA  ... Read Article

Saturday, May 16, 2009

As a structuring advisor to investors and business people, one very common mistake with many  business and property structures is a spouse being offered as a guarantor to the banks, landlords or creditors of a business.
  ... Read Article

Saturday, May 16, 2009

Managing Liabilities: Risk and Your Spouse In Business

As a structuring advisor to investors and business people, one very common mistake with many  business and property structures is a spouse being offered as a guarantor to the banks, landlords or creditors of a business.
  ... Read Article

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