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Articles by Matthew Gilligan

Matthew Gilligan

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DTI and social policy

by Matthew Gilligan 24 Aug 17

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.  In her August blog, GRA's Janet Xuccoa notes that debt-to-income ratios (DTIs) are potentially dangerous and that they..

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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.  You have to ask whether the Reserve Bank has manufactured..

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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?   Apparently we must be treated as small business owners in risk profile and higher costs for credit paid...

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New LVR (Loan Value Ratio) Rules

by Matthew Gilligan 10 Oct 13

As of 1st October 2013, the Reserve Bank has imposed limits on high loan-to-value mortgage lending. What are the new rules? Under these new rules, only 10% of a bank's new residential mortgage lending can be at LVRs over 80%. Up until now, high LVR..

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GOODBYE LAQC, HELLO LTC

by Matthew Gilligan 19 Oct 10

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. ..

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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. Their personal guarantee is often not required to get a deal done,..

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