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The flaws of introducing DTI

by The Professional Trustee Team 24 Aug 17

We've lived for a while now with the quiet rumblings of the Reserve Bank of New Zealand (RBNZ) wishing to introduce a new macro prudential policy of debt-to-income ratio (DTI) on the premise this is needed to ensure stability in our financial system. Much has..

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LVR consequences

by The Professional Trustee Team 04 Aug 16

Many changes are occurring in our financial and real estate landscape. LOAN TO VALUE RATIOS (LVRs) As per my last blog, the LVR applicable across the whole of NZ for investors of residential property has now been set at 60% by the RBNZ.  As I've..

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Proposed new LVR rules for investors

by The Professional Trustee Team 19 Jul 16

From 1 September 2016 we are likely to see higher LVR rules being applied to investors who are borrowing to purchase residential investment property as per the Reserve Bank announcement today.  Under the proposed new restrictions, investors across New Zealand will be required to have..

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RBNZ and interest rates - should you be worried?

by The Professional Trustee Team 13 Nov 15

This week we had a question from a client which prompted this blog.  They said they wanted to fix their mortgage at the lowest possible rate and they asked me where I saw interest rates going.  It was a good question and it got my..

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Dollars, sense and interest rates

by The Professional Trustee Team 20 Oct 15

The general consensus of opinion is interest rates are on the way down but the big questions still remain: when will the cuts come and how low will the rates go?  BACKGROUND On 10 September 2015 the Reserve Bank of New Zealand ("RBNZ") cut the..

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How to handle interest rates in today's changing times

by The Professional Trustee Team 24 Aug 15

Recently there has been a lot happening on the economic and political fronts which may have the propensity to affect our property and borrowing decisions.  In these times, it can be difficult to decide what a sensible course of action to take is.   If..

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7 FINANCIAL WEALTH CREATION TIPS

by The Professional Trustee Team 27 Jan 14

Below are my final seven financial tips. 8. Staying On Top Of The IRD This is my 29th year in business.  Over that time, I've met many people and dealt with a myriad of issues.  Here's one thing that's common amongst them all – no..

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Just like cooking programs dominate our TV space, articles on property occupy our print media.  Not that there's anything new in this.  There's nothing so dear to Aucklander's hearts as real estate and the desire to discuss and critique all things property.  What is somewhat..

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Interest In Interest Rates

by The Professional Trustee Team 22 Feb 12

INTEREST IN INTEREST RATES It seems to me everyone is talking about interest rates at the moment.  I've been catching snatches of conversation on trains, planes and restaurants.  The topic has featured heavily on tv and in newspapers.   Dinner with friends at my home on..

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