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The headlines read "House prices out of control", "House prices can't keep going up", "House prices are going to fall".  But are the headlines right? How far can house prices continue to climb?   Demand outweighed supply. Housing shortage pre Global Financial Crises (GFC) existed...

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..

With new tax rules for residential rental properties and stricter regulations for the banks, the market is a different beast for property investors to deal with compared to what it was 6-12 months ago. Here are my observations:Credit is tight. The banks have new rules that..

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 Aucklanders' hearts as real estate and the desire to discuss and critique all things property.  What is somewhat new,..

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..

As many investors will already know, banks have been steadily tightening their lending criteria, making it more challenging to borrow. And soon, when the new capital requirement rules for banks come into effect next year, this is only going to get harder.  Capital requirements for..

I have been surprised at the somewhat negative media commentary on property in the last 90 days, with prominence given to many of the usual doomsayer economists predicting a market meltdown. With predictions of 10–20% price drops (and a few keyboard warriors during lockdown saying..

There have been many changes to legislation affecting property investors over the past 4½ years. We have had:•  Healthy Homes Standards•  Loan-to-value ratio (LVR) changes•  Requirement for heat pumps•  Loss of claiming interest as an expense How have property investors reacted and what has happened? Before I..

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 Saturday night was no..