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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..

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..

Congratulations! You've scrimped, scraped and struggled. But you've managed it! Yes, you've got your foot on the first rung of the property ladder. Finally, you have a place of your own. Just like a game of snakes and ladders though, you can easily slip down and..

This is the first of many "Just a Minute with Janet' video blogs I will be sharing with you. My video blogs will include lots of tips and valuable information on money, business, property, trusts, wills etc, so keep tuned for each new Vlog. I..

2008 was a year all of us would like to forget.  It was the year when the global financial crisis (GFC) hit and many individuals, businesses and countries went bankrupt, redundancies happened in their droves, unemployment went up and government cutbacks were the norm.  ..

A special tax code allows your employer to deduct PAYE at a lower amount, effectively paying you your tax refund during the year in each pay you receive. Are you receiving a salary or wage? Do you have investment property that generates tax losses? Do..

In March 2013 I wrote a blog about the heavy handedness of the IRD, and that their tactics were the leading cause of bankruptcy in New Zealand. At GRA we have noticed that these tactics are getting markedly worse, and we are seeing significantly more..

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..