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I wrote about loss ring-fencing in my December article, and it is still a hot topic. With the rules to take effect from 1 April 2019 and the legislation still not finalised, there are a number of questions that remain. I address some of these using..

Many changes are occurring in our financial and real estate landscape. LOAN TO VALUE RATIOS (LVRs) As per my last blog on the proposed LVR rules, the LVR applicable across the whole of New Zealand for investors of residential property has now been set at..

In big news for property investors, on 30 April 2020 the Reserve Bank (RBNZ) confirmed that they were removing the loan-to-value restrictions that had been in place in one form or another since October 2013. Back then, the RBNZ decided to introduce different tools rather than..

Matthew Gilligan recently ran a webinar with Real Estate Investar on tax changes, including loss ring-fencing, and you can watch the recording here.  During the webinar, Matthew discusses the major NZ tax changes that are in the pipeline, including: The Tax Working Group's report •..

At GRA we understand that you want to keep things as simple and hassle-free as possible. We understand that time is a valuable commodity. That you'd like to spend less time managing your accounts, and more time running your business and living your life -..

It's no secret … people can make a lot of money through buying and owning property. But like all investments, get it wrong and you can lose your shirt, tie and pants. Yep … a trip down Brokesville Lane is a very real possibility. To avoid..

We can help you do good things with your business numbers! Not Harry Potter-style magic or delivering the right lottery numbers, but simply making sure that you have a clear picture of your business' financial performance when you need it, at a cost which you..

As a structuring adviser 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,..

Irrespective of whether we love or hate the green stuff, or fear or revere the gold, the cold hard fact of the folding is money rules our everyday lives to a significant extent. Sure it can't make you happy and it can't buy you love...