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While most of the attention recently around mortgage rule changes has concentrated on the implementation of the debt-to-income (DTI) rules, it is worth noting that on the same day this change came in (1 July 2024), the Reserve Bank also slightly relaxed the loan-to-value restrictions..

As property tax and structuring specialists, one of the most common questions we encounter at GRA is whether to set up a look-through company (LTC) to hold investment property. The answer, more often than not, has shifted over the years to no. LTCs, once considered a..

Imagine this: A few years ago, after careful saving and financial planning, you managed to buy an investment property. Your goal from the outset is to hold the property long term. You do some work to add value, and intend keeping it for many years..

Are you interested in investing in property but find yourself locked out due to the high buy-in costs or the recent debt-to-income (DTI) restrictions?  Joint ownership of property may be a path worth exploring to get in the game and ensure you don’t miss out..

Anyone who provides lodging or ride-sharing services through an online marketplace in New Zealand, such as Airbnb or Uber, will be affected by new Goods and Services Tax (GST) changes, which came into force on April 1, 2024. What is the new legislation?Prior to 1 April..

Professional trustees are involved in all sorts of transactions for their clients. One of these is signing the settlement documents when a trust is buying or selling a property. The sale and purchase agreement for such a transaction will detail the settlement date, i.e. the date..

Solvency is a subject that can be challenging for our clients and can cause some distress when not understood correctly. This is not a very festive subject, but it's important to address it during these uncertain times we are currently going through.What is a solvent..

If you are in business, have debt, or need to work to earn an income, you probably already know it’s a good idea to have risk nsurance (health, life, trauma, income protection etc.). What you possibly don’t know, is that you are likely entitled to..

The Reserve Bank (RBNZ) surprised at their recent Official Cash Rate review on the 29th of November with their adoption of a relatively hawkish tone and the suggestion that we may not have seen the end to cash rate increases. They increased their own projection for..