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Recessionary Times

by Matthew Gilligan 29 Feb 24

Tax and legal professionals generally see what’s going on in the property and business landscape before it makes headlines. Our clients—property investors and businesspeople—provide us with front-row seats to what’s unfolding in the market. And I must say at time of writing in February 2024,..

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Impact of Debt-to-Income Restrictions

by Matthew Gilligan 26 Jan 24

This week the Reserve Bank of New Zealand (RBNZ) announced their proposal to introduce debt-to-income (DTI) restrictions (also known as debt serviceability restrictions or DSRs) on home lending. Being in practice as chartered accounts specialising in property, GRA are in a good position to read sentiment..

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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..

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Does Your Money Personality Cost You?

by The Professional Trustee Team 27 Jan 11

One of the most popular subjects we talk and write about has to be money.  How to make it is definitely a topic that would come up at most social gatherings. I guess this is appropriate seeing money is the currency we all use to live..

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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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Fix or Float, the Question of the Day

by The Professional Trustee Team 23 Sep 13

What an interesting time we've been having in the land of money.  Seems all the points in my last blog about LVRs (August 2013) are coming true.   The Reserve Bank has used its new toy with all the effect I predicted occurring. Two of..

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Going Down - IRD reduces rates!

by John Rowe 04 Aug 09

At last some good news out of Inland Revenue.  Fringe Benefit Tax (FBT) The FBT rate for low-interest loans will fall from 8.05% to 6.41% from 1 July 2009. This has come about due to the continuing effort to try and align the rate with the..

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GOODBYE LAQC, HELLO LTC

by Matthew Gilligan 18 Oct 10

Since announcing in May that the LAQC regime was going to be the subject of an overhaul, the property investment community has been anxiously awaiting the Government's follow-up to the Issues Paper released at the time.  On Friday 15 October 2010 draft legislation was released. ..

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How Far Can Auckland House Prices Go?

by The Professional Trustee Team 16 Jun 15

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...

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Gilligan Rowe and Associates is a chartered accounting firm specialising in property, asset planning, legal structures, taxation and compliance.

We help new, small and medium property investors become long-term successful investors through our education programmes and property portfolio planning advice. With our deep knowledge and experience, we have assisted hundreds of clients build wealth through property investment.

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