The Biggest Risk Facing Investors Today

The least sexy thing about property investing is probably one of the most important. A couple of friends and I were having a chat after one of my good friends got married on the weekend. And they both own property and they’ll ask me, “Hey, what’s sort of biggest risk you see at the moment […]

23 Tips For Property Investors Who Want To Maximise Borrowing and Savings

If you’re a property investor looking to maximise your property and mortgage savings this is information for you. Many property investors do not take advantage of cash back incentives from banks, they often miss out on the lowest interest rates available, and have NOT been told about their options with property ownership for tax efficiencies. […]

Rapid portfolio building

You’ve heard the stories.”I built a 10 property portfolio in 17 months…”To build that fast. You need. Infinite Growth. To rapidly build a portfolio requires a specific lending environment. Perhaps you’ve thought, “that was possible back then. But not now”. During recent years – it has been extremely difficult to establish or grow property portfolios […]

Making Mortgage Interest Tax-Deductible

AGenerally speaking, only if they’re investment properties and only if it’s set up properly. Probably, in most cases, you’ll be using a property accountant to really make sure that you’re taking advantage of it. So, you won’t get the tax advantages on your family home, but you will get tax deductible expenses for the interest […]

LTC (Look through company)

LTC’s in 60 seconds Property investors often use an LTC, which is officially know as a Look Through Company. Why? well, there are a couple of different reasons. Firstly, you want to be looking at your TAX advantages, especially if you’re using negative gearing or you’ve got multiple properties in the mix, you want to […]

Mortgage Tips for Self Employed

How to get a mortgage with a main bank if you are self-employed Some people think, “Hey, I’m self-employed. It’s really hard for me to get a mortgage.” Well, it’s actually not. There’s a lot of small businesses in New Zealand. You know, New Zealand is made up of small business owners and it doesn’t […]

10 steps to help you navigate the home buying process

When buying your first home, you’re often bombarded with opinions from friends and family who’ve done it before. They’ve added small amounts to your knowledge base, but we find our clients are often left with a wide range of questions and not nearly enough context to confidently approach the home-buying process. We’ve put together an […]

Reduce property ownership costs

Reduce your council rates bill. Reduce what you pay to the bank. Reduce your insurance costs. Reduce your maintenance costs. How to Reduce your Auckland Council Rates Bill Council rates are a tax every property owner has to pay, it is made up of three components: a Uniform Annual General Charge – UAGC (fixed charge) […]

The Bright Line Test

The bright-line rule in New Zealand for residential property is very straightforward. It says you’ll pay tax when you buy and sell a residential property within five years unless an exception applies. New Zealand does not have a capital gains tax, but we do have an income tax. If the ird classifies you as buying and selling […]

Rental Yield Calculator

Every property investor worth their weight in salt has a tried and trusty spreadsheet for calculating rental yields. But, chances are the one you are using doesn’t calculate four different yields, and doesn’t look as pretty as this one. So if you want the best rental yield calculator use ours – it is part of our […]

Residential Tenancy Agreement Forms (RTA)

A Tenancy Agreement is a legal contract so please be wary before entering into one. You would be wise to consult your lawyer. If you do want to do it yourself here are a few things to be aware of, and a selection of template forms you can use. To learn more about property investing […]

Utilising expert advisors

Choosing a property investment adviser When planning your property investment journey, whether you are still on the hunt for your first house, or deciding how to structure your property portfolio of 10+ properties, it is important to work with an adviser that meets these criteria: Finance and serviceability calculators at ALL lenders and access to […]

Exit Strategies

Property investors should sell sometimes. Maybe you’ve been building up your portfolio for 10, 20, 30 years even, and you feel like you’re starting to get some real good traction on building up a base of cash flow producing properties. But what you might still be feeling, even though you’re earning a lot of money […]

Book Club – Rich Dad, Poor Dad

Rich Dad, Poor Dad by Robert Kiyosaki. A book review and summary. So today, we’re going to have a quick look at the book Rich Dad Poor Dad. It’s an incredibly famous book and it’s always top of the charts on Amazon when it comes to personal development and building wealth and it’s a really good […]

Book Club – Property 101

Property 101: A Guide to Investing in New Zealand with a Focus on Auckland. By Mathew Gilligan Let’s have a quick look at what my favorite property investment book in New Zealand is. It’s Property 101. It’s written by one of the owners of GRA, Matthew Gilligan. Their firm’s got over 5,000 clients, mostly property investors. So […]

Book Review: 20 Rental Properties in One Year, by Graeme Fowler

Having bought and sold hundreds of properties, it is clear that Graeme knows what he is talking about with property investing. In this book (he has written a few) Graeme treats us to the simplicity and effectiveness of his investing style when he is looking to buy and hold instead of trading or flipping. Not including the trading properties […]