Turn Your Home Equity into Investment Opportunities: A Comprehensive Guide
Home equity represents the portion of a property that an owner truly owns, calculated as the difference between the current market value of the home and the outstanding mortgage balance. This financial metric is crucial for homeowners, as it not only reflects their investment in the property but also serves […]
Understanding LVR Restrictions: Impact on First-Home Buyers and Investors in 2025
LVR, or Loan-to-Value Ratio, restrictions are regulations implemented by financial institutions and governments to limit the amount of money that can be borrowed for property purchases relative to the property’s value. These measures are designed to mitigate risks associated with high levels of mortgage lending and promote financial stability in […]
Reserve Bank OCR Slashed to 4.75%: Economic Impact and What It Means for NZ Homeowners
In a significant move that’s set to impact the New Zealand property market and broader economy, the Reserve Bank has cut the Official Cash Rate (OCR) by 50 basis points to 4.75%. This decision, announced on October 9, 2024, marks the second consecutive rate cut and signals a shift in […]
Impact of CCCFA law on New Zealand Market
HOW THE NEW LENDING LAWS CAN PROVE DIFFICULT FOR BORROWERS? A CLOSE STUDY Do you know what was baking in New Zealand Market last December? Nope, it’s not only the Christmas cake rather the new CCCFA law. Yes, you read it right. The amendments in the CCCFA legislation have thrown […]
Ashley Church: Four reasons to stick with Property Investment
If you’re a property investor, or have been thinking about getting into property investment, you could be excused for adopting a siege mentality over the past few weeks. The Governments ‘suite of measures’, released last month, on the back of claims that they would fix the housing market contained some […]