Creating passive income toward Retirement

  The current Super Annuation payment is nothing flash and does not give the majority of us the lifestyle choices that we would like and are used to. Many more retirees are now ‘choosing’ to work longer and take on extra jobs because of financial pressures. Those in their 60’s are getting used to the […]

Is it still possible to buy a home with a 10% deposit?

  It would be very easy to listen to the news media and think that because finance has tightened up that it is almost impossible to get into your first home. After all, 20% deposit is a large chunk of money to save especially if the house you would like to buy is in the […]

80% loan to value lending restrictions

  80% lending restrictions December 2013 News The introduction of the loan to value ratio limits on mortgages (LVR’s) by the Reserve Bank on the 1st October 2013 has been a very controversial introduction to policy. There was a surge in house sales from the time that the new policy was made public as coming […]

How do I find a suitable property?

The one basic ‘non-negotiable’ skill you must develop to successfully find great property is to know a good deal when you do find it. Most people, don’t understand the power of research and the need for some effort and efficient action to succeed in investing. Second to negotiating skills is getting to know an area […]

Recreating your financial position after a divorce

  It happens so often where a couple who have worked hard to establish themselves in a strong financial position, end up getting divorced. What looked like a bright future financially has suddenly been halved. Often there is more of a financial strain on either party in needing to support the previous partner. Where to […]

24 Ways to find motivated sellers

  Here are 24 ways of many more. 1. Place a newspaper ad (major daily) 2. Place an advert on Trade me. 3. Bandit signs 4. Drive neighborhoods looking for vacant houses 5. Call private sale adverts 6. Talk to local real estate agents about expired listings 7. Contact landlords who are evicting a tenant […]

6 things I wish I had known when I started investing in real estate

If you’d known then what you know now, what would you do differently? Here is a 6 part answer to this question which cuts to the core of the essential lessons of a lifetime of investing. 1. It’s never about the property! We get told that the most critical thing is about the condition and […]

5 Ways to add value to your property

Adding value to your property means that you will be able to apply to the bank to top up your mortgage which in turn creates a deposit to purchase another property. If you are not ready to purchase then the extra funds can sit in a revolving credit facility so that there is no cost […]

Sellers Hold the Power

It is the sellers who hold the power as the market returns. It is the sellers who hold the power as the market returns. For the first time in more than four years, the  BNZ-REINZ Residential Market Survey provides solid evidence that conditions are shifting more towards being a sellers ’ market. A recorded net […]

To fix or not to fix

It is tempting to leave all borrowings on floating, waiting for the “low point”. However, that point may be very hard to pick with so many variables. Our rates are also dependent on overseas events and no one, including the economists can accurately predict the events that could happen. Rather than try and predict the bottom of […]

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