Helping to share the web since 1996
Jake Mclachlan
@JakeMclachlan
The mortgage is the most significant expense in any investment property. While many investors will use an interest-only mortgage – where the principal doesn't go down – others will prepare to use a standard principal and interest mortgage. You can calculate what your payment would be for a principal and interest mortgage using the above mortgage calculator, or use the interest-only mortgage calculator if you're an investor wanting to see the interest payments you'd make using an interest-only mortgage.
View Review Page →Introduction to this Property Investment Guide If you want to learn about property investment in New Zealand - this is the guide for you. What you are about to read is the most comprehensive, useful, and completely-free resource in the country that teaches you how to invest in property. It is also a living article. It gets updated constantly and over time we’ll develop it even further so it’s even more comprehensive and interactive. This means adding more videos, updating calculators, including images, and deep-diving into topics. We do this for you; this is your resource, so whenever you have a question along your investment journey you can refer back to this guide. Here's a quick video from Ed, one of the guide's co-authors, introducing what you'll learn here:
View Review Page →Which Auckland Suburbs Grow in Value The Fastest? This map lets you find out for yourself. Double click on the map below to zoom in and explore different suburbs. Each area represents a different suburb, and the colour of the area represents how quickly house prices have increased over the past 20+ years. The redder the area ... the quicker house prices have grown in that suburb.
View Review Page →The Interest Only Mortgage Calculator Property investors love an interest-only loan. A whopping 40% of investors utilise them, compared to a mere 0.5% of owner-occupiers. But interest-only loans, while cheaper in the short term, are much more expensive over their lifetime. In this article, you’ll learn why seasoned property investors find interest-only loans so appealing and you’ll be able to use our Interest-Only Mortgage Calculator to see how one could work for you.
View Review Page →What Are the LVR Restrictions? Property investors and homebuyers need to understand Loan to Value Ratio restrictions (LVRs). That’s because these rules dictate how much a bank can lend you for a property. They are set by the Reserve Bank of New Zealand, the government organisation that makes the rules for all commercial banks (like ASB, BNZ, ANZ and Westpac). Let’s go through an example to see what we mean. Say that a bank can only lend you up to 60% of a property's purchase price. That’s the LVR restriction. But the flip side of that is – if the bank will only lend you 60% of the money for a property – you'll need to come up with the other 40% as a deposit. Therefore LVRs set how much of a deposit that you need to purchase a property.
View Review Page →
