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Most of us store a large part of our wealth in property. It could be in our owner-occupied home, a holiday house or an investment portfolio. And a large number of property owners are starting to head towards retirement.

There are numerous reasons to regularly review your mortgages and make sure you still have the right overall solution for your lending. Part of that includes not putting all your eggs in one basket, and splitting your lending across different banks to avoid sticky situations.

As a general rule of thumb, any property investor who has at least six rental properties is viewed as a "professional" property investor through the eyes of the bank. And the way these investors are treated by the banks is markedly different to someone whose main income is not from property.

There could be emerging opportunities for investors in the current market, but to take advantage of them you need to be reviewing your existing portfolio now.

There’s no doubt that there will be some good buying opportunities over the next twelve months. To make the most of them you will need to be cashed up and ready to pounce. It’s about having the confidence, knowing you can land the deal, but also not misreading your lenders and their lack of appetite for risk.

More than ever, the current economic crisis has highlighted the importance of (1) having a clear investment strategy and (2) managing your risks. What does your risk management strategy look like? What happens if your tenants cannot pay the rent? What happens if you sell a property and the bank keeps all of the sales proceeds?

Business banking can be tricky. Depending on the bank and the bank manager you’re dealing with it can be as straight forward as a personal transaction, or it can feel like you’re being put on trial for a crime you didn’t commit.

Property development carries with it many risks and currently it’s perhaps the most difficult market to find finance. Often, I find clients who haven’t exercised much patience and as a result can find themselves in a pickle.

For the last while we’ve been grappling with ever tightening rules on interest-only for investors, and that’s just the beginning of the hurdles. Servicing is getting stricter and investors are having to jump through a few hoops to keep the banks happy.

Over the last 12 months there has been a huge influx of investors into the Commercial Property market. Those chasing yield are shifting towards it because it historically gives you a better bang for your buck than residential property. We see plenty of investors who don't fully understand the finance side of these investments, so here's our advice.

The Hayne Report was released in Australia recently, and brought about some stern recommendations for the lending sector. The standards have been put in place for the best interests of New Zealanders, however, like anything that is done by the government, they can often carry unforeseen circumstances. Let's take a look at how property investors could be affected.

We're covering off some quick things to look out for when doing a development so you don’t get caught high and dry. I'll talk GST, development costs, two key ratios and second tier lenders.