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Search results: John

Housing Market

Planning your Property Portfolio for your Retirement

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.

Housing Market

Slowing down a hot property market

Whilst low interest rates are a major catalyst for increasing house prices, it fundamentally comes down to a supply side issue that many countries haven’t solved, including New Zealand.

Housing Market

Housing and interest rate forecast for 2021

It’s around this time of the year that I take an educated guess at what will happen with house prices and mortgage rates. As I’ve said time and time again, the strongest correlation that exists is between house prices and interest rates.

Housing Market

Honeymoon offers and 1.99%; why it's important to look beyond the headline

If you’re familiar with us, you’ll know that at Squirrel we don’t like to pull punches so here goes. Heartland Bank came out with a staggering mortgage rate of 1.99% fixed for 1-year. Naturally everyone got excited, but what is it actually? Since then, no other banks have followed.

Financial planning

How to earn better returns by investing in residential mortgages

Earlier this year we launched our P2P Home Loans and Business Property Loans that give investors access to residential first mortgage investments with returns of up to 5% p.a. As interest rates have fallen, investors are looking for better returns.

Housing Market

Why property investors should consider refinancing

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.

Housing Market

Professional property investing when a home loan is no longer a home loan

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.

Housing Market

Stable house prices but falling apartment prices

As I've eluded to over the past few months, I've expected house prices to stay reasonably stable, especially entry-level properties. However, there will be pockets of the market that are hit harder, and one of the segments is apartments.

Housing Market

Buy first or sell first?

When you have established yourself on the proverbial property ladder you will at some point come to the decision to move house. But what comes first? Is it better to buy first and then sell, or the other way round? Here are the pros and cons to each of these scenarios.

Housing Market

Is now a good time to Invest in Property?

I think now is a good time to be at least looking, but take your time and make sure the numbers stack up. If you buy cash flow neutral in the right areas, irrespective of what happens with short-term house prices it will be an excellent long-term investment.

Housing Market

Growing your Portfolio with Non-Bank Options

Although banks are tightening access to credit and becoming harder to deal with, there are competitive non-bank options with rates as low as 3.40% that are worth considering.

Housing Market

Beyond 2020 | The next Housing Boom

After a short hiatus and a 5%-10% fall in house prices, I’m going out on a limb given the current market pessimism and predicting we will stretch into what might be the last great housing boom. Here's why.