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New builds can be a great option for investors and first home buyers alike - and if you’re considering buying off plan, there are a few things to keep in mind to help you buy well.

Between recent legislative and bank policy changes, and the increasing likelihood of a recession, it looks like we should be hunkering down for a period of pretty significant uncertainty. So, how can property investors protect themselves in the current environment?

Caution is advised for property investors, as New Zealand starts to feel the impact of recent legislative and bank policy changes.

The Reserve Bank have recently invited people to make submissions on their proposal to introduce debt to income requirements which banks must apply to new borrowers.

The cult of personality is alive and well in the New Zealand property market with the next wave of self-styled property gurus. Now they're digital savvy and on social media.

We are now over five weeks down the track from the housing policy announcements of March 23. We still lack some certainty about things and perhaps that uncertainty helps explain some of the things we are seeing in the residential real estate market.

In this article I’m focusing on the idea of debt-to-income ratios. It is likely that they will be a key tool used by the Reserve Bank to meet its new house price stability objective.

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.

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?

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.

You may be noticing a significant amount of speculation around falling property prices in the press. After an 81% rise between 2008 and 2018, this growth could not continue, but should property investors be concerned? Let's look at the bigger picture and what we can expect further down the track.