Search results: John Bolton

Housing Market

Mortgage rates on the rise

The world has been printing money for several years, in anticipation of inflation and interest rates eventually rising. Neither of those happened. But the short-term has changed.

Financial planning

The Mother of all Bubbles

We are so fixated with property that talk of any kind of bubble quickly turns the conversation to housing. I’m going somewhere else. History is a great teacher.

Financial planning

Investing in Residential Mortgages

At Squirrel, we're known as one of the largest mortgage brokers in New Zealand. But what you might not know is that we are also a lender, which means we can make a portion of those loans available as investments for retail investors. This gives investors better opportunities for their cash funds.

Housing Market

Property spruikers and spin

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.

Housing Market

Developers, drug dealers and money

Investing money with property developers is risky. In this post we talk about how risky it is and ask how it can even happen.

Housing Market

House price stability and interest rates

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.

Housing Market

Government policy, interest rates and house prices

This post will start with a little rant and then progress into trying to understand the downstream impacts of a big week for the housing market. Just in case you were under a rock this week, the government announced a major change in housing tax policy.

Housing Market

What’s happening to Mortgage Rates?

It’s just a little bit odd at the moment trying to make sense of mortgage rates. The mortgage rate signals that borrowers are receiving are somewhat confusing.

Housing Market

How to manage 60% - 70% LVR restrictions for property investors

In March the Reserve Bank will reimplement LVR (loan-to-value ratio) restrictions on property investors. This will mean lending for investment properties will be required to have a 70% or possibly 60% loan-to-value ratio.

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.