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Housing Market

Market update: Year-end brings mixed bag for borrowers and buyers, at the mercy of new lending restrictions

As 2021 draws to a close, it looks as though we may finally be starting to see that long-anticipated easing of the housing market come to fruition.

Housing Market

Government law change will cause more harm than good for homeowners

Sign JB's petition. The Government has made changes to responsible lending laws to protect vulnerable borrowers, but they have used a sledge hammer instead of a scalpel. This is an example of over reach, and will cause far greater harm to Kiwi homeowners and small businesses than it will protect vulnerable borrowers.

Financial planning

Peer-to-peer lending: How we protect investors from credit losses

One of the things that makes our peer-to-peer lending platform unique is our use of reserve funds for credit risk management. Reserve funds exist to protect investors from future expected credit losses.

Financial planning

Property Investment Planning - New Risks on the Horizon

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.

Housing Market

How responsible lending may affect property investors

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.