Thinking about upsizing but unsure whether now is the right time? In a flat or softly declining property market, the maths can actually work in an upsizer’s favour – because the dollar saving on a more expensive purchase is typically larger than the reduction in your sale price. Threefold breaks down how the numbers work in New Zealand’s current market, what buyers need to know about negotiating power and mortgage readiness, and why being financially prepared matters more than timing the market perfectly.
With ANZ and TSB changing their policies to offer up to 10 years of interest-only repayments, many property investors are rethinking their loan strategy. Here’s how interest-only lending works and why it could strengthen your long-term investment plan. What is an interest-only loan? An interest-only loan means your repayments cover only the interest on your […]
Building a property portfolio is a proven way to create long-term wealth in New Zealand, offering the potential for both capital growth and passive income. However, securing lending for an investment property is different from buying your own home. Understanding deposit requirements, lending criteria, and the value of professional advice is essential for a successful […]
Making Property Investment Work for You Investing in property is often seen as a game for the wealthy, but it doesn’t have to be. With interest rates trending down and a stable property market, now is a great time to consider unlocking equity in your existing property and investing in your future. In New Zealand’s […]
Unlock the Power of Your Home to Invest in More Property As house prices continue to appreciate, your property may offer you more than a place to live. Instead with the equity you’ve built up over the years, you may have a powerful tool for wealth creation at your fingertips. By leveraging the equity in […]
Understanding the Changes to Debt to Income Ratios A debt to income (DTI) ratio is a metric used by lenders to assess a borrower’s ability to manage monthly debt payments and repay a mortgage. It is commonly used in many overseas markets, but it a new metric in New Zealand. The DTI is calculated by […]
