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5 Common Mortgage Mistakes

By Ryan Smuts on October 31st, 2019.

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As mortgage advisers we often see clients in situations where they have gotten themselves into debt and aren’t always managing things in the most effective ways, and this includes first-home buyers and also property investors.

 

The most common mortgage mistakes we see are as follows:
 

Tax Working Group - Final Report

By Matthew Gilligan on March 26th, 2019.

The Tax Working Group’s final report has been issued, and I give a quick assessment of the main points below. However, bear in mind that what the TWG have recommended and what Labour actually implement, are likely to be completely different.

Capital Gains Tax (CGT): Unsurprisingly, the TWG has recommended that a capital gains tax be implemented. Although there was disagreement amongst the members of the group, the majority are advocating that CGT apply to.....


 
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How to Invest your Money when you are not a High Income Earner

By Ryan Smuts on May 24th, 2018.

I was always taught in relation to saving and investing that it is not the amount that counts, it’s where you put it – it’s allocation. Time is an investor’s best friend, and understanding the power of compounding interest, and other minor tricks can be the difference in turning a little into a lot. The median wage in NZ when annualized ends up being about $49,900, take away student loan payments and Kiwisaver, add rising rents, potential other debt (credit cards, HP’s, etc.), and this can be a heavy load to carry for an individual already, let alone trying to spare cash for savings and investments – which in many cases, the low risk ones such as bank savings rates aren’t even keeping up with inflation! What do you do?

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