One of the biggest points of confusion for homebuyers - especially first home buyers - is the word “deposit.” One thing that catches a lot of buyers out is that there are actually two different types of deposits involved when purchasing a property.
If you're building a property portfolio in New Zealand, Loan-to-Value Ratio (LVR) restrictions are something you'll come up against at every
step. Set by the RBNZ, they cap how much banks can lend relative to a property's value — and they hit investors harder than owner-occupiers.
Below, we walk through the rules, the key exemptions, and a worked example.
1. What Is an LVR?
2. How LVR Is Calculated Across a Portfolio
3. Key Exemptions to LVR Restrictions
4. Case Study: Adding a Third Property
5. Scenario Comparison: 70% vs 80% LVR
6. Key Takeaways for Portfolio Investors
Inflation was forecast to ease. Then came the Iran oil shock — and now rate hikes are back on the table as early as December 2026.
On 12 May, Salesh Chand from GRA hosted Kris Pedersen and Than Sundar to talk through what that means for your mortgage, your
portfolio, and your next move.
Here are the key takeaways from the webinar........
Love Your Location…But Outgrown Your Home?
Not every homeowner needs to move, to move forward.
I’ve been having more conversations lately with clients in this exact position:
They love where they live.
The kids are settled.
The community feels like home.
But the house itself? It’s no longer working.
And that leads to the big question…