Category: Property Investors

Jones on Property (1977) by Sir Bob Jones

TLDR – should you read this book? No, but I loved it. If you want to get into commercial or industrial investing it’s worth picking up. If you’re a residential property investor, looking for hacks or tricks from near billionaire Sir Bob Jones, this book is not the magic pill to help you on that… Read more »

Book Club – The Barefoot Investor

TRANSCRIPTION Now, we’re going to have a quick look at one of my favorite books on the subject of debt and how to get some financial freedom. And it’s actually written by an Australian guy, The Barefoot Investor. It’s pretty popular. It, at least, has sold a couple of hundred thousand copies in Aussie. And… Read more »

Book Club – Property 101

 Property 101: A Guide to Investing in New Zealand with a Focus on Auckland. By Mathew Gilligan TRANSCRIPTION Let’s have a quick look at what my favorite property investment book in New Zealand is. It’s Property 101. It’s written by one of the owners of GRA, Matthew Gilligan. Their firm’s got over 5,000 clients,… Read more »

iRefi Insider School – Exit Strategies

TRANSCRIPTION Property investors should sell sometimes. You need an exit strategy. Maybe you’ve been building up your portfolio for 10, 20, 30 years even, and you feel like you’re starting to get some real good traction on building up a base of cash flow producing properties. But what you might still be feeling, even though… Read more »

iRefi Insider School – Mindset

TRANSCRIPTION The Mindset for Building an Investment Property Portfolio Okay. So today we’re going to talk about what I think is the most important thing for successful property investing. So I probably have spoken to well over 1500 property investors in the last 3 years in detail, and the thing that I constantly pick up… Read more »

Mortgage Minute – Making Mortgage Interest Tax Deductible

TRANSCRIPTION Is Mortgage Interest Tax Deductible? AGenerally speaking, only if they’re investment properties and only if it’s set up properly. Probably, in most cases, you’ll be using a property accountant to really make sure that you’re taking advantage of it. So, you won’t get the tax advantages on your family home, but you will get… Read more »

Mortgage Minute – Why Interest Only Loans

TRANSCRIPTION Why use an interest only mortgage Looking at interest only loans and why people do it, well, one of the main reasons is property investors are not always focused on paying down debt on all of their properties. They want to focus on just one property at a time. Usually, the property that’s going… Read more »

Mortgage Minute – non bank lenders

TRANSCRIPTION Mortgages with non-bank lenders If you’re looking for a mortgage without income proof, or your financials don’t show that you’ve had strong income for a long period of time, maybe you’ve started a new business or you’ve switched businesses, what you’re probably going to need to use is a…it’s called a non-bank, or a… Read more »

Mortgage Minute – Cross Securitisation

 TRANSCRIPTION Mortgage Cross Securitisation If you heard the term cross-security, or cross-collateral, or cross-securitization, what it generally implies is that you’ve got multiple access to three, or four, or five, six properties. And what the bank has done is combine them into a package and they’re treating your loan as one loan against a… Read more »

Mortgage Minute – Capital Gains

TRANSCRIPTION Capital gains. When you’re talking about property prices, a lot of people are referring to what the property prices have done in the past, and what are they going to do in the future. And capital gains refers to the increase in the value of the property over time and their predicted increase in… Read more »

Mortgage Minute – LTC

TRANSCRIPTION LTC’s in 60 seconds Property investors often use an LTC, which is officially know as a Look Through Company. Why? well, there are a couple of different reasons. Firstly, you want to be looking at your TAX advantages, especially if you’re using negative gearing or you’ve got multiple properties in the mix, you want… Read more »

iRefi Insider School – Interest Rates

  Let’s talk about mortgage interest rates.   So, maybe your refix is coming up, or you’re going to buy a new property, or you’re keen to see what the interest rates are for mortgages at the moment. Well, what you got to understand is the rates that are on interest.co.nz, or Mortgage rates, or… Read more »

iRefi Insider School – The Mindset Shift you need

TRANSCRIPTION Okay. So today we’re going to talk about what I think is the most important thing for successful property investing. So I probably have spoken to well over 1500 property investors in the last 3 years in detail, and the thing that I constantly pick up from the people that are doing quite well… Read more »

iRefi Insider School – The Biggest Risk Facing Investors Today

TRANSCRIPTION The least sexy thing about property investing is probably one of the most important. Couple of friends and I were having a chat after one of my good friends got married on the weekend. And they both own property and they’ll ask me, “Hey, what’s sort of biggest risk you see at the moment… Read more »

iRefi Insider School – Utilising an Offset Mortgage

TRANSCRIPTION Let’s have a quick look at offset mortgages. So, with a normal mortgage, what you’re doing is paying interest on the whole loan amount. So, let’s say that you’ve got 500K of mortgage and what you’ve got is 200K of savings. So, this is your loan amount, this is how much you’ve got in… Read more »

iRefi Insider School – Investing with Family Friends

TRANSCRIPTION Buying property with family and friends If you’d like to keep investing in more property and you’re thinking you might want to do it with another person or a few other people because your income’s capped or you’d like a bit of help, you want to branch out of just investing on your own,… Read more »

iRefi Insider School – Interest Only Lending

TRANSCRIPTION Interest-only mortgages for investment properties So let’s talk about interest-only lending. Now, generally speaking, interest-only lending is for investment properties. In New Zealand, most banks are not that keen on lending for your family home on interest only. So what interest-only is, is, let’s say, you have a million dollar mortgage, your interest rate… Read more »

How Professional Investors do Due Diligence on Property Deals

TRANSCRIPTION Due Diligence Clauses for Real Estate You might have heard people talk about due diligence when they’re trying to sound smart about like assisting a deal. “Hey, I need to do my due diligence.” But let’s dive into what does that actually mean in a property context. So, if you want to get a… Read more »

LVR mortgage rules for property investors

TRANSCRIPTION LVR Rules and LVR Restrictions One of the most common questions we get is trying to understand what the LVR and what LVR restrictions are and your usable equity. So, what is LVR? Well, it’s a Loan-to-Valuation Ratio. So, it sounds confusing, but basically, it’s the amount of loan you have on the value… Read more »

How to become a ‘Property Investor’

Wealth and Freedom are ultimately the most important goals most Kiwis aspire to achieve. Whether you’re looking to retire early, have more income and time to spend travelling, or leave a legacy for your kids, property investment is great way to make your dreams a reality. Aside from being a tangible investment, property is a… Read more »