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Type: Posts; User: Bluekiwi
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I have a small amount fixed at 6.85 for another 2 years I think.
At the time that was a fantastic rate to get.
Interesting times, that can do only one thing for property.
Jeremy was very good bank manager but now he has gone off the front line into management, the other good contact I had, Chris Lukar has gone into branch manager position.
By crikey this is an...
BNZ still cant advise whether surplus cash can be off-set against a "Fixed Mortgage".
As I can see this offset mortgage being dicked around with, if you made a bad move and fixed something too high,...
I read that, but what does that actually mean, sounds like Rubbish.
I emailed Jeremy who is on the other link about property specialists and he said that is old information and they are updating the...
Jeremy in that team I know and have used before, he is very good, I have just emailed him to see if this will work for me.
Sometime you just have to catch them at that time of the year that the...
What is total cost of purchase and reno.
Interested in yield at end of this.
And I will add in 20k for the labour you used.
Of course, you could have spent all that time Gary looking...
The Judge has spoken, thanks Judge.
I had a heated and confusing argument with some English pratt at BNZ about that.
Some years ago.
Basically it was a no go, but I have no idea why.
Maybe I couldn't do "offset loan" due to how I...
Could you explain a bit more about how this offset loan works.
I would love to get one going with my 2 main banks but both ASB and BNZ say they don't do it.
If I had say as an example:
I negotiated a $600 saving :(
But worth making my bank manager ask her boss.
544k for 3 years at 4.45
Negotiated .04 off their special rate of 4.49
I am using that as part of my trading...
Get in on those cash backs as much as you can now, as I heard they are on the way out from most banks.
US jobs on an upswing, Fed potentially moving, does this mean long term rates start edging higher.
If OCR dips in December, this combo could steepen the curve.
I was at bank yesterday, buying 2 houses, and there was a Chinese man in their trying to get a bank account.
He was talking to bank staff and on telephone to an agent as well.
And the gist of it...
Nice chap with a female voice in an orange shirt bought a Sunny Nook property on Saturday.
Paid 983k for it, I was the last of the Europeans at 850k.
School Zoning is pushing houses up by the...
Dropped round to open home since I was doing open homes, the agent will ask the owner.
But it looks like it was done when house was built, or in tandem with railing on the deck, so maybe not a...
The agent is a bit arrogant, one of the top ones on the shore, she doesn't need to be nice to anyone and likely cant be bothered finding out.
Yeah I thought it was Archgola but its not and they don't know who made it.
I have been looking for a long time.
I have a large area 8m by 8m, so I am expecting it to cost a lot.
But our south...
I am getting 544k of that at the moment.
4.49% for 3 years, hard to see anyone going wrong with that.
I am going to see if they can beat that special for me.
Sometimes a special is just a flat...
And you would have had the cash flow to get the finance to do, and not be negatively geared.
My own strategy is different to others, I don't aim right now to earn a living from rentals, I just...
Tony A thinks we are in for at least a decade of low interest rates.
This structural shift in rates is massive for property.
I had been anticipating having to cope with 8 to 9% rates about now.
There are many ways to achieve your goal in property and many people who are experts in their field or experts in their own mind.
I take the approach that I learn as much as I can from everyone and...
Nice use of color.
I am thinking the solution to not getting finance for property in the future.
Is to buy as much as possible now, then sell a chunk of it off in x years, and not need finance.
Thought I would start a thread on good and neat clauses that can be used out there.
Good learning, and maybe some people have some brilliant idea's.
Have people got some nice clauses relating...