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Type: Posts; User: Don't believe the Hype

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  1. Replies
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    Yesterday I was informed that ASB will be...

    Yesterday I was informed that ASB will be lowering their serviceability testing level... no confirmation on the new testing level or other banks intentions but if one does it the others are likely to...
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    3 months on from the below and hey what a ride...

    3 months on from the below and hey what a ride the world has been on...

    Here in P-town things seem to be settling down... 49 rental listings which is higher than most of 2019 but we occasionally...
  3. What happens when I replace this in 10 yrs... if...

    What happens when I replace this in 10 yrs... if it was on the asset register then depreciated 100% it's easy to prove the replacement is R&M. Fast forward 10 yrs... in 2030 when i'm doing my yr end...
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    I agree with your timeframe... what worries me...

    I agree with your timeframe... what worries me with regard to long term rates is that going towards that time long term rates will be low... at the bottom the long term rates will start to head...
  5. Dec 17 3br unit selling for $380k... Mar20 same...

    Dec 17 3br unit selling for $380k... Mar20 same unit sold for $480k up 26% in 2.5 yrs... strong growth off what I thought was a high price.
  6. Replies
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    I believe that the long term rates will start to...

    I believe that the long term rates will start to ramp up as soon as we see any sign of green shoots. By July 2021 while the OCR may well be low the 5 yr rate could be starting to climb.

    I will be...
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    If my current bank asked me for a quote from any...

    If my current bank asked me for a quote from any other bank in order to match I'd simply tell them that if I go to the effort of getting approval from another bank and all you as my current bank will...
  8. What in the list you posted can your PM not...

    What in the list you posted can your PM not identify on a normal inspection?

    No need for a formal report from a 3rd party.
  9. 5 years is not really a buy and hold period... ...

    5 years is not really a buy and hold period...

    by saying your horizon is 5 yrs then you're not looking for a yield play you're likely to be chasing a capital gain.

    I think you need to get...
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    Sorry for that dose of reality... in essence...

    Sorry for that dose of reality... in essence behind all the glossy photos and symbolism of success is a whole lot of risk... at least the risk is being rewarded with a return far beyond the risk free...
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    The one bank trap you refer to is is more to do...

    The one bank trap you refer to is is more to do with cross collateralize security. The bank will secure your new loan against all held properties... this only really becomes a problem when you go to...
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    Didn't the guy behind Du Val go broke in the...

    Didn't the guy behind Du Val go broke in the GFC... an all in ego driven guy who plays big and takes risks with someone else's funds??
  13. Replies
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    The whole post was long but well worth a read......

    The whole post was long but well worth a read... especially for this last line!!
  14. Replies
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    Eleven days ago I was hopeful of sub 3% for 5 yrs...

    Eleven days ago I was hopeful of sub 3% for 5 yrs by Xmas... I guess Xmas has come early!!

    BNZ 2.99% out to 5 yrs
    ...
  15. How might you do that?

    How might you do that?
  16. Replies
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    you can break the fixed loan for a fee - ask your...

    you can break the fixed loan for a fee - ask your bank for the cost then you can benefit from the new low rates - this may or may not be beneficial you'll have to do the math
  17. Manpower will probably be plentiful ... materials...

    Manpower will probably be plentiful ... materials might be in short supply.

    While they seem to have a short memory on their Kiwibuild disaster 8000 houses over 5 years is far more achievable -...
  18. Replies
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    Spot on Nick but somehow that is considered a bad...

    Spot on Nick but somehow that is considered a bad thing or comes with a negative sentiment

    Put another way those good at (or who have a propensity to) doing something get better at it an...
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    Prediction from interest . co . nz late yesterday...

    Prediction from interest . co . nz late yesterday

    https://www.interest.co.nz/personal-finance/104999/it-becoming-2-world-home-loan-world-markets-and-regulators-actively-open
  20. Replies
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    1,094,887

    Westpac just moved their 4 yr carded rate to...

    Westpac just moved their 4 yr carded rate to 3.49% and their 5yr rate to 3.59%

    I wonder if we'll see a 3% 5yr rate by Xmas?


    There is room to move with just a quick look the Australian 5yr...
  21. The stupidity of the herd has surprised me more...

    The stupidity of the herd has surprised me more than I thought it would.

    Given the lack of any real national news the reporting is an ongoing series of vested interest groups telling their story...
  22. I doubt any wave of distressed sellers will come...

    I doubt any wave of distressed sellers will come before 6 months... we have
    > 13 wk wage subsidy meaning tenants can pay rent (at least partially) through to July before the business they used to...
  23. Replies
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    In that range - depending on the size of your...

    In that range - depending on the size of your lending maybe even a bit lower.

    I agree the rate is very tempting and makes a cheap insurance policy against the chance of high inflation out the...
  24. Replies
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    In a discussion this week with one of my banks...

    In a discussion this week with one of my banks the difference between the 1yr rate and the 5 yr rate offered was only 0.3pts this would be a fair indication that the banks think rates are staying low...
  25. One of the down sides of owning property is the...

    One of the down sides of owning property is the illiquid nature of the investment - this is not new news. However not being able to trade a few bricks for a loaf of bread doesn't mean the increase...
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