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Type: Posts; User: Chelsea

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  1. Replies
    24
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    2,560

    It's a very good post. What will you do when...

    It's a very good post.
    What will you do when you achieved "Financial freedom"? Does financial freedom bring happiness?
    Three are lots of people on this forum could give you an answer but my answer...
  2. Replies
    4
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    635

    Will OCR drop again next year Feb 2020?

    My loan expires in beginning of Jan 2020, should I wait for next OCR review, which will be in 12th Feb (correct if I'm wrong), should I wait for next review?
    I think it's likely to drop again, your...
  3. thanks, I did overlook this, so technically I...

    thanks, I did overlook this, so technically I have no option but to install a heat pump.
  4. Why paying someone else while you can simply do...

    Why paying someone else while you can simply do the math?
  5. Good questions, the tenancy website states very...

    Good questions, the tenancy website states very clear,
    https://www.tenancy.govt.nz/heating-tool/guide/#id_1781764-whats-included-in-the-living-room

    In the tool, ‘living room’ means the whole...
  6. I'm actually thinking about putting a sliding...

    I'm actually thinking about putting a sliding door in between.
  7. Heating Standards for Healthy Home - how to define "main living room"

    If you have three open living area, 1. Living room (appx. 20 square m), 2. Open plant Kitchen (10 square m), 3 Dining area (10 square m).
    Per Healthy Home Standards the Heating Standards only...
  8. Replies
    15
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    2,393

    yes agree it's a huge loss but in 3 years I...

    yes agree it's a huge loss but in 3 years I should be able to turn the loss into gain.
    on a yearly basis I should be able to repay the loan by $100k (outside of monthly mortgage pmt and without...
  9. Replies
    15
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    2,393

    yes heard of loss ring fencing but didn't pay...

    yes heard of loss ring fencing but didn't pay much of attention as thought it won't pass, but look like it's going to?
    I do have other cash flow positive properties to offset the loss but won't be...
  10. Replies
    15
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    2,393

    do they all buy in Hamilton or other cities? 7%...

    do they all buy in Hamilton or other cities? 7% gross yield is a very good number, I'd think this is unachievable in Auckland?
  11. Replies
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    Thanks Ross, the purpose is really for capital...

    Thanks Ross, the purpose is really for capital gain in long term.
    Cashflow will end up in negative, in considering new properties (4 bedroom) in Huntington/Rototuna will be around $750k-800k, with...
  12. Replies
    15
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    2,393

    Investing in Hamilton? what's your thoughts?

    I know Hamilton property value rises probably 20%-30% between 2015 - 2018 , some people might think it's over-valued.
    Most of properties in North area e.g. Rotutuna, Hunting with 4 bedroom all sits...
  13. Replies
    11
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    1,617

    yes i missed this! thanks for pointing it out.

    yes i missed this! thanks for pointing it out.
  14. Replies
    11
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    1,617

    thank you all, you are all very helpful. :lol:

    thank you all, you are all very helpful. :lol:
  15. Replies
    11
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    1,617

    thanks Ross, so in your opinion, the $410k will...

    thanks Ross, so in your opinion, the $410k will all be deductible doesn't matter it secure against my personal property or rental property?
  16. Replies
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    1,617

    yes i am not too clear about this but based on...

    yes i am not too clear about this but based on what I heard, you can borrow up to 100% as per my above calcu for overall maximum loanable value.
  17. Replies
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    1,617

    Tax related mortgage interest

    Hi I have one question as above and appreciate if anyone can shed some lights.
    For example:

    I have a residential unit has a market value of $200k, it has a mortgage of $100k, so the maximum...
  18. DIY to transfer the Land/owndership- Manual Lodgement

    came here before to ask for help for manual lodgment to transfer the land, no body knows how, now I succeed and would like to share the experience.

    Background

    My parents own a small rental...
  19. not really, there is nothing difficulty & tricky,...

    not really, there is nothing difficulty & tricky, nothing has to be done by a lawyer for my case.
    you can do it as long as you understand English.

    if engage with lawyer, for Sell + purchase you...
  20. Replies
    4
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    4,509

    HI Boostin, thanks for your advice but you...

    HI Boostin, thanks for your advice but you actually don't need a lawyer for this.
    you can make Manual Lodgment to Land Information, see my another posts for this - Need help for Transfer of...
  21. Need help for Transfer of Ownership Manual Lodgment

    I knew someone did it before successfully but can’t get much details so come here for help.

    I have a rental property under my name, mortgage free, and want to transfer to LTC which I am the major...
  22. Replies
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    4,509

    thanks, appreciate your help. ;)

    thanks, appreciate your help. ;)
  23. Replies
    4
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    4,509

    Where to get "Sales and Purchase agreement"

    Hi wondering if anyone can help.
    I have a rental property under my name and recently set up a LTC (I am the major shareholder) and want to transfer the property to LTC.
    As the sales & purchase...
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