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Type: Posts; User: LeanneS

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  1. Replies
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    I don't know what they are like in NZ but in the...

    I don't know what they are like in NZ but in the UK they are one of the best consumer banks to deal with. Especially if you have a 1M mortgage, I'd expect.

    As banks go I don't think they've been...
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    3,534

    ANZ didn't even lock in the current rate when I...

    ANZ didn't even lock in the current rate when I applied to fix! This was six months or so *after* the renewal.
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    7,441

    Fixing rates

    Thanks guys for your comments.

    I have a strong email trail but nothing where he confirms the rate I've asked for.

    Again I've given him documentation and he's found something else (in earlier...
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    7,441

    Can they do this?

    On the day of the last interest rate announcement (12 March) I approached my bank do a five year fixed rate interest only at 6.5%.

    So they asked for some documentation which I sent straight away....
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    This has gone on for years and is quite normal...

    This has gone on for years and is quite normal practice - almost institutionalised. Lenders started coming down quite heavlily on it about two years ago after some damning tv documentaries showing...
  6. I don't think it will affect house prices too...

    I don't think it will affect house prices too much directly, but I think it will have a stronger effect on the rental market as the transient population leaves earlier than they might have or doesn't...
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    People are very excited ...

    about the Olympics and its impact on East London.

    But then people have been excited about CrossRail and its impact on East London for years and CrossRail hasn't materialised yet.

    Its hard to...
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    I speak to a lot of investors in the UK and...

    I speak to a lot of investors in the UK and haven't heard much optimism for the local market for quite some time now. I'd agree this article is more a marketing ploy than an objective statement of...
  9. Thread: Opinz?

    by LeanneS
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    Hmm... these guys contacted us earlier in the...

    Hmm... these guys contacted us earlier in the year with a few questions about NZ, which we answered. We didn't hear anything back.

    I went to a property show in London recently to find them using...
  10. Borrowing in my father's name - how to get around tax issues

    My lender (and most of the other ones) have changed their rules so they no longer lend high LVR to non-resident New Zealanders like myself. This is going to leave me high and dry.

    My properties...
  11. It's not perfect (ie what if you're self employed...

    It's not perfect (ie what if you're self employed and your income fluctuates) but its a good thumb-in-the-air indicator.

    Most of my non-property friends are in their late twenties with a net worth...
  12. I thought that too - I spoke to someone at...

    I thought that too - I spoke to someone at Matthew Gilligan who said that if you own NZ property you are considered tax resident whether you live here or not, so for simplicity's sake its better to...
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    :-) Did you get a signed copy

    :-) Did you get a signed copy
  14. Replies
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    To all the people who have related bad...

    To all the people who have related bad experiences with property managers I would say that's a reflection on that property manager, not on having property managed altogether.

    My NZ properties are...
  15. Thread: New book out

    by LeanneS
    Replies
    3
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    1,175

    Hmm... a lot of American books are only relevant...

    Hmm... a lot of American books are only relevant to American markets - depends if he is talking about reading general trends (which would be relevant anywhere) or how to manipulate lenders etc....
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    Acquisition always takes more than you think -...

    Acquisition always takes more than you think - chasing lenders/lawyers getting everyone coordinated. And finding the deals in the first place!

    I have my properties managed, and I spend close to no...
  17. Thread: by Neil Jenman

    by LeanneS
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    2,182

    People have been saying this about the UK for at...

    People have been saying this about the UK for at least 3 years and no change yet
  18. Thread: Petrol Price.

    by LeanneS
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    1,671

    Everything is relative, though. I have a 2-bed...

    Everything is relative, though. I have a 2-bed flat in London let to students for NZ$3,124.36 per months (1075).

    :D
    Leanne
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    ... where investment meets entertainment :-) ...

    ... where investment meets entertainment :-)

    sounds like fun!
  20. But the flipside is the most ambitious...

    But the flipside is the most ambitious Aucklanders are no longer in New Zealand at all!

    It's common sense that if you are ambitious you will migrate to the cities - not just Auckland.

    Also a...
  21. Thread: Building an IP

    by LeanneS
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    5,249

    But I never sell! Don't like the sound of 50%...

    But I never sell!

    Don't like the sound of 50% LTV though :-(
  22. Thread: Building an IP

    by LeanneS
    Replies
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    5,249

    Going back to the vacant land question rather...

    Going back to the vacant land question rather than building a minor dwelling near an existing property - has anyone looked into the pricing of building a small block of flats instead?

    I realise...
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    Damn - I had a really good post planned but its...

    Damn - I had a really good post planned but its pretty much been said :-)

    The why is the most important as that will fill out the blanks of what/where/when. Start with the final goal in mind - if...
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    Hmmm... what put me off Tok is that I use the...

    Hmmm... what put me off Tok is that I use the Tenancy Services market info to show demand - it shows all the bonds lodged for a given area - and Tok had none.

    Do your tenants not lodge their bonds...
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    Why, Marc? Is it the 6 children or the parole...

    Why, Marc?

    Is it the 6 children or the parole officer?

    :lol:
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