INFO FOR NEW INVESTORS

INFO FOR NEW INVESTORS. Common questions if you are new to property investment. So you’ve bought an investment property. Now what? 

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AML/CFT

AML-CFT

WHAT IS AML/CFT? The Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT Act) places obligations on many entities

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RENTAL PROPERTY: WHAT RECORDS DO YOU NEED TO KEEP?

Income Tax

What records do you need to keep for your rental* property? Here is a general guide. Note that this list assumes you are using a property manager.  All costs are for the 12 months preceding 31 March:​RENTAL PROPERTY Copy of Sale & Purchase Agreement (if 1st year)Total Rent ReceivedInsurances, e.g. Landlord Protection, Mortgage Protection, HouseLegal feesProperty Management fees (if applicable)Rates – water and CouncilMaintenance, including any purchases e.g. heat-pumpRubbis […]

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WHAT BUSINESS EXPENSES ARE TAX-DEDUCTIBLE?

model house vs coins

What business expenses can you deduct in your income tax return? It depends on your business structure, but includes things such as:ACC leviesaccounting feesbank chargescontractor costsdepreciation (wear and tear)entertainment (be careful!)home office expenseslease or rental costslegal feesmotor vehicle expenses e.g. WOF, registration, repairs, insurance, FBTpurchases (for business purposes e.g. stock, materials)travel e.g. fuel, parking, business travelstationery, printing and office costs […]

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COVID-19 BUSINESS & TAX SUPPORT

Income Tax

​If you are unable to pay this tax on time because of the effect of COVID-19 on your business, IRD expect that you will pay this tax as soon as practicable. In such cases our recommendation is that you contact IRD now to let them know you can’t pay the tax on time and negotiate a payment plan. 

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LOAN/ MORTGAGE OPTIONS COVID-19

stress

It’s not really a “holiday”, but rather a “payment deferral.” How does it work? While you don’t have to make payments during the mortgage holiday, you still get charged interest. What’s that going to cost? Well, it could be significant.

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