Investments Archives - EPSOMTAX.COM - Property Accountants, Auckland

INTEREST RATE CUTS NEW ZEALAND IN NEXT 6 MONTHS

Garreth Collard, Senior Property Accountant — Tue, 06 Oct 2026 18:47:47 +0000

Interest rate cuts in New Zealand in next 6 months: how likely is that? 18 months ago the answer looked simple: rates were falling and everyone expected them to keep falling. That story changed in July 2026, when the Reserve Bank raised the Official Cash Rate for the first time in over two years. If…

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RENTAL PROPERTY OR SHARES: WHICH IS BETTER FOR NZ INVESTORS?

Garreth Collard, Senior Property Accountant — Fri, 28 Aug 2026 22:00:33 +0000

Rental property or shares: which is better for NZ investors? There has been a lot of debate recently about whether one is better than the other. So how can you decide? Should you do one or the other? Or both? We examine the advantages and disadvantages of each. Scroll down for a case-study that might…

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ARE REPAIRS TO MY RENTAL PROPERTY TAX DEDUCTIBLE?

Garreth Collard, Senior Property Accountant — Thu, 06 Aug 2026 17:49:26 +0000

Are repairs to my rental property tax deductible? It’s a question nearly every landlord asks at some point – usually right after a tenant calls about a leaking roof or a rotten deck. The honest answer has always been “it depends,” but Inland Revenue has just made it a lot clearer exactly what it depends…

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ARE SHARES TAXABLE INCOME?

Garreth Collard, Senior Property Accountant — Tue, 28 Jul 2026 19:02:14 +0000

Are shares taxable income? It’s something that many New Zealand investors ask. The answer depends on how you acquired the shares, what income the shares produce, and why you hold them. (If you’re weighing shares against a rental property purchase, see our comparison here.) A common misconception is that every gain from shares is taxable.…

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WHEN CAN LAND SALES BE TAXED AS A PROFIT-MAKING SCHEME?

Garreth Collard, Senior Property Accountant — Tue, 07 Jul 2026 04:58:41 +0000

When can land sales be taxed? ie as a profit-making scheme? Inland Revenue has released a draft interpretation statement, PUB00519(opens in new tab), that revisits an issue which has been debated by tax advisors, property investors, developers, and Inland Revenue itself for decades. And it is potentially a huge shift in IRD thinking. At the…

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NEW BUILD VS EXISTING PROPERTY VS LAND & BUILD

Garreth Collard, Senior Property Accountant — Sun, 07 Jun 2026 02:12:42 +0000

New build vs existing property vs land & build: what is the right investment strategy? Property investment decisions rarely come down to a single “right” answer. One of the most common questions we get is whether it’s better to buy an existing property, purchase a new build, or go through the process of buying land…

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CAN YOU DEDUCT HOLDING COSTS ON PRIVATELY USED PROPERTY THAT IS TAXED ON SALE?

Garreth Collard, Senior Property Accountant — Tue, 07 Apr 2026 03:12:09 +0000

Can you deduct holding costs on privately used property that is taxed on sale? That’s a good question. An example might be where you sold your property, perhaps a holiday home. It is caught by the Brightline Test (currently 2 years) and so the profit from the sale is taxable. You incurred some “holding costs”…

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LANDLORD’S PROTECTION INSURANCE: WHAT IS IT AND DO I NEED IT?

Garreth Collard, Senior Property Accountant — Sun, 29 Mar 2026 03:43:58 +0000

Landlord’s protection insurance: What is it and do you need it? Owning a rental property can provide a steady income stream and long-term capital growth. However, every landlord faces risks that can quickly turn a profitable investment into an expensive headache. While most property owners understand the importance of house insurance, many overlook another valuable…

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DEPRECIATION CLAWBACK AND YOUR RENTAL PROPERTY

Garreth Collard, Senior Property Accountant — Sat, 28 Feb 2026 03:20:34 +0000

When a property is sold, ideally you should get a proper valuation done (see here for more info). Work out the difference between their current value and their book value and that will give you the figure that is either clawed back or deducted

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DeFi & CRYPTO TAX IN NZ: IRD UPDATED GUIDANCE

Garreth Collard, Senior Property Accountant — Fri, 20 Feb 2026 00:53:50 +0000

DeFi & Crypto tax in NZ: IRD updated guidance. Updated guidance? Yes. Inland Revenue released an issues paper in February 2026 setting out its initial thinking on how DeFi transactions are taxed — including wrapping, bridging, lending, borrowing, and staking. After that, the Government went a step further and thus this blog article has been…

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