mortgages Archives - EPSOMTAX.COM - Property Accountants, Auckland

PROPERTY EQUITY NZ

Garreth Collard, Senior Property Accountant — Tue, 20 Oct 2026 03:23:24 +0000

Property Equity NZ: What is it? How does equity really work for property investors? 30-Second Read: Key Points Many property investors know their property’s value has increased, but fewer understand how much equity they can actually use. Equity plays a critical role in property investing because it influences borrowing capacity, refinancing options, and future investment…

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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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WANT TO BUY PROPERTY? 5 DEBT PAY-OFF STRATEGIES

Garreth Collard, Senior Property Accountant — Wed, 30 Oct 2024 10:44:00 +0000

You're thinking: "I want to buy property," but you’re worried about your debt. Here are 5 debt pay-off strategies!

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WHAT’S THE BEST WAY TO STRUCTURE OUR MORTGAGES?

Garreth Collard, Senior Property Accountant — Sat, 07 Sep 2024 05:59:49 +0000

Rental property mortgage structure is one of the most important factors affecting the success of a property investment portfolio. Many investors spend weeks researching suburbs, property managers, and renovation budgets, but spend very little time reviewing how their lending is organised. That can be an expensive mistake. The right mortgage structure can improve cashflow, increase…

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THE REAL COST OF A RENTAL PROPERTY

Garreth Collard, Senior Property Accountant — Sat, 20 Jan 2024 08:26:14 +0000

The real cost of a rental property is a question every investor should run the actual numbers on, rather than assuming rent alone tells the story. This guide walks through a full worked example — rent, interest, other costs, and what’s actually deductible today. Then it weighs that real cost against typical long-term capital growth.…

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HOW DOES MONEY WORK?

Garreth Collard, Senior Property Accountant — Tue, 30 May 2023 05:56:44 +0000

How does money work? Money affects almost every decision you make as a property investor. It influences whether you buy a rental property, invest in KiwiSaver, contribute to a managed fund, or consider emerging assets like cryptocurrency. Yet many people spend years earning money without fully understanding how it works. Understanding the answer to the…

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