NZ Property Investor - May 2016.pdf

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Contents
UPFRONT
03
EDITORIAL
Celebrating 150 issues.
MAY 2016
16
04
STATCHAT
We take a look at banks' behaviour around LVR restrictions.
06
NEWS
Latest news affecting property investing.
09
YOUR MORTGAGE
Benefits of the new-build versus second-hand
stock with Peter Norris.
10
YOUR HOUSE
It’s ‘game on’ as Auckland’s housing market rebounds.
22
FEATURES
16
PROFILES FROM THE PAST
We profile seven investors from the
past and reveal hard lessons learned.
22
LEAD: LOOKING BACK
ON 150 ISSUES
We reveal the cycles, the strategies
and the gurus come and gone.
28
FEATURE: NEW ZEALAND’S
CHANGING POPULATION.
How you can strategise to accommodate
the tenants of the future.
34
DEVELOPMENT SERIES:
PART FOUR
Hold or sell? We explain your options.
40
RENOVATION: TURN UP THE HEAT
How to keep your tenants warm this winter.
40
ADVICE
12
ASK AN EXPERT
Our panel of experts
answer your questions.
WWW.PROPERTYINVESTOR.CO.NZ 
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 NZ PROPERTY INVESTOR 
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50
COLUMNS
44
YOUR STRATEGIST
Michael Yardney reveals your biases as an investor.
45
YOUR BANKER
Meth testing is now crucial due diligence,
explains Sandy Richardson.
46
YOUR ACCOUNTANT
In part three of his three-part series, Mark Withers
outlines the requirements when Mum and Dad are
‘the bank’.
47
YOUR PROPERTY MANAGER
The new trends in property investment
with Sarah Dawson.
REGIONAL REVIEW:
NAPIER / HASTINGS
We find rich pickings in
New Zealand’s fruit bowl.
48
YOUR APARTMENT
Body corporate commitees are a necessary
evil explains Aaron Tunstall.
49
YOUR PROPERTY COACH
Sue Irons demystifies the concept of a
‘property coach’.
REGULARS
58
FROM THE EXECUTIVE
OFFICER'S DESK
Property investors are not the cause of the
Auckland Housing Crisis, says Andrew King.
60
60
PROPERTY INVESTORS’ FEDERATION
What the associations are planning
for May in your area.
80
AUTHOR’S PAGE
We speak to NZ’s Queen of property,
Nicolete Connors, about her new book.
STATISTICS
64
STATISTICS
Find out the median returns for rentals in your area.
75
2
NZ PROPERTY INVESTOR
//
MAY
2016
75
SALES STATISTICS
Median house sale prices and numbers sold by region.
78
CLASSIFIEDS
All the best professionals from your region.
www.propertyinvestor.co.nz
NZ Property Investor magazine is brought to you in association with
FROM THE EDITOR
NZ Property Investor Magazine Ltd
Postal address
PO Box 2011,
Rotorua
Physical address
1448A Hinemoa Street,
Rotorua
T
07-3491920
F
07-3491926
www.propertyinvestor.co.nz
www.landlords.co.nz
NZ PROPERTY INVESTOR MAGAZINE
PUBLISHER
Philip Macalister
E
Philip@propertyinvestor.co.nz
BLAST FROM
THE PAST
I WAS BLOWN AWAY BYTHE
CONVERSATIONS I HAD WITH
THESE INVESTORS AND HOW
WILLINGTHEYWERETO EXPOSE
THE LESSONSTHEY HAD
LEARNED, OFTENTIMES THE
HARD WAY.
stories of some of our memorable profiles.
Looking back is always useful in gleaning
lessons for the future, so we’ve included a
feature celebrating the past dozen years
of investing (p22). We track the property
cycle, the gimmicks and the gurus and get
wisdom from those experts who have ridden
the wave.
Not only is it important to look back
for lessons, it’s also critical to know how
to predict future trends. In our feature on
the changing population of New Zealand
(p28) we look at population projections
and discover who your future tenants will
be and how you can strategise to cater to
the new market. Our population is ageing
significantly, there’s an influx of immigrants
and the family unit is changing. Lifemark
general manager Geoff Penrose sums
up one of the biggest changes to come:
“By 2020 one in three adults will be a
grandparent.” It’s a bit of a scary revelation,
but it’s important to be informed. If you can
begin to look at your future tenants’ needs
now, you will be well ahead of the game.
EDITOR
Joanna
Jefferies
E
editor@propertyinvestor.co.nz
SUB-EDITOR
Phil Campbell
STAFF WRITER
Miriam Bell
E
miriam@tarawera.co.nz
ADVERTISING SALES
Trish Day
T
0800 345675
M
0274 202 069
F
07 3491926
E
trish@propertyinvestor.co.nz
PRODUCTION
Jon Harding,
Debbie Morgan
SUBSCRIPTIONS
Dianne Gordon
T
0800 345675
THIS MONTH WE CELEBRATE THE 150TH
issue of
NZ Property Investor
magazine.
Naturally, when you hit a milestone like
this, you begin reflecting on the past dozen
years of property investment (since our
beginnings in 2004) and wonder what
the investors who have been part of our
magazine have been through.
To get a feel for their collective experience
I rang many subjects of our early profiles –
those who were at the height of their game
in 2004 – not knowing the Global Financial
Crisis lurked just around the corner. I was
blown away by the conversations I had with
these investors and how willing they were
to expose the lessons they had learned,
oftentimes the hard way. Some had fallen
from great heights and had lost it all, while
others went to extreme lengths to hold onto
their investments.
On page 16, you’ll get a blast from the past,
as well as a few key lessons from the updated
To subscribe go to
www.propertyinvestor.co.nz
To change your address or
subscription details go to
www.propertyinvestor.co.nz/coa
CONTRIBUTORS
Sarah Dawson, Ron Hoy Fong, Allan Galloway,
Nick Goodall, Amy Hamilton Chadwick,
Vicki Holder, Sue Irons, Jenny Keogh,
Andrew King, Myles Noble, Peter Norris,
Bernard Parker, Kris Pedersen,
Louise Richardson, Sandy Richardson,
Krister Samuel, Aaron Tunstall, Mark Withers,
Michael Yardney.
Joanna Jefferies
Editor
//
 NZ PROPERTY INVESTOR
WWW.PROPERTYINVESTOR.CO.NZ
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