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+64 (9) 589 1313 [email protected]

Hey Marc! , first of well done sounds like you are on the go. If you want to buy an IP then you can’t use Kiwisaver because that’s only for owner occupied.Perhaps you can look for a property which has an income part to it and that would help you with serviceability, also if you don’t have kids then you can boarder income and that would boost your serviceability. However if you are wanting to buy a rental property then you can only go up to 400k PP with the bank and 600k with a Non-bank who would charge you a premium. Feel free to reach out on 027 812 1313 if you have anymore questions.

– Jasmeet Singh.

Hey Lovleen! , i would refinance first and then do the lump sum payment and it would also solve the problem that you’re trying to . Let me know if you have any more questions 🙂 .

– Jasmeet Singh.

Hey Kim!, need a one-on-one but based on the information that you are giving , i will be looking at residential because of the cash that you have in your current portfolio.

– Jasmeet Singh.

Hey Breeanna! , good to hear from you hope you’re well! Personally I won’t do anything more than 2 years right now! you should always leave a portion on floating or offsetting so that you can try and smash that as well if you are trying to buy an investment property in the future! let me know if you have any more questions would love to help you.

– Jasmeet Singh.

Hey Bernie! , Try to split if you can! I know sometimes it’s just not possible.

– Jasmeet Singh.

Hey Chantelle!, a good Property accountant will save you money, structure your mortgages with the right entity, protect your assets and most importantly your time. A Good property accountant is a blessing and must on your team. Do your numbers upfront and aim for 7% yields it may pay for itself. Wishing you the best!

– Jasmeet Singh.

Hey Bronwyn!, I would go with the core logic, the reality is it could be wrong as well but for the banks calculation you can take that into consideration. Registered valuation is the best way to find the real value. For any further questions feel free to ask.

– Jasmeet Singh.

Hey Natalie! , if you do have 30 deposit/equity after leaving the 30% for your IP and 20% for OO and serviceability is fine then you can buy for sure. Any questions feel free to ask on 027 812 1313.

– Jasmeet Singh.

Hey Reneze!, If you can keep them separately 100% but sometimes it’s just not an option! Also you need to get in touch with your accountant to get advice!

– Jasmeet Singh.

Hey Elisa! ,The following might help a wee bit. Before you get started, please gain as much as the knowledge you can! Focus on “WHY” do you want to Invest in property?

Following are the things you can do to gain knowledge:-

1. Start by reading some of Graeme’s book and all the articles listed in the announcements section of this group.

2. Ask as many questions you can on this group and you have all sorts of professionals available to answer any.

3. Join your local investor group.

4. Buy your first one as soon as you can but make sure you buy It Right!

5. Try to gather a good team around you of an accountant, broker, lawyer, etc.

6. If you don’t know what sort of properties to look for then get in touch with a buyer’s agent who would work for you. If you have any more questions, feel free to reach out on 027 812 1313, It’s a long-term game!

Lastly, enjoy your journey. Wishing you the best 🙂

– Jasmeet Singh.

Hi Kevin, it can take quite a bit of time depending on where they at, keep checking with them.

– Jasmeet Singh.