Property is an inherently emotional asset class. Homes are where we live, grow families, and create memories. Even in investment contexts, buyers often form attachments to a property’s aesthetic, location, or perceived prestige. But when the goal is wealth creation, not home ownership, emotion is often the enemy of good decision-making. The most successful property…
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Survival to Thriving: Riding the Waves of Economic Turbulence The phrase “survive till 25” has become a rallying cry for those feeling overwhelmed by the state of the economy and the higher interest rate environment. While the sentiment may stem from a place of realism, it’s also deeply flawed. If all we do is focus…
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We’ve had a bit to say about inflation and interest rates over the past year or so. This is a hot topic and has had a massive impact on many Kiwis. It’s not just those with mortgages, but also the businesses and retailers who bear the brunt of consumers spending less. Our motivation for…
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Has 8% been your friend or foe? At Erskine Owen we see both sides of the 8% coin. For people with property debt, mortgage rates of 8% +, it has been painful. The rate at which interest rates rose meant the impact was felt quickly and it was hard to make changes rapidly enough to…
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That’s a line from the musical Hamilton which I recently saw…an amazing show. Alexander Hamilton was a founding father of the US – his early life was hard, he fought in wars against the British, he worked incredibly hard for President George Washington, and then he died in a duel defending his honour. Reading his…
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Who will ever forget Mel Gibson as William Wallace commanding his kilt-wearing kin to ‘hold’ as the English charged them on mighty steeds? Then at the last possible minute, he yells ‘NOW!’ and they lift sharpened poles to massacre the unsuspecting enemy. Perfect timing takes a perfect mix of imagination, hard work, and chutzpah. When…
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It was not so long ago that I frequently heard people saying “we are in new era where interest rates will never return to pre-GFC levels”. I listened to a bank economist link interest rate spikes to population explosions, like the post World War 2 baby-boom phenomenon. The argument was that if you went back…
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In the year to September inflation hit 4.9%, the highest in a decade, and mortgage rates have risen rapidly. As a property investor it is natural to be concerned about the impact on property prices and yields…and ask is the property party over? Inflation While the inflation rate has startled some investors, the real question…
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Our Daycare Property Syndication is now fully subscribed and currently returning the projected 7% per annum, paid monthly. The five Daycare properties are all fully tenanted by experienced Daycare operators with 10 – 15-year leases. Early Childcare Education (ECE) is a growing business sector and a growth market as demand for childcare increases annually. ECE…
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Property is Slow – And that’s the Secret Sauce
I recently explained to one of my teenagers that I am from the TV watching era where if our favourite sitcom finished with a ‘cliffhanger’, we had to wait a whole week till the next episode. He turned to look at me like I had ‘rocks in my head’. All he knows, is a 4…
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