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Until recently, falling interest rates meant that no matter what you were investing in you almost couldn't go wrong... Asset prices across the board just kept going up. But those lucrative days are behind us.

Cashflow is king. It's one of those old sayings that just always holds true - and it's one that property investors should be keeping top of mind heading into 2023.

Do we have any evidence in hand of the impact on the residential real estate market yet of the recent round of fixed mortgage rate increases undertaken by banks? Yes, we do.

With investors backing off it is understandable that the pace of increase in house prices has slowed down. In the six months to September 2020, average house prices around New Zealand rose by just 4%, including a 3% fall over the April-May months.

I love property. Early last year I wrote that I thought we were going into the last great property boom based on ultra-low interest rates and the increasing importance of having a home in the post COVID world.

Now that we are experiencing lockdown again, can we expect the same things to happen in the residential real estate market and economy as last time? No. There are some key differences between this situation and that of March 2020.

The changing nature of the housing market has seen a rapid increase in the amount of terraced housing under development. Even experienced developers like terraced housing.

I continue to hear stories about investors selling off their properties in disgust at the government’s proposed tax changes. But are investors about to bail out of the market?

The cult of personality is alive and well in the New Zealand property market with the next wave of self-styled property gurus. Now they're digital savvy and on social media.

On March 23 the government surprised everyone with some draconian changes in the ability of property investors to deduct interest expenses when calculating their tax obligations. Will we really see big changes which could stop house prices rising for an extended period as the government would like? No.

This post will start with a little rant and then progress into trying to understand the downstream impacts of a big week for the housing market. Just in case you were under a rock this week, the government announced a major change in housing tax policy.

In this article I’m focusing on the idea of debt-to-income ratios. It is likely that they will be a key tool used by the Reserve Bank to meet its new house price stability objective.