• New Zealand Regions
      • Hawke's Bay
      • Bay of Plenty
      • Waikato
      • Whanganui
      • Manawatu
      • Northland
      • Auckland
      • Gisborne
      • Taranaki
      • Wellington
      • West Coast
      • Nelson
      • Canterbury
      • Otago
      • Marlborough
      • Southland
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      Hawke's Bay

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      Beaches, wineries and Art Deco. The Hawke's Bay has a diverse economy, including business services that support its sectors to be the second largest contributor to regional GDP in the country. A popular tourist destination, the region has some of the countries best restaurants as well as stunning scenery, markets and festivals.

      Districts

      HastingsNapier

      Bay of Plenty

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      The Bay of Plenty is officially New Zealand's sunniest destination, enjoying short-lived winters and long summer days. The Region offers some of the country's most spectacular views and many ways to enjoy the pristine scenery and natural wonders. Visitors also enjoy exploring the Bay's Māori heritage and pre-European roots.

      Districts

      OpotikiOpotiki iSiteKawerauWhakatane

      Waikato

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      The Waikato is known for its rolling plains, fertile land and the mighty Waikato River. The region is the fourth largest regional economy in New Zealand, with a strong focus on primary production and associated manufacturing.

      Districts

      South WaikatoWaikato District

      Whanganui

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      Welcome to Whanganui. This is our place; where history is full of stories, legends and rich legacy. Where a thriving arts scene, creativity and evolving culture inspire our modern lives. Where breath-taking natural landscapes capture imaginations at every turn.

      Manawatu

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      Located in the lower North Island, Manawatu is heartland New Zealand, offering an authentic Kiwi experience.

      The main in the region are Palmerston North, most notable for Massey University. Palmerston has a vibrant, arts and culture scene.

      The region's economy is based on food production and processing, research and education. The region is also home for the New Zealand defence force.

      Northland

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      Northland was originally home to some of our country's first human inhabitants. Today, it is one of the fastest growing regions in New Zealand and home to nearly 189,000 people. Rich in culture and history, the region boasts a stunning natural environment.

      Auckland

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      Auckland Region stretches from the the beaches of the Pacific Ocean in the east to the expansive beaches of the rugged west coast of the Tasman Sea. Auckland City, the largest urban area in New Zealand is considered the main economic center of New Zealand and a popular destination for international students and travellers.

      Gisborne

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      Gisborne is a Region on the east coast of New Zealand's North Island. It's known for wineries and surf beaches such as Makorori. The region has maintained a strong Maori heritage. The region's economy is made up mainly of agriculture, horticulture and forestry.

      Taranaki

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      Taranaki is a coastal and mountainous region on the western side of New Zealand's North Island. Its landscape is dominated by Mount Taranaki, its namesake volcano, which lies within the rainforested Egmont National Park.

      The port city of New Plymouth is the area's cultural and commercial hub. Taranaki's economy is diverse and includes dairy, oil and gas. The region is the highest contributor or national GDP per capita. 

      Wellington

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      The Wellington Region covers Wellington city in the south, Upper and Lower Hutt valleys to the north-east, and Porirua to the north-west. The region takes its name from Wellington, New Zealand's capital city.

      Wellington is famous for its arts and culture scene and is also the centre of New Zealand's film industry.

      West Coast

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      The West Coast, or as some locals call it, the "Wild West", is a long thin region that runs down the South Island's west coast.

      The region has the lowest population in all of New Zealand. It is famous for its rugged natural scenery such as the Pancake Rocks, the Blue Pools of Haast, and the glaciers.

      The main industries in the region are dairy farming and mining. Tourism also plays an important role.

      Nelson – Tasman

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      Nelson Tasman is an extraordinary, vibrant region where art and businesses thrive together among a stunning natural landscape. With one in five people internationally born, Nelson Tasman has 48 different cultures living in its environs.

      The region prides its self on being New Zealand’s leading Research and Development areas, with the highest proportion of people working in the research, science and tech sectors out of anywhere in New Zealand.

      Canterbury

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      Canterbury is a region on New Zealand’s South Island marked by grassy plains, clear lakes and snow-capped mountains. Its largest city, Christchurch, is famed for its art scene and green spaces.

      Otago

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      There are few places in the world which will leave you with a lasting sense of difference. Central Otago is undoubtedly one of them from its landscapes, its seasons, its people, its products and experiences.

      Marlborough

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      Marlborough Region is on the north-eastern corner of the South Island. The region is well known for its winemaking industry, and the Marlborough Sounds, an extensive network of coastal waterways, peninsulas and islands.

      Apart from the wine industry, aquaculture, agriculture and tourism play an important role in the local economy.

      Southland

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      Southland is New Zealand’s most southerly region and includes the World Heritage ranked Fiordland National Park.

      The region's only city Invercargill offers a relaxed pace of life with wide streets, little traffic, spacious parks and gardens, striking Victorian and Edwardian architecture and impressive sporting facilities including New Zealand’s first indoor velodrome. Southland's location is such that views of Aurora Australis or the Southern Lights are common.

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Property Investment

Property is a popular form of investment for many people in New Zealand. The difference between an investment property and a home is that the owner earns an income from the property instead of just lives there. Returns from property investment are from rental income and from any increases in the value of the property over time.
Although property investments are not considered an easy way to make money as withdrawing the money takes time and there are a lot of hidden fees. However, it is great for long term profit as prices rise.
It is harder to borrow money for a rental property than it is for one that you are going to live in. Lenders have lower lending limits for investment properties. However, some lenders and mortgage brokers have particular expertise in lending for investment, so it is a good idea to try and get in touch with one of those.

 

What are the risks?
Property investment is widely known as a safe type of investment, just because your money is put into something that is unlikely to deteriorate. However, like with everything, there are some risks.

  • Interest rates many increase, so any money made from the property could be reduced
  • If you mortgage your investment property with the same bank as your own home, then you could be at risk that the bank could sell both properties if you have an issue paying either mortgage. It is best to avoid this.
  • At any time, a lender can ask you to repay your mortgage unexpectedly and if you are unable to sell your property quick enough then you will not be able to and will be in dept.
  • The property market fluctuates constantly. If you need to sell your home quickly or just really want to get rid of it at a time when the property market has dropped then you might end up losing money on the home and still owe money to the lender after the sale.

 

Is there a lot of work involved?
Property investment does normally involve some work and is more time consuming than say, investing money in shares or saving in a bank. However, it can have bigger pay-outs. There is a lot of time needed for tasks such as looking for suitable properties, doing any work needed to it to make it liveable and comfortable and finding tenants. Once all this is done there is still more work that is inevitable in the future, including arranging and maintenance work or finding new tenants if the old ones leave.
If the investor doesn’t have this time or doesn’t want to do it themselves then there are ways around it. You can get a property manager or use an estate agent to do these sorts of maintenance tasks for you. It will cost you money to have one of these, but it does mean that you can free up time for yourself and rest easy knowing that a professional is looking after it.

 

What other way are there to invest in property?
There are other ways that you can invest in property. It is possible to invest in the managed funds that buy and sell commercial property. This may be that they owe properties such as office buildings, shopping centres or factories. It could also mean they own shares in funds that own the property.

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