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This series is for you as Homeowner if you are interested in the housing market and views from somebody who is an active homeowner, landlord and investor.


Owner-occupied homes and property investments are not the same, the Homeowner’s Blog explains why. 


Renting or home ownership is a lifestyle decision based on circumstances. This blog is helping you to avoid pitfalls and fulfill your dream to retire in luxury on the equity built up in your home.


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Homeowner’s Blog

Sharpen your mind and stay on top of the housing market

RECENT BLOG POSTs  Next  - Page 2

If you didn’t get recent updates, here’s a summary of posts you missed:

Homeowner’s Blog - Secrets of happy Home Ownership

· Homeowner’s Blogs looks through the eyes of someone who has succeeded doing it. Home ownership is not how much you earn, it is to avoid pitfalls and how to use an owner-occupied property to hedge against inflation and property market swings.

1 Last update:  Fri, 1 Aug 2014

Cutting Costs – Convert your property into a productive asset

· Home ownership is a liability, financial commitment and lifestyle changing opportunity to take control over housing costs. Be inspired to cut costs by converting your home into a productive asset.

2 Last update:  Fri, 3 Oct 2014

Planning Home Ownership - Difference between Winning and Losing

· Why is home ownership rather a saving plan than an investment and non-housing wealth is not so common?  Find the difference between winning and losing, grow wealth with home ownership

3 Last update:  Fri, 3 Oct 2014

Home Affordability - Are you buying as couple or with somebody else? 

· When not choosing the right ownership type (joint tenancy or tenancy in common), borrowing too much and failing to budget (check with the mortgage calculator), that can lead to lose the home.

7 Last update:  Fri, 10 Oct 2014

Housing Politics in the Media - Homeowner’s concerns or considerations

· Why would housing politics not matter you and what are the key elements for homeowners to watch? Market values to compare properties, why can’t you rely on them?

4 Last update:  Fri, 3 Oct 2014

Homeowners Survive Hard Times - Saving in Times of Plenty for rainy Days

· It is common knowledge to save in times of plenty for rainy days and survive hard times, what role plays home ownership and how to utilize what people already own?

9 Last update:  Fri, 17 Oct 2014

Bathroom Renovation - Design vs. Budget Considerations

· Bathrooms are one of the most expensive rooms of our homes. Find practical and timeless design tips for smaller budget bathroom renovations. Note, changing the complete bathroom layout and plumbing requires a building consent

11 Last update:  Fri, 3 Oct 2014

House Insurance Claim – No Payouts, what can you do?

· House insurance claim – understand your house insurance policy, homeowner’s risk and avoid having paid for insurance cover that does not exist or paid premiums for an insurer who is unable to process the claim

5 Last update:  Fri, 3 Oct 2014

Unit Title Property - What are Apartment Owner’s Risks and Benefits?

· Because of joint ownership of the apartment buildings and the individual lack of control - what are the specific risks of unit title properties and the costly side effects?

6 Last update:  Fri, 10 Oct 2014

Hire a builder – what should you know about quotes?

· Avoid disputes, know that quotes do not replace a contractual agreement.  A price quote does not specify the complexity of a job. Cover the risk that jobs are differently rated by clients and builders.

8 Last update:  Fri, 10 Oct 2014

How to avoid Crooks - Find the right Tradesmen or Contractors for Your Job

· Tips to check trades people, builders and contractors, how to spot and avoid crooks and get value for money.

10 Last update:  Fri, 10 Oct 2014

Hire Tradespeople – Avoid common failures and unfinished work

· What are the risks when hiring trades people? How to avoid common failures like sub-standard of work, budget blow out, unfinished work, delayed completion and disputes?

18-Last update:  Fri, 12 Sep 2014

Homeowner’s Electricity Bills - Tips for Saving on Electricity and Heating

· Why is over capitalizing a home more cost effective than homeowner’s high electricity bills due to draughty windows and poor heat retention? Tips for avoiding skyrocketing power bills and wasting energy

17a-Last update:  Fri, 12 Sep 2014

Homeowner’s Heating and Hot Water - Tips for Reducing Energy Consumption

· Solar hot water, central heating or not, reducing the energy consumption can be done by changing habits and renovation, explore these tips and your options.

17b-Last update:  Fri, 12 Sep 2014

Retrofitting your Home - Active or Passive Energy Efficiency—Which way to go?

· Renovating and retrofitting a home - which way to go active or passive energy efficiency for increasing property value, improving lifestyle and saving on energy consumption?

17c-Last update:  Fri, 12 Sep 2014

Due Diligence Check List - Guidance for inspections and viewing property files

· The Due Diligence Check List is to synchronize all tasks in time for completing property inspections and investigations before signing the sales and purchase agreement

16a-Last update:  Mon, 8 Sep 2014

Buyer’s Due Diligence - Tips to use Generic or Specific DD Clauses

· What is the difference between Generic or Specific DD Clause? Making an offer three due diligence clauses must be included when dealing with the seller’s agent

16b-Last update:  Mon, 8 Sep 2014

Buyer’s Due Diligence - Specific DD Clauses and Conditions

· Specific DD Clauses and Conditions when making an offer protect you from losing money after settlement.  Find out how to deal with unforeseeable events or problems

16c-Last update:  Mon, 8 Sep 2014

Financial Due Diligence - How to avoid a mortgagee-sale?

· Mortgage is a burden and a risk. Financial due diligence is planning to avoid costs for re-financing or a mortgagee-sale. Tips to combine fixed and floating interest rates for managing loan payments in good and bad times.

o15-Last update:  Fri, 29 Jul 2016

Due Diligence Clauses - Why would you use them and Examples?

· Due Diligence Clauses and conditional sales and purchase offer, what is the Role of the Real Estate Agent? Understand the difference between specific and generic DD clauses and how to use them

o14b-Last update:  Fri, 22 Jul 2016

Buying a Home - Why do You need a Due Diligence Clause?

· Due Diligence is home buyer’s protection to avoid buying a lemon. Due diligence clauses set the conditions and time frames for the home buyer’s property checks and investigation.

o14a-Last update:  Fri, 22 Jul 2016

Buyer’s or Seller’s Market – Average or Market Price?

· Buyer or seller who has negotiation power to get the price wanted? What is the difference between buyer’s market and seller’s market and when to reduce the asking price to attract buyers?

o13-Last update:  Mon, 18 Jul 2016

Why is the Residential Property Market so different?

· Why is the Residential Property Market a hunting ground for voters and the centre of demographic and social developments?  Do restrictive policies resolve competition between homeowners, renters and investors or why do they hit people’s nerves.

o12a-Last update:  Fri, 22 Jul 2016

Fear of missing out - Common pitfalls when buying a property

· Why does the fear of missing out costs a fortune when house hunting? What are the common pitfalls and why have property buyers to pay penalties at delayed settlement?

o12b-Last update:  Fri, 22 Jul 2016

Apartment Ownership - Know about 3 different Ownership Types

· Apartment ownership in NZ is based on three title types with rules and legislations to use the common property and share the costs for repair and maintenance of the building; flat owning company, Cross-lease, Stratum Estate or Strata Title

o11-Last update:  Mon, 4 Jul 2016

House Prices double or not - Debts lifetime long does it make sense?

· Property Values double every 8 years—false or true, what is the limitation of the willing buyer and why fail economists to predict the housing market?


o10-Last update:  Mon, 18 Jul 2016

Investment Residential Home - Myths about Home ownership

· Myths about home ownership and trends show changes of the housing market. The bold common view is; a home is an investment, capital gain is gifted money that makes rich, and a mortgage-free home is the financial freedom in retirement. 

o9-Last update:  Mon, 11 Jul 2016

Property Values - Do you Know the Impact of Crime in your Neighborhood?

· What is your house worth in a neighborhood nobody wants to live in? How can you avoid crime hot spots resulting in property devaluation?  Monitor crime statistics and follow these tips to protect the value of your home.

o8-Last update:  Mon, 4 Jul 2016

Leaky Home – Are you screwed?

· Victims of leaky homes can tell stories about buildings with water tightness problems, monolithic cladding and bad workmanship. How to consider your options?

o7-Last update:  Mon, 18 Aug 2014

Own or Rent a Home -  Homeowner or renter who is happier?

· Own or rent, homeowner or renter – who is happier? Happiness and home ownership are positively and statistically significantly related, here is why.

o6-Last update:  Mon, 18 Aug 2014

Under-supplied Housing Market - Home Owner’s Options to avoid Suffocation

· Over-valued properties and the under-supplied housing market are going to continue in 2016. What are homeowner’s burden and how to manage them?

o5-Last update:  Thu, 30 Jun 2016

Homeowner’s Choice - Paying 1.4 Million Dollars out of Pocket

· Home buyer’s emotional decision can bring freedom or pain when speculating on capital gain only. Why is it important to look for options reducing the costs of ownership before signing the S&P agreement?

o4-Last update:  Mon, 27 Jun 2016

NZ’s Housing Culture - Home Ownership with a Twist

· Demand on housing outruns supply—when will that stop? What political party drives the housing programs after years of negligence? What is the deficit called between government spending and taxation and who pays for it?

o3-Last update:  Mon, 26 Sep 2016

Market Values and Home loans Reasons for Homeowner’s slavery

· Are the market values the driver for homeowners to buy and sell in short succession and why is the housing stock aged or behind home buyer’s expectations?

o2-Last update:  Sun, 12 Jun 2016

Homeowner’s Blog - Owner-Occupied Housing

What to do and what is right time to buy a home?

· The right time to buy is when you need housing and the budget prepared, mortgage pre-approved, legal assistance sorted and you, the purchaser, is prepared to make informed decisions. Here is what to do.

o1-Last update:  Mon, 25 Aug 2014

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