Finance & Strategy Expert

Finance & Strategy
Ask Kris Pederson, director of Kris Pederson Mortgages questions relating to Mortgages, Finance, and Strategy

Kris is a respected commentator on the property and finance markets in New Zealand and overseas. He spends his time working closely with his support team sourcing clients leading edge finance strategies.

Investing without cash flow

di asks:

I have $300,000 capital and I am debt free. But I have no cash flow. I am thinking of purchasing a rental property with positive cash flow and then using the property plus income to finance second one and so on. What's the possibility of above? What are the details that I should consider?


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Sell, invest or hold?

Janet asks:

We live in Hawkes Bay. Because of the hot property market at the moment we are looking at selling our rental property. It is freehold, valued at around $350,000 and returning $330 per week. We are both working and live in a rent free house on a farm.

We are thinking we would like to buy a holiday home in Taupo and rent for casual holiday stays. But we are unsure if this is the best option - or would we be better off putting the money into the bank and getting interest off the $350,000?

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Legal transfer service

Robb asks:

Is it wise to use the free legal transfer service offered by Kiwibank when refinancing (rather than paying for your own conveyancing)?

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