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.

Efficient debt structure

David asks:

I have a large chunk of cash, enough to pay off my owner-occupier mortgage. My only concern is that this is not our “forever home”. We hope to buy a new house soon that will be! When we do our current owner-occupier will be kept as a rental.

But I do not want a mortgage free investment property and a big mortgage on our new owner-occupier. Ideally, I would like an 100% mortgage on my investment and all my equity in my owner-occupier. I'm not overly keen on selling it to a company or putting it in a trust. Do I have other options? If so, what are they?




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Mortgage-free rental

Leanne asks:

As part of a marital split I received a rental property which has no mortgage on it. Is it wise to rent out a property that has no mortgage?

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Investing overseas earnings in NZ rentals

Thomas asks:

I am wondering if there is a suitable financial structure to invest money from overseas freelance consulting work directly into investment in a property (rental home) at home in New Zealand. I have no intention of avoiding tax or fees but I’d like to minimise them as much as possible over the next two to three years.

I would need a small mortgage to buy an average property. And I am wondering if it is possible to purchase a property with an LTC and then use the overseas income and rental income to pay the mortgage and minimise profits all around?




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