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.

Relationship property agreements

Patricia asks:

I own land that I intend to develop and have recently married. The property is in my name but matrimonial funds are used to maintain the property. There is no prenuptial agreement so if the relationship fails my spouse receives 50% of the property. Can I split the profits from the property 50/50 with my spouse?

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Effective leveraging

Nathan asks:

I have two investment properties worth $850,000 with a mortgage of $400,000 in New Zealand but I live in Australia. I have been told I can use $70,000 of equity towards my next investment property. Does this sound right or is there a better way to get into my next property?



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Joint venture options

Miriam asks:

I am keen to buy an investment property. I have about $50,000 for a deposit and earn a decent salary. But I think that rather than waiting to save more of a deposit it might be a good idea to look into investing in a joint venture. Do you think that joint ventures are a good idea? What would be your advice and recommendations when it comes to joint ventures?




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