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Creating Cash Flow

Many were saying a year ago that New Zealand would never see cash flow positive properties in the market again. Well they are wrong. With house prices and interest rates falling cash-generating properties are starting to appear again.

Wednesday, December 3rd 2008, 12:00AM

by The Landlord

This month’s issue of NZ Property Investor Magazine has your guide to cashflow positive properties. In the magazine you will find examples of a cash flow positive properties now available in this market.

Also it discusses ways you can turn properties into cash generating machines, along with a discussion on yields.

The software used to work out whether a property is cash flow positive is available for $25. Normally it retails for $29.95.

To order your copy (we post out a disc) click here.

To buy your copy of the magazine you can:

  • Order online
  • Call us tollfree on 0800-345675
  • Pick up a copy from all good bookstores, supermarkets and shops.

 

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Lender Flt 1yr 2yr 3yr
AIA - Back My Build 3.34 - - -
AIA - Go Home Loans 6.14 4.75 5.25 5.29
ANZ 6.04 ▲5.59 ▲6.09 ▲6.19
ANZ Blueprint to Build 7.39 - - -
ANZ Good Energy - - - 1.00
ANZ Special - ▲4.99 ▲5.49 ▲5.59
ASB Bank 6.04 ▲4.99 ▲5.45 ▲5.45
ASB Better Homes Top Up - - - 1.00
Avanti Finance - Near Prime 6.60 - - -
Avanti Finance - Specialised 7.75 - - -
Basecorp Finance 6.35 - - -
Lender Flt 1yr 2yr 3yr
BNZ - Mortgage One 6.19 - - -
BNZ - Rapid Repay 6.19 - - -
BNZ - Std 6.09 ▲4.99 ▲5.45 ▲5.45
BNZ - TotalMoney 6.19 - - -
CFML 321 Loans 4.20 - - -
CFML Home Loans 6.30 - - -
CFML Prime Loans 6.45 - - -
CFML Standard Loans 7.20 - - -
China Construction Bank 6.44 4.85 4.95 4.95
China Construction Bank Special 6.44 5.85 5.95 5.95
Co-operative Bank - First Home Special - 4.74 5.29 5.59
Lender Flt 1yr 2yr 3yr
Co-operative Bank - Owner Occ 5.34 4.84 5.39 5.69
Co-operative Bank - Standard 5.34 5.34 5.89 6.19
Credit Union Auckland 7.70 - - -
First Credit Union Special - 5.09 5.49 -
First Credit Union Standard 6.49 5.69 6.09 -
Heartland Bank - Online 5.80 5.89 - -
Heartland Bank - Reverse Mortgage 7.99 - - -
Heretaunga Building Society 6.50 5.50 5.65 -
ICBC 5.39 4.49 4.99 5.25
Kainga Ora 5.79 4.59 4.95 5.19
Kainga Ora - First Home Buyer Special - - - -
Lender Flt 1yr 2yr 3yr
Kiwibank 6.00 5.65 6.09 6.19
Kiwibank - Offset 6.00 - - -
Kiwibank Special 5.75 4.75 5.19 5.39
Liberty 6.65 6.55 6.22 6.20
Nelson Building Society ▲6.79 ▲4.99 ▲5.49 -
Pepper Money Near Prime 6.55 - - -
Pepper Money Prime 5.99 - - -
Pepper Money Specialist 8.00 - - -
SBS Bank 5.84 5.39 5.89 5.89
SBS Bank Special - 4.69 5.29 5.29
SBS Construction lending for FHB 3.74 - - -
Lender Flt 1yr 2yr 3yr
SBS FirstHome Combo 3.29 4.29 - -
SBS FirstHome Combo - - - -
SBS Unwind reverse equity 7.99 - - -
TSB Bank 6.59 5.49 6.05 6.29
TSB Special 5.79 4.69 5.25 5.49
Unity First Home Buyer special - 4.15 - -
Unity Special ▲6.04 4.80 5.29 -
Unity Standard ▲6.04 5.60 6.29 -
Wairarapa Building Society 6.15 4.95 5.45 -
Westpac 6.14 5.59 6.05 5.95
Westpac Choices Everyday 6.24 - - -
Lender Flt 1yr 2yr 3yr
Westpac Offset 6.14 - - -
Westpac Special - 4.99 5.45 5.35
Median 6.15 4.99 5.47 5.49

Last updated: 7 August 2026 8:32am

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