Last month the reserve bank announced their biggest move yet in attempting to stifle a runaway market across New Zealand. Since then it has revised the start date of the proposed changes for a (for a 40% deposit policy for investors nationwide), which will now be effective from October, allowing banks to clear a backlog of pre-approved lending.

Naturally, as a result of this strong measure, speculation has been rife of an impending market correction – and a diverse collection of data indicates market conditions may indeed be changing (see our Housing Commentary on p12). Regardless of market conditions, many investors may now be faced with changing tactics due to the new policy.

Looking for creative avenues in order to grow a portfolio is, however, nothing new to many investors. As the dust settles, some industry insiders are already seeing this as a chance to take advantage of new opportunities. Our feature piece this month plays nicely into the changing lending environment: When to Buy New versus Second-hand (p24) is highly relevant, given the exemption of new builds from the new LVR policy.

For those who are looking at new avenues entirely, part one of our new commercial series (p36) outlines the differences between commercial and residential investment and gives tips on how you can start your commercial property portfolio.

Another issue that is concerning many investors currently is the methamphetamine contamination of rental properties. A lack of regulation around testing and remediation practices means confusion and misinformation is rife within the industry. In our feature on p30 we speak to key experts and get advice on how landlords can protect themselves.

It’s a real treat this month, also, to hear from young investor couple Hayley and Shannon Tawhiti. The inspirational Hawke’s Bay pair are thought to be some of the wealthiest residential investors in the country and have accrued a portfolio of 120 properties in just 12 short years. The pair will no doubt inspire you to have tenacity on your own investment journey. Happy Reading