A plain-English glossary of the terms New Zealand property investors actually encounter — tax rules, title types, lending, tenancy law and building compliance — written for this market and kept current.
Rules that affect property investors move on a predictable rhythm, and that's when we re-check entries against their primary source: after each Budget, after any RBNZ macroprudential announcement (LVR and DTI settings in particular), after any amendment to the Residential Tenancies Act, and whenever something on our What's changed page affects a specific entry. Tax and structuring entries are reviewed by a Property Club accountant; tenancy and conveyancing entries by a Property Club-engaged lawyer; planning and building entries by a registered planner or building professional. We're working through professional review category by category rather than claiming it's complete before it is — check the last-reviewed date on any entry before relying on it for a decision with real money attached.
Bright-line, ring-fencing, depreciation, and how ownership structures are taxed.
Title types, easements, covenants and the interests that come with land.
The transaction itself — agreements, due diligence, auctions, settlement.
Mortgages, LVR/DTI, serviceability and how bank lending actually works.
Running a rental under the Residential Tenancies Act, day to day.
Consents, zoning, and what councils control about what you can build.
Yield, cashflow, ROI and the frameworks investors use to compare deals.
Leases, WALT and the metrics specific to commercial and industrial property.
139 terms.
⚠️ marks entries with figures or rules that change with government policy or RBNZ settings.
General information only, current as at the date shown on each entry. New Zealand tax, tenancy and planning rules change frequently. Nothing here is tax, legal or financial advice — confirm anything material with a qualified professional before acting on it.
Questions about this page? hello@propertyclub.nz