UNLOCKING CAPITAL, LIFESTYLE
Coulson says that business owners have recently received fresh motivation to act, with a new tax incentive allowing them to claim an immediate 20 per cent deduction on eligible new asset purchases.
“ While it may sound like a win just for businesses, it has meaningful implications for everyday homeowners, too.
“ That’ s because many small business owners in New Zealand use their family home as security for business lending. When a business ' s cash flow improves, as this policy aims to support, it can reduce pressure on household finances, freeing up equity and even giving owners the confidence to upgrade or invest in property.
PROPERTY REWARDS THE BRAVE( AND INFORMED)
Sellers today have access to buyers who are willing, knowledgeable, and financially better-off than they were 12 months ago, Coulson says.“ Mortgage rates are heading lower, and economic signals, though fragile, suggest the second half of 2025 could bring further improvement.
“ Centrally compelling for sellers is the chance to stay ahead of the curve. Currently, the direction of travel is subtle, but it is nonetheless in motion. Those willing to act with foresight may just find gains quietly significant.”
“ With nearly half of all Kiwi businesses being small or family-run, the change could help unlock more real estate activity, especially in regions where entrepreneurship underpins the local economy.
“ Similarly, with construction consent times set to shorten thanks to New Zealand’ s first privately-owned Building Consent Authority, the path to development or renovation is clearing. This change may not be seismic at face value, but for many, it reduces regulatory burdens and costs typically associated with building, making new home options more viable.”
RAY WHITE NOW NEW ZEALAND | 9