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John Key

John Key

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Mon, 08 Feb 2010 5:47p.m.

By Duncan Garner

If you own a second property, or an investment property, the Government appears to be lining you up. Today Prime Minister John Key told Cabinet, and tomorrow he'll tell Parliament and the country.

But this afternoon he dropped the hint that loopholes allowing property investors hundreds of millions of dollars of tax refunds will be closed.

Mr Key also lined up Reserve Bank governor Alan Bollard, fuming over comments he made about New Zealand's inability to close the income gap with Australia.

"I don't think we should be as fatalistic as saying we can't do it," says Mr Key.

Dr Bollard effectively said Mr Key's central plank of closing the wage gap with Australia was laughable, but Mr Key has to move on.

Tomorrow he sets out his government's priorities for the year. Arguably his most important speech since taking office, he will outline the Government's response to the tax working group and what changes will be made.

Mr Key must decide whether to increase GST to 15 percent. The experts also recommended a land tax and some form of capital gains tax on investment property. Experts have also said the top rate of tax and corporate tax needs to be reduced, and perhaps aligned if New Zealand is to remain competitive with the world.

And Mr Key is hinting he will close the many loopholes allowing people tax refunds on investment properties, worth hundreds of millions of dollars every year.

"If it allows people to engineer their affairs in such a way that they don't pay any tax at all, but continue to consume publicly-supplied goods - whether it's health, education, roading, policing - that's unfair."

But the Property Investors Association says any moves to target the sector will see costs passed on renters.

"A capital gains tax on rental properties would cause rents to rise," says Andrew King.

Mr Key's speech and his plan of action is much anticipated.

3 News

Read Duncan Garner's blog for more insight on the tax reform issue.

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Comments [14]

Brian
09 Feb 2010 4:16p.m.

I own rental properties. I don't live the high life, gamble or even take holidays very often, and when I do, I catch up on work around the home rather than jetting around the world. Per force we both work 60+ hours a week and socialize very infrequently. We went out for dinner at the local restaurant last week for the 1st time in over a year. All the above is the real reason We now have rentals and will be able to look after ourselves in our twilight years paying our own way from investments and not be a burden upon the state. Incidentally, our cars are teenagers and not even bought new. For all the knockers who want taxation to fall disproportionately on the so called rich only, put your heads down, arses up, work and save what you earn, and get a life.

Helen1
09 Feb 2010 2:51p.m.

Hey JK put the gst up to 80% if you like and let education health and public transport be free for everyone. And then watch tourism flourish and people change for the better. Less negativity and pollution. More time to spend creating and living.
This is a dream not a nightmare and only a comment that cost nothing.

Phil
09 Feb 2010 2:47p.m.

I own an accountancy practice and have many clients that own investment properties. I would assess that the vast majority of these clients know that they are bucking the system, albeit legally. They know, and sometimes admit, that the system is morally bankrupt, but they don't make the rules, only play by them. In the interest of fairness and an equitable system that encourages capital to be invested in productive assets and not merely bricks and mortar New Zealand desperately needs to reform the tax treatment of mortgage interest and capital gains on investment properties. Despite the fact that this will not be in my best interest. There are too many bleating short sighted, self interested investors in this debate. We all knew that such a good thing couldn't last forever.

Phil
09 Feb 2010 2:47p.m.

I own an accountancy practice and have many clients that own investment properties. I would assess that the vast majority of these clients know that they are bucking the system, albeit legally. They know, and sometimes admit, that the system is morally bankrupt, but they don't make the rules, only play by them. In the interest of fairness and an equitable system that encourages capital to be invested in productive assets and not merely bricks and mortar New Zealand desperately needs to reform the tax treatment of mortgage interest and capital gains on investment properties. Despite the fact that this will not be in my best interest. There are too many bleating short sighted, self interested investors in this debate. We all knew that such a good thing couldn't last forever.

Janine
09 Feb 2010 2:22p.m.

We have 2 rental properties in CHC and if they take away the tax refund we get for the losses we pay for out of our own income. Then we will have no choice but to increase the rentals. We have an elderly couple paying 300 a week and we pay the other $100 a week out of my pocket, if we can't claim a third of that back. Thats right we can only claim a third which means the rest really does come out my own income. Then we have to increase rents. They can't afford to be paying $400 a week, they are on a tight enough budget as it is. There are some out there that are abusing the system and yes they need to be found out and made to pay. But some are running it properly and do not overcharge their tenants and have respectful tenants. Lets hope this is taken away from those who really need it. If rents go up, so do Work and Income payments as this is where most of the increase in rent is going to come from, and more people are going to need food banks as housing for the most is more important than food. Or we will see a huge amount of properties going on the market and no rentals left for any tenants. As LAQCs get shut down for good. We aren't rich we live on 1500 after tax a fortnight, now minus the 800 of that that goes to the Bank. Maybe those who have investment properties that are paid off should pay higher tax, not though how are doing this the legal way and not misusing the system.

dale herron
09 Feb 2010 1:26p.m.

If my rent go,s up and gst too, back to oz we go

cherie
09 Feb 2010 11:36a.m.

I would be advising all tenants to get themselves into a long lease.
There is already a housing shortage and if they hammer property investors so everyone can put there money into safe options like the share market (yeah right)people will not invest for their retirement in property and the situation will get worse.
People always hammer property investors but hey they are saving for their retirment and most continue to pay privately for medical ops etc staying out of the public purse.
It would be false economy.
It is not only the rich who have a second property. Many have levereged against their own home with enormous debt waiting for capital gain to kick in. Without depriciation many will not be able to keep their retirement investment.
Rents will indeed rise effecting the lower incomes.
Dumb idea!!

Lightseed
09 Feb 2010 8:45a.m.

So Jk, just because you have struggled to get a rental property doesn't mean you should be allow to use loop holes that mean you get a far greater return of tax than you pay. Which by doing so is making other people pay for the government services you use.

cyril
08 Feb 2010 10:45p.m.

Every Govt says 'save for your old age' then does everything they can to penalise anyone who trys to.

Wgtn
08 Feb 2010 10:13p.m.

You're running a business Jk, people that get into the property market either do it properly or not at all in my view.

Some landlords can be very slack on the whole maintenance and safety issues, however thats not saying you are... just that I've seen it.

The prices on some rental properties are out of this world in my view,

Wages arent going up nearly as fast as prices on goods and services including rentals.

Doing this is a business, therefore you should be taxed.. like all of the rest of us do even, i.e even if it's just to save money, we get taxed.

If you cant run a business profitably like everyone else who have to deal with taxes then you shouldnt be doing it.

I believe the housing sector has been in need of much stricter legislation for quite some time, I believe it will get rid of those who truely cant afford to be in the investment market and will help lift the quality of available housing.

Many people in the housing market have been milking the system for far too long another substantial problem is that many people have had their lives endangered by the quality of landlords available out there and this should help fix that.

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