http://www.cameronrolls.co.nz/blog/ The latest Blog feeds from www.cameronrolls.co.nz en-us Tue, 15 Sep 2026 17:53:50 +1200 Rocketspark http://www.cameronrolls.co.nz/blog/post/169719/are-bank-cash-incentives-taxable-for-property-investors/ The Tax Treatment of Mortgage Cashbacks on Investment Property Loans Bank cash incentives, often referred to as mortgage cashbacks or cash contributions, have become increasingly common in New Zealand. Property investors refinancing existing lending or purchasing a new rental property may receive thousands of dollars from the bank as an incentive to move their borrowing. Many investors assume these payments are simply "free money" and therefore have no tax consequences. Unfortunately, the positi... Fri, 04 Sep 2026 18:55:49 +1200 http://www.cameronrolls.co.nz/blog/#post169719 http://www.cameronrolls.co.nz/blog/post/169666/why-every-property-investor-should-document-a-bare-trust-arrangement/ Parents Helping Children Into Their First Home? Make Sure the Paperwork Matches the Reality. With house prices continuing to challenge first-home buyers, it is common for parents to assist children into the property market. Sometimes parents contribute a deposit, provide security to the bank, or even go on the property's legal title to help satisfy lending requirements. While these arrangements are often entered into with the best intentions, failing to properly document the arrangement can crea... Thu, 03 Sep 2026 21:27:37 +1200 http://www.cameronrolls.co.nz/blog/#post169666 http://www.cameronrolls.co.nz/blog/post/169351/understanding-3-way-forecasting-for-bank-lending/ Why banks increasingly require more than just a profit forecast, and how a well-prepared 3-way forecast can improve your chances of securing finance.Whether you're looking to purchase a business, invest in equipment, develop property, or simply increase your working capital facilities, there's a good chance your bank will ask for a 3-way financial forecast.Many business owners are familiar with budgets and profit forecasts, but a 3-way forecast takes financial planning a step further. It provide... Fri, 28 Aug 2026 20:47:22 +1200 http://www.cameronrolls.co.nz/blog/#post169351 http://www.cameronrolls.co.nz/blog/post/168944/why-profit-doesnt-equal-cash-and-why-business-owners-need-to-understand-the-difference/ One of the most common frustrations for business owners is looking at a set of accounts that shows a healthy profit, only to find there is very little money in the bank account. If you've ever wondered, "How can we be making money but still feel short of cash?", you're not alone. Understanding the difference between profit and cash flow is one of the most important financial concepts for any business owner. It's also one of the most misunderstood. Profit and Cash Are Not the Same Thing Profit is... Fri, 21 Aug 2026 16:46:41 +1200 http://www.cameronrolls.co.nz/blog/#post168944 http://www.cameronrolls.co.nz/blog/post/168774/the-5-numbers-every-business-owner-should-review-monthly/ Most business owners are busy running their business and serving customers. Unfortunately, many don't review their financial results until it's time to prepare their annual accounts and tax returns. By then, it's often too late to influence the outcome. Reviewing a handful of key numbers each month can help you make better decisions, improve profitability and avoid unpleasant surprises. 1. Revenue How much money came into the business this month? While revenue isn't everything, it's often the fi... Fri, 14 Aug 2026 22:39:40 +1200 http://www.cameronrolls.co.nz/blog/#post168774 http://www.cameronrolls.co.nz/blog/post/168730/why-good-accountants-talk-about-wealth-not-just-tax/ Most people think accountants help with tax returns, GST, and financial statements. While those things are important, they're only part of the picture. A good accountant shouldn't just tell you what happened last year. They should help you make better decisions about where you're going next. After all, the purpose of a business isn't simply to minimise tax. It's to build wealth, create opportunities, and achieve the lifestyle and financial goals that matter to you. Looking Beyond Compliance Man... Thu, 13 Aug 2026 19:26:51 +1200 http://www.cameronrolls.co.nz/blog/#post168730 http://www.cameronrolls.co.nz/blog/post/147229/when-is-something-new-investment-boost/ Investment Boost applies to ‘new’ assets. A new asset is something which first becomes available for use in New Zealand on or after 22 May 2025. There is an exclusion to ensure that an asset which is sold but has been used as trading stock is still eligible. For example, a car yard will have vehicles available to be test driven prior to sale. As these are being held by the car yard as trading stock (rather than a depreciable asset of the car yard), when that vehicle is sold to its first owne... Sun, 15 Jun 2025 22:15:52 +1200 http://www.cameronrolls.co.nz/blog/#post147229 http://www.cameronrolls.co.nz/blog/post/144519/why-its-a-smart-idea-to-prepare-financial-statements-for-trusts/ With the IRD upping the reporting requirements for trusts, it’s more important than ever to stay on top of your paperwork. Even if your family trust is considered non-active and isn’t earning income, preparing financial statements is still a smart move. Here’s why:- Keeping Records in Check: Trustees need to hang on to documents that show what the trust owns and owes—it’s part of the job.- Transparency for Beneficiaries: Beneficiaries have a right to know what’s going on with the tru... Tue, 22 Apr 2025 18:46:00 +1200 http://www.cameronrolls.co.nz/blog/#post144519 http://www.cameronrolls.co.nz/blog/post/144114/protect-your-business-with-smart-insurance-choices-a-guide-from-cameron-rolls/ Running a business comes with its fair share of risks, from unexpected disasters to cybersecurity breaches. At Cameron Rolls: Accounting, Advisory, and Virtual CFO, we believe that safeguarding your business is a critical step toward long-term financial success. To help you protect what you’ve worked so hard to build, we’ve outlined seven essential types of business insurance every business owner should consider. 1. Property Insurance If your business owns physical property—such as buildin... Fri, 11 Apr 2025 14:07:09 +1200 http://www.cameronrolls.co.nz/blog/#post144114 http://www.cameronrolls.co.nz/blog/post/138924/tax-guide-for-content-creators-in-new-zealand/ Navigating Your Tax Responsibilities with Cameron Rolls - Chartered AccountantsContent creation is an exciting and growing industry, with creators earning income from platforms like YouTube, TikTok, Instagram, and others. But as this industry grows, so does the IRD’s focus on ensuring creators meet their tax obligations. Here’s a clear and concise guide to help you understand your responsibilities.Am I Running a Business or Pursuing a Hobby?The distinction between a business and a hobby is c... Thu, 05 Dec 2024 16:00:41 +1300 http://www.cameronrolls.co.nz/blog/#post138924