She's also honoured to wear the IndieReader Badge for being a Top 10 Indie Bestseller, and recently signed a two book deal with Hachette. She's an #1 iBooks bestseller, along with #1 in Erotic Romance, Romantic Suspense, Contemporary, and Erotica Thriller.

She strives to write a story that makes the reader crave what they shouldn't, and delivers tales with complex plots and unforgettable characters.Īfter chasing her dreams to become a full-time writer, Pepper has earned recognition with awards for best Dark Romance, best BDSM Series, and best Dark Hero. She loves dark romance, star-crossed lovers, and the forbidden taboo. However, if the country goes into recession as many economists are picking, it will increase the prospect of some home owners sliding into negative equity.ĬoreLogic estimates about 2,000 recent first home buyers may now be in negative equity, with their mortgage debt being greater than the value of their home.Pepper Winters is a New York Times, USA Today, and Wallstreet International Bestseller. “The generalised peak in mortgage rates will start to increase buyers’ confidence in the coming months, while employment remains high, alongside a slight decline in available listings and rising immigration.” “The slowdown in the rate of decline could be signalling a near term floor for house prices, which is consistent with some shifting trends in key drivers,” he says. The average house value across Auckland dropped 13.5% to $1,314,548 last month from $1,520,341 in March last year.ĬoreLogic chief property economist Kelvin Davidson says there are signs property values may be starting to flatten out. Within the Auckland region average values are now down more than $200,000 in central Auckland, the North Shore, Waitakere and Manukau compared to March last year. Wellington city has had the biggest drop in values from -$226,468 in the city’s central and southern suburbs to -$329,035 in the western suburbs. That is down $114,605, or 11%, since the peak in March last year. While modest for the month of April, it gives potential buyers new options, with total listings at month’s end being 4,684.Īverage home values nationally down by $114,600ĬoreLogic’s latest House Price Index shows the national average property value was $928,656 last month. “In spite of slow sales numbers new listings continue to reach the market, and in April 1,090 new properties were listed. “It means that buyers who are prepared to commit are buying properties comparable to where prices were at 24 months ago,” Thompson says. “Vendors are accepting that to make a sale they need to adjust their price expectations, but they are not prepared to take any price just to achieve a sale. “Based on the number of sales made in April, winter has come early for the Auckland housing market,” said Peter Thompson, managing director of Barfoot & Thompson.

Final Debt by Pepper Winters