Property Apprentice Podcast

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Why are 65% of New Zealanders under 45 putting major life milestones like buying a home, starting a family, or making career moves on pause? And what really happens when you buy a cross-lease property with an unconsented deck, carport, or extension?
In Episode 24 of New Zealand Property Insights, host Paul Roberts breaks down fresh demographic surveys and financial credit data to expose the underlying truths shaping today's property market.
What You'll Learn in This Episode:
Gen Z & Millennial Financial Pressure: Unpacking the 15th annual 2026 Gen Z and Millennial Survey on Deloitte New Zealand. Discover why cost-of-living concerns weigh heavily on 56% of young Kiwis, how housing costs dictate career choices, and why low-deposit lending options exist for strategic buyers.
Cross-Lease Title Realities & Traps: Demystifying 999-year cross-lease titles in New Zealand. Learn how unconsented extensions create costly defective titles, how to navigate neighbor consent rules, and how converting cross-leases to freehold sections creates instant equity.
Mortgage Defaults & Forced Sales Myth: Examining fresh credit data from Moody's, Property Intelligence Data on Cotality, and the Credit Indicator Report on Centrix. Discover why residential default rates remain near historic lows (111 mortgagee sales in Q2 versus 763 during the GFC) and how bank serviceability stress testing protects homeowners.
🎓 Free Educational Masterclass
Looking to build long-term property wealth without falling into low-deposit traps or high-pressure sales pitches? Join financial adviser Debbie Roberts for our next live online event: How to Succeed with Property Investing.
100% Independent (We do NOT sell real estate)
Zero Sales Pressure
👉 Register Free Here: Property Apprentice NZ
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Disclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.

*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

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Are fake AI photos hiding structural defects on house listings? And how did a social media property coach end up owing $2M to creditors?
In Episode 23 of New Zealand Property Insights, hosts Paul Roberts and Debbie Roberts (owners of Property Apprentice) tackle the biggest ethical, regulatory, and construction cost developments affecting New Zealand property buyers and investors today.
💡 What You'll Learn in This Episode:
AI in Property Marketing: Where is the boundary between low-risk virtual staging and illegal deception? Learn why sky replacements and digital enhancements require strict disclosures, plus the mandatory "Beyond the Frame" question every buyer must ask listing agents.
The $2M Property Coach Collapse: Analyzing the high-profile liquidation of Ashley Dean-Binnie's companies. We unpack the massive regulatory loop-hole between generalized coaching and FMA-regulated financial advice, conflict-of-interest red flags, and why you should never rely on unverified social media influencers.
Residential Build Cost Surge: Breaking down the latest June Cordell Construction Cost Index data from Kelvin Davidson. With build costs accelerating at 3.5% annually, discover how squeezed builder margins impact contract safety, plus how to leverage full LVR and DTI exemptions for new build financing.
🎓 Free Educational Masterclass
Looking to build long-term wealth without falling into risky traps or high-pressure sales pitches? Join financial adviser Debbie Roberts at our next live online event: How to Succeed with Property Investing.
100% Independent (We do NOT sell property)
Zero Sales Pressure
👉 Register Free Here: https://www.propertyapprentice.co.nz
⚖️ Disclaimer
Property Advice Group Limited (trading as Property Apprentice) is a Licensed Financial Advice Provider under the Financial Markets Authority (FSP157564). The information provided in this episode is for educational purposes only and does not constitute personalized financial or legal advice.
Support the show
Disclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.

*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.
Adult kids moving into $31,000 flatpack studios? Investors completely bypassing Auckland to chase high rental yields down south? The standard New Zealand property playbook is being rewritten right before our eyes! 
In this episode of The Week in Review, Debbie Roberts (owner and financial adviser at Property Apprentice) breaks down the 5 biggest stories you need to know to make smart, risk-reduced property decisions. 
Inside This Episode:
📈 Investor Confidence & Regional Shifts: Tony Alexander's latest survey shows landlord confidence stabilizing, with 50% of investor capital targeting Canterbury, Queenstown, Bay of Plenty, and Southland while Auckland lags. 
🏠 The Great NZ Rent Divide: National rents are flat at $620/week, but regional micro-markets tell a different story. While Auckland (-1.5%) and Wellington (-0.8%) soften, Otago (+8%), Nelson/Tasman (+7%), and Canterbury (+5.5%) are surging. 
🏛️ Crown Co-Ownership Proposals: NZ First revives shared equity housing ideas for first-home buyers. Why Kāinga Ora’s First Home Partner scheme is currently full and why bank serviceability test rates matter more than election headlines. 
🔨 The $31K Backyard Pod Boom: With 1 in 3 Kiwi households now housing adult children, new 70sqm consent exemption rules and Bunnings/Elsewhere Pod kitsets are transforming backyard equity. 
🚨 Grow Houses & Landlord Insurance: What 17 West Auckland cannabis grow house busts reveal about legal repossession processes, tenant abandonment rules, and mandatory quarterly inspection clauses.
🔗 Free Property Resources & Education
Register for our next free online event: "How to Succeed with Property Investing" ➡️ www.propertyapprentice.co.nz
Support the show
Disclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.

*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.
Why are 10 percent more Kiwi homeowners choosing to rent out their properties rather than sell them? And how did organized crime syndicates convert 17 suburban Auckland rental homes into illegal grow houses right under self-managing landlords' noses?
In Episode 22 of New Zealand Property Insights, financial adviser Debbie Roberts and experienced investor Paul Roberts (Owners of Property Apprentice) break down fresh June 2026 rental market data from realestate.co.nz and examine critical asset security safeguards for property owners.
First, we analyze the nationwide surge in new rental listings (+10% YoY) driven by Kiwis relocating overseas who are choosing to hold onto their properties as a long-term capital buffer. We explore regional extremes including Wairarapa (+67.6%) and Southland (+32.8%), alongside the sharp stock contraction in Wellington (-25.7%).
Next, we break down an urgent warning from police and tenancy experts following the seizure of 1,532 cannabis plants across 17 West Auckland rentals. We expose the subtle vetting red flags that self-managing landlords miss—from failing ID software to fake referees whose voices change across phone calls—while outlining how to perform rigorous due diligence without violating New Zealand's Human Rights Act.
👉 Register for our next FREE Online Educational Masterclass: https://www.propertyapprentice.co.nz
📞 Book a No-Obligation Strategic Consultation: https://www.propertyapprentice.co.nz/free-strategy-call/
Support the show
Disclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.

*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Send Us A Message! Let us know what you think.
In this episode of the Week in Review, Debbie Roberts, owner and financial adviser at Property Apprentice, cuts through the noise of policy shifts and headlines to unpack the latest real estate data. 
Despite quiet buyer demand, banks are quietly loosening lending criteria, with a net 36% of advisers reporting bank willingness to advance funds—up from just 2% two months ago. Meanwhile, high-density "park-free" townhouses are creating real-world friction, leading to street parking issues, a $100,000 garage sale in Wellington, and tradies charging up to a 30% premium to access parking-nightmare streets. 
Debbie also breaks down the REINZ June figures to show why the national housing market is holding flat rather than collapsing, examines RBNZ Assistant Governor Karen Silk’s comments on housing wealth channels, and exposes the 6-year vacancy scandal surrounding Kāinga Ora state housing in Strathmore Park. 
Topics Covered in This Episode:
Banks Easing Criteria vs. Buyer Hesitation: Why banks are opening their doors while buyers stay home, and how experienced investors can take advantage of the pre-approval conversion gap. 
The Park-Free Townhouse Reality: How government deregulation of parking rules in 2021 is backfiring with street parking chaos, tradie access premiums, and developer catch-22s. 
REINZ June Data & Regional Splits: Why national median prices held steady at $770,000 (+0.7% YoY) and how Canterbury (+4.1% YoY) is outperforming Wellington (-4.5% YoY). 
RBNZ OCR Hike & Falling Wholesale Swap Rates: Why retail banks face no commercial pressure to raise long-term fixed rates despite the OCR moving to 2.5%. 
Wellington Ghost Houses: Kāinga Ora’s bureaucratic gridlock in Strathmore Park leaving prime land vacant for up to six years while over 800 people sit on social housing waitlists. 
Support the show
Disclaimer: The information provided in this video is for educational purposes only and does not constitute personalized financial advice. We recommend seeking advice from a qualified professional before making any investment decisions.

*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.