Property Apprentice Podcast

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Are we really in a flat NZ property market, or are you missing out on hidden bank payouts? In this episode of the Week in Review, Debbie Roberts from Property Apprentice unpacks a fascinating shift in how wealth, property, and debt are managed in New Zealand.
If you are feeling the pinch, Reserve Bank Chief Economist Paul Conway explains why: it is fundamentally an issue of purchasing power. Although inflation has slowed, overall prices have surged by approximately 26% since 2020. Debbie explains why monetary policy won't save us, why New Zealand remains structurally expensive, and how successful investors are actively pivoting to adding value instead of waiting for lazy capital gains.
In this episode, we also cover: 
🚨 Bank "Loyalty Payouts": How banks are actively offering cash retention payments of 0.25% to 0.4% to existing home loan customers just to stop them from refinancing. 
📉 The "Flat Market" Myth: Why the national "sideways" trend is an illusion. We dive into Cotality data revealing that 56% of tracked suburbs actually recorded flat or rising house values. 
🔮 Forecast Reversal: Why ANZ economists went from predicting a 5% increase to a 2% fall in house prices for 2026 amid the conflict in the Middle East. 
👴 The Retirement Gap: With mandatory KiwiSaver contributions rising to 3.5% from the 1st of April, Sharesies data shows four in ten Kiwis could still fall short of a basic, "no-frills" retirement.
📢 FREE MASTERCLASS: How to Succeed with Property Investing Times of broader uncertainty often create the best local opportunities. Join our free online masterclass to learn how to spot the right opportunities, protect your cash flow from inflation, and build wealth safely step-by-step. We are a Kiwi-owned and operated business. Because we don't sell property, our financial advice and coaching support is completely unbiased. 
👉 Register here: www.propertyapprentice.co.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 landlords losing their leverage? In Episode 8 of New Zealand Property Insights, Paul and Debbie Roberts unpack a massive divergence in the national rental market, explain how homeowners are fighting back against inaccurate council flood maps, and break down the government's brand new regulations for property managers.
In this episode, Paul and Debbie cover:
The Rental Market Divergence: A tale of two cities. We break down the latest data showing Wellington's rental stock has surged by 54.2%, causing average rents to drop by 8.9%. Meanwhile, regions like Hawke's Bay have seen stock skyrocket by over 115%. We explain why landlords need to drop their egos, prioritize cash flow, and focus heavily on tenant retention right now.
Fighting Council Flood Maps: We look at a recent case of a Glendowie homeowner fighting Auckland Council over a "flood-prone" designation based on broad-brush 2016 LiDAR data. We explain how sellers can protect their property value with private drainage reports and insurance history, and how savvy investors can use these limb notations to negotiate massive discounts.
Property Management Regulated: Finally! Associate Minister of Housing Tama Potaka has announced a new government-backed framework to regulate residential property managers. We explain what the new public register means for you, and why the mandate for separate audited trust accounts will finally force the "cowboys" out of the industry.
Whether you are trying to fill a vacant rental, looking to buy a discounted property, or want to make sure your property manager is handling your money legally, this episode is packed with essential advice.
Resource Links: 📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: https://www.propertyapprentice.co.nz/auckland-events/
🏠 Book a Free Chat: Need to stress-test your strategy? 
Book a free, no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/
💻 Website: https://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.

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Are property investors really just "unproductive speculators"? In Episode 7 of New Zealand Property Insights, Paul and Debbie Roberts dismantle this long-standing myth with hard economic data. Plus, they break down the latest REINZ figures and provide a crucial survival guide for those currently trapped in negative equity. 
In this episode, Paul and Debbie cover:
The $24.8 Billion Truth: A new Infometrics report commissioned by the NZPIF proves that private residential property investors are a massive economic engine. Investors generate $24.8 billion in value-added economic activity, making up 5.9% of New Zealand's GDP. By spending $4.1 billion on maintenance and $10.7 billion on new builds, investors sustain 126,000 jobs across the country. 
The 'Patient' Market: The latest REINZ data shows a market that is moving at a deliberate pace. The national median sale price rose 3.2% year-on-year to $795,000, while sales volumes remained relatively flat. With the national median time to sell sitting at 56 days, Paul and Debbie explain why this "standoff" is actually an educated investor's best friend. 
Surviving Negative Equity: Cotality estimates that 5,000 people who bought at the 2021 market peak have recently sold at a loss, and around 1,700 first-home buyers have had their 20% deposits wiped out. If you are currently underwater on your mortgage, Paul and Debbie share practical steps to survive—including restructuring with your bank, finding a boarder, and manufacturing your own equity through DIY improvements. 
Whether you are looking to understand the true value of your investment business or just need a clear plan to navigate a flat market, this episode provides the factual insights you need.
Resource Links:
📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: https://www.propertyapprentice.co.nz/auckland-events/
🏠 Book a Free Chat: Need to stress-test your strategy? Book a free, no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/
💻 Website: https://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.

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Is it finally getting easier to buy a house in New Zealand? In Episode 6 of New Zealand Property Insights, Paul and Debbie Roberts unpack the latest data showing housing affordability is at its best level in nearly a decade. Plus, they issue a massive warning about a deceptive "get-rich-quick" scheme making a comeback in the real estate market.
In this episode, Paul and Debbie cover:
The Affordability Equation: Why the "handbrake is off" for the property market. We break down the latest Cotality data showing it now takes an average of 9.6 years to save a deposit, down from the peak of 13.4 years. Wellington is currently the most affordable main centre with a 6.4 value-to-income ratio, while Tauranga remains the least affordable at 8.5.
The Property Flipping Trap: A serious warning for both buyers and sellers. We expose the "contemporaneous settlement" tactics used by unlicensed property traders and "gurus" to make quick profits off unwitting vendors. We explain why these schemes leave everyday Kiwis at risk of losing their deposits or facing massive tax bills from the IRD.
The Rental Squeeze: Tenant demand is surging, with rental enquiries up 35.5% in February. However, rents are barely budging—with Auckland up just 0.7% and Wellington actually falling by 7.4% year-on-year. We explain why we are in a highly price-sensitive renter's market and why landlords need to prioritise tenant retention over rent hikes.
Whether you are looking to buy your first home, expand your portfolio, or just want to ensure your current rentals are protected, this episode provides the factual, evidence-based insights you need.
Resource Links: 📅 Free Online Event: Learn how to succeed in any market cycle. Register for the next "How to Succeed with Property Investing" event here: https://www.propertyapprentice.co.nz/events 
🏠 Book a Free Chat: Need to stress-test your strategy? Book a free, no-obligation chat with Paul Roberts: https://www.propertyapprentice.co.nz/free-strategy-call/
💻 Website: https://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.
Is a volatile global market your best window of local opportunity? In this episode, Debbie Roberts from Property Apprentice breaks down why you shouldn't let overseas headlines dictate your financial strategy.
We explore why top economists believe the Middle East conflict won't crash the local property market, and why pulling your money out of KiwiSaver right now is a dangerous move.
Key Topics Discussed:
The "Pump Tax": How higher global oil prices will squeeze household disposable income .
Auckland's Intensification: The pushback from residents over 15-story apartments and the reality of townhouse development .
The End of Speculation: Why the "Sharesies generation" is pivoting to managed funds, and how true property investors manage the fear of Capital Gains Tax .
A $27 Billion Crisis: 90% of NZ homes need immediate maintenance . Debbie shares tips on regular upkeep to avoid massive bills .
Rent Milestones: Central Otago's rental stock has plummeted 24%, driving average rents past $900/week .
📢 FREE EVENT: How to Succeed with Property Investing Learn to navigate the current market with confidence at our live, 100% independent online masterclass . 👉 **Register here:** 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.