She Owns This

Interest rates are high, cost of living is high, and most investors with 100% lending are topping up their property every week. This episode of She Owns This breaks down exactly what a top-up includes, the triangle principle that explains why you can’t have everything, and five strategies to make your investment property work harder.
You'll learn:
What a property top-up actually includes: mortgage interest, rates, insurance, management fees, maintenance and vacancy, not just the mortgage
The cash flow triangle: why you can usually only have two of high growth, high yield and no deposit
Interest-only mortgages: how they improve cash flow and when to switch back to principal and interest
Using a larger cash deposit to get an NZ investment property to cash flow positive
Adding a minor dwelling: when the extra rent covers the extra borrowing, and when it doesn’t
Renovating for yield: how it can quietly turn a growth property into a specialist one
Using Opes+ to model deposit size, interest-only and renovation scenarios side by side
A top-up isn’t a loss. It’s a contribution to an asset that should be growing faster than it costs you.
Women should own half the world. Come own it with us.
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Airbnb apartments get pitched to property investors with impressive yield projections. The real numbers almost never match. This episode of She Owns This breaks down the 2026 MBIE ruling that changed Christchurch Airbnb rules, the actual costs developers leave out, and a real side by side comparison that settles the debate.
In this episode:
The 2026 MBIE ruling explained: why Christchurch apartment owners now need council permission to run an Airbnb, and what it means for the 5,000 listings already operating
Airbnb rules compared across Christchurch, Auckland, Queenstown Lakes and beyond: night limits, consent requirements and the councils cracking down hardest
The GST trap: why some Christchurch one-bedroom apartments advertised at $265,000 actually cost over $300,000 once GST is added
The real numbers: a $560,000 Christchurch CBD apartment run as Airbnb versus a $560,000 two-bedroom townhouse run as a long-term rental, cost by cost
Why the Airbnb apartment comes out negatively geared by over $200 a week while the townhouse sits closer to neutral, with better capital growth and a far wider resale buyer pool

A property that only works as an Airbnb has one exit strategy, and the rules keep getting harder. Here is why a long-term rental almost always wins.
Women should own half the world. Come own it with us.
Don't forget to like and subscribe, and follow us on
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House price headlines say property is more affordable. So what does $500,000 actually buy across New Zealand right now? Stevie found six real listings and dug into the details the advertising copy leaves out.
In this episode:
Six real $500K property listings across Howick, Christchurch, Lower Hutt, Southland, Wellington and Auckland Central, compared side by side
Why a one-bedroom no-carpark apartment in Auckland has a 2.9% yield and almost no resale buyer pool
Why Linwood in Christchurch is one of the more sensible $500K buys on the list right now
Why Stokes Valley in Lower Hutt has seen the biggest house price fall since peak anywhere in NZ
The Wellington apartment with $10,000 a year in body corporate fees that's sold for less than it did in 2017
The Auckland Central listing that looks like incredible value until you spot the GST exclusion and the management lease locked in until 2028
Why bare land in Southland isn't an investment property, no matter how good the price looks
What the $500K market actually reveals about where NZ property is genuinely accessible right now, and where it only looks that way

The price is just the starting line. What it actually buys you is the real story.
Women should own half the world. Come own it with us.
Don't forget to like and subscribe, and follow us on
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OCR, Swap Rates, Market Bubbles, Short Selling, Hedging and more.
The finance industry runs on jargon that is designed to make you feel like an outsider. This episode is the antidote. We decipher the terms, plain English, real analogies, and a rapid-fire format that actually makes it fun.
In this episode:
OCR explained: how the Reserve Bank uses it to control inflation and your mortgage rate
Swap rates: why your fixed mortgage rate is set by markets, not the Reserve Bank
Market bubbles: the dot-com crash and Nefe's rule of thumb for spotting hype
Mean reversion: why prices always come back to their historical average
Market capitalisation: small cap, mid cap, large cap, explained simply
Economic moats: why some companies are nearly impossible to compete with
Short selling: the handbag analogy and the GameStop story
Futures contracts: the carpet analogy and the turnkey building connection
The finance industry benefits from complexity. The actual concepts are not that hard. Here is the proof.
Women should own half the world. Come own it with us.
Don't forget to like and subscribe, and follow us on
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New Zealanders paid $19.7 million in BNPL late fees in 2025. Afterpay's NZ revenue grew 17.4% - during a recession. And 1 in 5 users paid at least one late fee.
This episode of She Owns This explains exactly how these platforms are designed to work on your brain, and your wallet.
You'll learn:
How Afterpay, Zip, and Klarna actually make money in NZ
The NZ consumer data most people haven't seen
The three psychological tricks that make BNPL feel different from debt
Why $100 a fortnight in BNPL repayments redirected into an index fund at 8% average annual return could earn you
Buy Now Pay Later isn't free. It's deferred. And the cost of buying things this way instead of saving for them first shows up over years, not weeks.
Women should own half the world. Come own it with us.
Don't forget to like and subscribe, and follow us on
Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SheOwnsThispodcast