New Zealand has underbuilt housing for nearly half a century. But what does that really mean for investors in 2025? In this powerful sit-down, mortgagehq’s Andrew Malcolm goes deep with Simplicity’s Chief Economist Shamubeel Eaqub to expose the 47-year housing supply hole that's still reshaping rent yields, investor confidence, and long-term affordability across New Zealand. Learn more: https://mhq.co.nz/property-investment/47-years-of-underbuilding-why-supply-is-still-the-property-investors-bes...
Jul 23, 2025•11 min•Ep. 273
Is the investor exodus over - or just getting started? In this heavyweight economic deep-dive, Andrew Malcolm sits down with ASB Chief Economist Nick Tuffley to unpack the three pillars that are quietly reshaping the New Zealand property landscape Learn more: https://mhq.co.nz/property-investment/investor-exodus-or-re-entry-how-jobs-population-and-rent-yields-are-rewriting-the-rules/...
Jul 23, 2025•14 min•Ep. 272
Most people panic when house prices go flat. But the smartest investors? They get rich when it’s quiet. In this week’s elite sit-down, mortgagehq's Andrew Malcolm is joined by CoreLogic’s Kelvin Davidson to expose the truth behind New Zealand’s flat price cycle - and why rising yields are the quietest weapon in the investor arsenal right now. Learn more: https://mhq.co.nz/property-investment/flat-prices-fat-yields-the-silent-investor-advantage-in-2025/...
Jul 23, 2025•13 min•Ep. 271
NZ Property - You Had Questions. We’ve Got Answers. When the Reserve Bank sends mixed signals, interest rates whiplash, and granny flat rules flip overnight — who do Kiwis turn to? You asked. We listened. Now we're answering. This episode is powered entirely by your questions - the real, raw, unfiltered ones that cut through the noise. No fluff. No dodging. Just honest answers from the frontline. Learn more: https://mhq.co.nz/property-investment/f-bombs-ocr-chaos-granny-flat-drama-viewer-qa-unce...
Jul 23, 2025•31 min•Ep. 270
Auckland just changed the rules - and it’s going to send shockwaves through the property game. In this deep dive, we unpack the bold new zoning laws that could allow 15-storey buildings in areas once capped at just three. This isn't just about height. It's about money. Power. And the future of your street. If you're a property investor, developer, homeowner, or even a tenant in Auckland, this changes everything. Learn more: https://mhq.co.nz/property-investment/the-15-storey-play-why-aucklands-n...
Jul 23, 2025•13 min•Ep. 269
📊 Not Sure Where You Stand Right Now? Use our free Mortgage Snapshot to check your structure, risk exposure, and options. 👉 Try the Mortgage Snapshot Tool https://mhq.co.nz/mortgage-calculator/#/ 📗 Want the Property Strategy That’s Worked for Thousands of Kiwis? Get Andrew Malcolm’s playbook—The Three Property Formula. 👉 Get the Book Here https://mhq.co.nz/the-three-property-formula-book/ Learn more: https://mhq.co.nz/property-investment/the-nz-economy-just-stalled-is-your-property-portfolio...
Jul 23, 2025•12 min•Ep. 275
Everyone’s celebrating the rate cuts… but should they be? In this elite drop, we rip the wrapping off the 2025 RBNZ narrative. While headlines shout “relief”, the data whispers “trap.” This isn’t just a monetary policy shift—it’s a psychological bait-and-switch designed to lull Kiwi investors into complacency. And if you fall for it, you could be walking straight into a leveraged firestorm. Learn more: https://mhq.co.nz/property-investment/ocr-cuts-but-no-party-why-investors-should-rethink-their...
Jul 08, 2025•12 min•Ep. 268
A Rate Cut Is Coming in 2025… But Most Investors Are Still Asleep. While headlines scream “market slowdown,” the smart money is already moving. In this episode, we break down exactly why savvy New Zealand property investors are quietly buying now — before the 2025 rate cut flips the market on its head. This isn’t guesswork. It’s strategy. And it’s happening beneath the surface — off-market deals, regional targeting, and interest-rate positioning are all playing a part in this stealth accumulatio...
Jul 07, 2025•16 min•Ep. 267
NZ’s Real Housing Hotspots EXPOSED: Where Smart Investors Are Shifting Focus Everyone’s distracted by Auckland. But under the radar, NZ’s regional markets are erupting — and if you're not watching closely, you’re already behind. In this episode, we pull back the curtain on the quiet boom happening outside the main centres. From Tauranga to Timaru, we break down the real data, council signals, and infrastructure plays that are sending property values surging — while Auckland drags its feet. Learn...
Jul 07, 2025•10 min•Ep. 266
Mortgage Snapshot: https://mhq.co.nz/mortgage-calculator/#/ Is New Zealand’s Reserve Bank asleep at the wheel… or are they quietly prolonging your pain? In this episode, we expose the hidden consequences of the RBNZ’s inaction. Despite global shifts and local pain, New Zealand is stuck in a slow, grinding recession - and the Reserve Bank isn’t flinching. Learn more: https://mhq.co.nz/mortgage/is-the-rbnz-letting-nzs-recession-drag-on/...
Jul 06, 2025•14 min•Ep. 265
▶️ Missed Part 1? Start here: NZ Granny Flats: What Councils Don’t Tell You (But We Will) https://youtu.be/QC4jYY3cq14 Are councils quietly sabotaging your dream to build a granny flat? In Part 2 of this explosive series, we expose the hidden rules, surprise cost traps, and local loopholes that could destroy your plans before they begin. Learn more: https://mhq.co.nz/property-investment/granny-flats-part-2-the-truth-about-hidden-rules-cost-traps/...
Jul 03, 2025•40 min•Ep. 264
$4B in Subsidies. Who got paid - and what’s coming next? The government just pumped $4 billion into the system... but no one’s talking about who actually benefits - or what this means for the property market. This isn’t theory. It’s not hype. It’s a coordinated capital shift, and if you’re an investor, landlord, or future buyer... you need to see what’s unfolding. Learn more: https://mhq.co.nz/property-investment/4b-in-subsidies-why-nz-investors-need-to-watch-the-governments-next-move/...
Jul 01, 2025•12 min•Ep. 263
📍 The Most Unexpected Land War in NZ Property History 🔥 IKEA. Billion-dollar expansion. One ancient karakia. And it could all come undone—before they even lay a single foundation. This isn’t clickbait. It’s New Zealand in 2025 - where land, law, and legacy collide, and where a prayer isn’t just symbolic. It’s legally protected. In this explosive exposé, we uncover how a single spiritual challenge under tikanga Māori could halt IKEA’s newest megastore in its tracks—and reshape the future of lar...
Jul 01, 2025•16 min•Ep. 262
The NZ Housing Market Is Waking Up: Are You Ready to Move First? The New Zealand housing market 2025 is shifting — fast. After a brutal downturn, signs of a property market recovery are emerging, and smart investors are already positioning themselves for the next wave. In this essential market update, we unpack the REAL story behind the NZ housing recovery — what's driving it, where the upside lives, and which trends investors are stalking before the headlines catch up. Learn more: https://mhq.c...
Jun 29, 2025•14 min•Ep. 261
The numbers are in — and the message is mixed. In this June 2025 housing market update, we break down what’s actually happening across New Zealand property right now. Is the market stuck in its “deep freeze” phase, quietly sliding beneath the surface, or gearing up for a surprise breakout? ⚠️ Why This Update Matters Now: New Zealand’s housing market isn’t moving in one direction — it’s fragmenting. Some suburbs are sliding. Others are flatlining. A few are just starting to twitch back to life. B...
Jun 23, 2025•13 min•Ep. 257
Is New Zealand’s housing market really recovering—or are we being sold a politically convenient illusion? In this episode, we sit down with Miles Workman, Senior Economist at ANZ, to dissect the uncomfortable reality behind the so-called “housing recovery” dominating headlines. Forget the spin. This conversation cuts through the noise and lays bare what’s actually happening in the market—and what’s coming next. 📉 From household debt stress to interest rate stickiness, from investor hesitation t...
Jun 23, 2025•14 min•Ep. 254
South Island vs North: Who’s Winning the Property War? 📍 The NZ Property Divide Just Got Real Which island is actually winning the war for property wealth? North Island may have the population and Auckland's price gravity, but the South Island is fighting back with affordability, lifestyle appeal, and pockets of outrageous growth. From Queenstown's million-dollar rise to Invercargill’s hidden yield gems — this is not your usual island comparison. 🚀 For Every Kiwi Investor Who Wants to Win Whet...
Jun 23, 2025•10 min•Ep. 253
The tide is turning. Interest rates are dropping. Confidence is rising. Buyers are back. But here’s the brutal truth: does any of that actually make housing more affordable for you? In this episode, we bring on Kelly Eckhold, Chief Economist at Westpac NZ and one of the sharpest minds in the game, to unpack The NZ Housing Reset — a moment economists, property investors, and first-home buyers have been waiting for. But is it a lifeline… or a head-fake? This isn’t just another update. It’s a full-...
Jun 23, 2025•15 min•Ep. 251
Most Kiwis think they’re property winners. They’re not. Property values might be up. The headlines are screaming recovery. Your neighbour just made another $100K “on paper.” But behind the noise? A harsh truth most people can’t see: You’re not richer. You’re just more leveraged. In this brutally honest breakdown, we expose the illusion propping up the NZ housing market—where rising values mask falling financial security. Most Kiwis are walking into a trap: borrowing more, saving less, and mistak...
Jun 23, 2025•13 min•Ep. 250
Getting approved for a mortgage in New Zealand shouldn’t feel like a mystery. But for most first-home buyers, it’s a nightmare. Banks are tightening. The rules keep shifting. And even good borrowers get declined for silly reasons. This is everything you wish your bank told you upfront. Watch now to protect your deposit and boost your chances. Learn more: https://mhq.co.nz/mortgage/how-to-get-approved-fast-in-nz-even-in-2025/...
Jun 23, 2025•13 min•Ep. 249
Liquidated. Banned. Broke. We Exposes the Dark Side of NZ Business Failures" 🎯 In this explosive episode, we sit down with Kevin from Principle Insolvency, the man who's been in the trenches of corporate collapse for decades. From front-row seats to serial financial crime, to the insider truth behind banning orders and liquidation loopholes, Kevin pulls back the curtain on the real stories no one talks about. 🚨 Is Kenyon Clarke in serious trouble? 💣 Will we see management banning orders again...
Jun 23, 2025•23 min•Ep. 248
💰 NZ Mortgage Structure Strategy: Save Thousands & Pay Off Your Home Faster 💰 Most Kiwis treat their mortgage like they treat their barbecue — throw everything on, slam the lid shut, and hope nothing burns. But that’s exactly why 90% of them are getting torched by their own loan structure. In this episode, the man with a name like a Bond villain returns. And Zhyang Cheng isn’t just MortgageHQ’s secret weapon — he’s the Jedi Master of loan structure strategy. His weapon? A triple-bladed lig...
Jun 23, 2025•13 min•Ep. 247
📉 OCR Just Dropped: BNZ Chief Economist Reveals What Happens Next for Mortgages, Rates & NZ 🚨 The Reserve Bank has just cut the Official Cash Rate (OCR) by 25 basis points — from 3.50% to 3.25% — sending shockwaves through New Zealand’s mortgage market, financial sector, and economic forecast. But what does this really mean for you? In this exclusive, unfiltered episode, we sit down with BNZ Chief Economist Mike Jones to decode the full impact of the rate cut — and what’s coming next. Whet...
Jun 23, 2025•10 min•Ep. 246
The Truth About NZ Property in 2025—Not the Version You’ve Been Fed Forget the fluff. This is not another recycled update echoing the headlines. In this elite-level breakdown, we go deep into the New Zealand housing market of 2025—laying out the data, decoding the signals, and exposing the patterns the mainstream won’t touch. This video delivers what property investors, first-home buyers, and serious market watchers actually need to know to navigate the storm. Are house prices really rebounding?...
Jun 23, 2025•17 min•Ep. 244
Can you actually build a granny flat in 2025? And if so, what’s the catch? You asked the hard questions — and today, we answer them. In this video, we tackle the real-world challenges and possibilities of building a granny flat in New Zealand right now. No sales pitch. No sugar-coating. Just direct answers to the most common questions Kiwi homeowners and investors are asking. 💬 Do I need council consent for a granny flat? 💬 How big can I build — and where? 💬 What if I already have a minor dwe...
Jun 23, 2025•19 min•Ep. 260
NZ house prices have hit a wall - but the media headlines aren’t telling you the full story. In this video, we break down exactly why the New Zealand housing market feels stuck, what’s freezing both buyers and sellers, and what this strange stalemate really means for your next move. If you're confused about: Why listings have vanished Why sellers aren’t dropping prices (even when no one's buying) Why buyers are ghosting the market Whether a crash, rebound, or prolonged stagnation is coming... Le...
Jun 23, 2025•12 min•Ep. 259
Think you’ve budgeted for your next property deal? Think again. In this must-watch episode, we’re lifting the lid on the hidden costs most Kiwi investors overlook—Infrastructure Contributions and Growth Charges. You might’ve heard the horror stories… A simple granny flat project suddenly slapped with a $25,000+ fee. A residential development derailed by council contributions that no one warned you about. These aren’t rare surprises - they’re happening every day in New Zealand. And if you’re buil...
Jun 22, 2025•11 min•Ep. 258
The Reserve Bank is on the ropes. With inflation still sticky, borrowing costs sky-high, and investor confidence cracking—can the RBNZ actually save the New Zealand housing market? Or are we watching the slow-motion collapse of a system built on cheap debt and blind optimism? This isn’t a feel-good fantasy. We’re cutting through the fluff with data, strategy, and sharp commentary. The OCR isn't just a number—it's a psychological weapon, a policy gamble, and the last line of defence between the K...
Jun 17, 2025•10 min•Ep. 255
The Reserve Bank is trapped. Inflation is rising. Trade winds are shifting. And New Zealand’s property market is stuck in a dangerous freeze. In this episode, we break down the unwinnable economic dilemma facing the RBNZ — and why any decision they make now could have brutal consequences. 🏠 Lower interest rates to save housing? That could reignite inflation. 📈 Hold the line on inflation? That could collapse the already-staggering property sector. This isn’t just a policy problem — it’s a full-...
Jun 17, 2025•15 min•Ep. 256
The NZ Budget 2025 just dropped a bombshell – KiwiSaver is about to change. Whether you're 25 or 55, these shifts could radically alter how you plan for retirement. From contribution tweaks to new government incentives (or cutbacks), the KiwiSaver you thought you knew may no longer be the same. And if you’re not ready, it could cost you tens of thousands in your future nest egg. In this breakdown, we take you inside the key KiwiSaver reforms revealed in Budget 2025, explaining what they actually...
Jun 12, 2025•5 min•Ep. 243
