Leverage Addicts

Every New Zealand property cycle has a danger zone. Summer is it.
More listings. More buyers. More emotion. And for first home buyers in 2025, more ways to make irreversible financial mistakes.

Learn more: https://mhq.co.nz/house-buying/summer-property-traps-2025-the-costly-mistakes-first-home-buyers-keep-repeating/

Book a call: http://go.oncehub.com/10-minute-introductory-call

New Zealand is obsessed with ANZ’s one point five percent cashback war.
But while the country argues over short term savings, real investors are quietly using a completely different playbook to build long term wealth.

Learn more: https://mhq.co.nz/mortgage/the-anz-1-5-cash-war-is-a-distraction-we-reveal-where-real-wealth-is-made/

Everyone in New Zealand is busy moaning about interest rates. Meanwhile, a tiny percentage of investors are quietly building wealth with the cheapest capital in the country. Zero percent money. One percent money. Bank-funded upgrades that literally force capital gains.

Learn more: https://mhq.co.nz/mortgage/the-zero-percent-money-play-how-nz-investors-turn-green-loans-into-faster-wealth-and-bigger-gains/

Every Kiwi wants freedom - time with family, no money stress, and a future that actually feels earned. But between rising interest rates, school fees, and inflation, most people are running harder just to stand still. In this hard-hitting episode, Craig Stanaway sits down with Simon McDonald, Head of Advice at MortgageHQ, to expose how ordinary New Zealanders can retire early, raise financially smart kids, and turn their paycheques into real power.

Learn more: https://mhq.co.nz/tips-tools-strategies/retire-early-raise-legends-the-kiwi-playbook-for-turning-paycheques-into-power/

Welcome to the episode every New Zealand landlord, investor, and tenant needs to hear - the ultimate deep dive into the hidden world of property management in New Zealand. Hosted by Craig Stanaway and featuring Joseph Hickton of Barfoot & Thompson, this conversation rips the lid off what really happens behind the scenes of NZ’s rental market, from tenant selection and maintenance dramas to investor strategy and compliance chaos.

Learn more: https://mhq.co.nz/property-investment/the-truth-about-property-managers-behind-the-scenes-of-nz-tenants-and-rentals/

It’s the story shaking dinner tables and boardrooms across the country. Labour’s latest move — a narrow Capital Gains Tax proposal to help fund free GP visits - has reignited one of New Zealand’s most divisive debates: how far is too far when taxing wealth built on property?

Learn more: https://mhq.co.nz/property-investment/capital-gains-bombshell-will-labours-tax-plan-blow-up-nz-property/

Love’s great. Wealth is better. Combine the two properly, and you’ve got a Kiwi power couple who can take on the world. But most people don’t. Most couples in New Zealand are sleepwalking through the single most valuable partnership they’ll ever have — the financial one.

Learn more: https://mhq.co.nz/property-investment/the-kiwi-power-couple-playbook-turn-your-relationship-into-a-wealth-machine-without-the-divorce/

What if the smartest property investment in New Zealand over the next decade isn’t in Auckland, Wellington, or Christchurch — but just one hour outside them? In this powerful episode, MortgageHQ founder Blandon Leung joins host Craig Stanaway to reveal how NZ’s commuter belt property market is transforming from affordable outskirts into high-yield investment zones for smart Kiwis ready to move early.

Learn more: https://mhq.co.nz/property-investment/the-one-hour-goldmine-how-nzs-commuter-belt-could-outrun-inflation-and-make-you-rich/

The battle lines are drawn.
First home buyers are finally re-entering the market… but investors are circling again - stronger, smarter, and more strategic than ever.

Learn more: https://mhq.co.nz/property-investment/first-home-buyers-vs-investors-the-brutal-truth-about-nzs-2025-property-market/

The waiting is over - the Reserve Bank has repeatedly cut the OCR in 2025.
Interest rates are falling, the OCR is on its way down, and for the first time in years, homeowners and investors are on the front foot again.

Learn more: https://mhq.co.nz/property-investment/the-ocr-cut-playbook-3-moves-smart-homeowners-are-making-right-now/

In this episode, MHQ’s Head of Advice, Simon McDonald, sits down with Zhiyang Cheng, New Zealand’s number one ranked mortgage adviser, to discuss the current state of the property market. The conversation covers a range of topics related to property prices, investing, and long-term thinking.

Simon and Zhiyang talk about what’s happening in the housing market, what investors are doing right now, and how to think about the future. They also touch on interest rates, affordability, and what might happen next.

Learn more: https://mhq.co.nz/property-investment/property-prices-the-long-game-what-smart-investors-do-during-the-downturn-and-whats-next/

Auckland is at war with itself.
On one side — the old guard of villa-lined suburbs, heritage zoning, and backyard nostalgia.
On the other — the new skyline: cranes, towers, and the vertical revolution promising affordability and density.

Learn more: https://mhq.co.nz/property-investment/the-great-auckland-housing-war-villas-vs-towers-and-who-gets-crushed/

The Reserve Bank of New Zealand is standing at a crossroads — and every homeowner, investor, and policymaker is about to feel the impact.

After years of rate hikes, stimulus, and economic whiplash, the RBNZ is quietly rewriting its playbook. The Official Cash Rate (OCR) — once just a technical lever — is now the single most powerful force shaping who wins and who loses in the next property cycle.

Learn more: https://mhq.co.nz/property-investment/rbnz-and-the-ocr-reform-that-could-decide-who-wins-big-in-2026/

Auckland is cracking.
The skyline still glitters, but beneath it, the numbers are bleeding.
Housing affordability has imploded. Productivity has flat-lined. Infrastructure is buckling. And for the first time in decades, the nation’s economic engine is coughing smoke instead of power.

Learn more: https://mhq.co.nz/house-buying/aucklands-breaking-point-housing-costs-productivity-collapse-and-the-investor-edge/

New Zealand is facing a construction collapse like we haven’t seen in over a decade. Building activity is at a 10-year low, projects are being shelved, and developers are walking away. It looks like bad news — but history tells us that when construction falls off a cliff, the stage is set for the next housing boom.

Learn more: https://mhq.co.nz/property-investment/constructions-death-spiral-why-nzs-10-year-low-in-building-work-guarantees-a-housing-boom/

Christopher Luxon is under pressure, and the whispers of a “Luxon coup” are impossible to ignore. In this video, host Craig Stanaway sits down with former Cabinet Minister Maurice Williamson, who served in both the fourth and fifth National governments. Williamson was there in 1998 when Jenny Shipley rolled Jim Bolger to become Prime Minister — a front-row witness to one of New Zealand’s most brutal political takedowns.

Learn more: https://mhq.co.nz/property-investment/luxon-and-the-coup-question-brutal-lessons-from-thatcher-clinton-and-clark/

The New Zealand property market feels flat, lifeless — even dead. But beneath the surface, the next housing shock is already forming. Could 2026 deliver a 5% surge in house prices after years of stagnation?

Learn more: https://mhq.co.nz/house-buying/housings-next-shock-why-2026-could-deliver-a-5-price-surge-from-todays-dead-market/

New Zealand savers are sitting on a mountain of cash — more than $160 billion locked away in term deposits. But with the Reserve Bank cutting rates and returns sinking fast, investors are asking the brutal question: why leave money stuck in the bank when smarter plays are calling?

Learn more: https://mhq.co.nz/mortgage/the-160-billion-exodus-why-kiwi-investors-are-about-to-abandon-term-deposits-and-where-the-money-will-flood-next/

New Zealand’s property market just got hit with one of the most dramatic shifts in years: foreign buyers are back. But there’s a twist - the $5 million entry point. What does this loophole really mean for housing, investment, and the future of Kiwi ownership?

Learn more: https://mhq.co.nz/property-investment/foreign-buyers-are-back-the-5m-shortcut-changing-nz-property-forever/

Auckland’s housing market has reached a breaking point — with the average home price now pushing $2 million, the city is locked in a brutal battle over how to build its future. Should we go higher with apartment towers, densify with endless rows of three-storey walk-ups, or see Wellington step in with a ministerial takeover that strips local councils of power?

Learn more: https://mhq.co.nz/house-buying/aucklands-2-million-homes-showdown-towers-three-storeys-or-ministerial-takeover/

When the Reserve Bank of New Zealand signals a drop in the Official Cash Rate (OCR) to 2.5%, it doesn’t just ripple through the economy - it sends a shockwave. Property markets wake up, investors reposition, the Kiwi dollar tumbles, and households across New Zealand start to feel the shift in their wallets.

Learn more: https://mhq.co.nz/mortgage/the-rbnz-shockwave-why-slashing-rates-to-2-5-will-supercharge-property-and-sink-the-kiwi-dollar/

The Reserve Bank has just signalled what could be the biggest shift in New Zealand’s property and economic landscape in years — a new playbook that points to an OCR settling at 2.5%. For property owners, investors, first-home buyers, and anyone watching the housing market, this isn’t just a number. It’s a bombshell that could reset the rules of the game.

Learn more: https://mhq.co.nz/property-investment/the-2-5-bombshell-how-the-rbnzs-new-playbook-will-rewrite-nz-property/

New Zealand’s housing market is heading into a supply meltdown - and the consequences will be brutal for anyone not prepared. In this must-watch episode, host Craig Stanaway sits down with ASB Chief Economist Nick Tuffley to uncover why today’s housing shortage isn’t a passing problem but the trigger for tomorrow’s price explosion.

Learn more: https://mhq.co.nz/mortgage/nz-housing-supply-meltdown-why-todays-shortage-will-explode-prices-tomorrow/

Easy Money Is Dead. 2026 Will Decide Who Wins and Who Gets Wiped Out.

For years, cheap credit fuelled a frenzy in New Zealand property. Low interest rates. Easy mortgages. Skyrocketing prices. It felt like the party would never end. But as every investor now knows - easy money was a drug. And the comedown is brutal.

With 2026 looming like Judgment Day, the question is clear: are you positioned to survive, or will you be left behind?

Learn more: https://mhq.co.nz/property-investment/the-end-of-easy-money-how-kiwi-investors-will-be-made-or-broken-in-2026/

BREAKING NEWS: The Reserve Bank has just slashed the Official Cash Rate
(OCR) by 25 basis points, taking it down to 3% - and the ripple effects for New Zealand property, mortgages, and investors could be massive.

Learn more: https://mhq.co.nz/mortgage/why-did-nz-just-drop-interest-rates-to-3-percent/

📊 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/beyond-the-numbers-nzs-economic-crossroads-and-what-it-means-for-investors/

Property Apocalypse or Golden Age? The Brutal Truth About NZ Real Estate

Is New Zealand property heading for a collapse - or the start of a generational boom? Right now, investors, homeowners, and policymakers are asking the same question: are we on the edge of a property apocalypse, or about to enter a golden age?

Learn more: https://mhq.co.nz/property-investment/property-apocalypse-or-golden-age-the-brutal-truth-about-nz-real-estate/

NZ Property Comeback: Flat Prices, Rising Yields & Investor Momentum in 2025

The New Zealand property market is shifting - and the smart investors are already paying attention. Prices across the country are flat, rental yields are climbing, and momentum is quietly returning to the market. But what does this mean for property owners, landlords, and buyers in 2025?

Learn more: https://mhq.co.nz/property-investment/nz-property-comeback-flat-prices-rising-yields-investor-momentum-in-2025/

The next New Zealand property boom is already taking shape - and the smart money is preparing now.

In this special episode of MortgageHQ, host Andrew Malcolm sits down with Fred Ohlsson, Group Chief Executive Officer of Avanti Finance, to uncover the strategies, lending insights, and investor tactics that will define the 2026 NZ property boom.

Learn more: https://mhq.co.nz/property-investment/how-to-win-in-nzs-next-property-boom-2026-playbook/

NZ Property Market Update 2025: Regional house prices and rents are falling - but why? And what does this mean for investors, homeowners, and first-home buyers looking for their next move?

In this episode, Andrew Malcolm breaks down the shifting dynamics in New Zealand’s regional property markets, exposing the drivers behind price drops and rental declines that many investors never saw coming. While headlines focus on Auckland and Wellington, the real story is unfolding in smaller cities and provincial towns - where oversupply, migration patterns, and affordability pressures are reshaping the property landscape.

Learn more: ht...

📊 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/

Interest rates might be holding steady for now - but how long can this pause really last?
In this unmissable deep dive, Andrew Malcolm sits down with ASB Chief Economist Nick Tuf...

Host Andrew Malcolm sits down with professional property investor Dave Whitburn for a hard-hitting, solutions-focused conversation on how to turn New Zealand’s future around. In a time when the country faces soaring house prices, skills shortages, and a struggling education system, Whitburn lays out a practical, no-nonsense blueprint for change - and the mindset shift every Kiwi needs to embrace if we want to thrive in the decades ahead.

Learn more: https://mhq.co.nz/property-investment/the-blueprint-to-fix-nzs-future-housing-education-and-the-mindset-shift-we-desperately-need/

📊 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/

Unfiltered: NZ Over Governed, Broken Councils, and the Cuts Luxon Won’t Make
Host Andrew Malcolm sits down with Auckland City Councillor and former Government Minister Maurice Williamson for a no-holds-barred co...

The New Zealand housing market is entering a decisive turning point - and the moves you make in the next 12 months could define your property success for the next decade. In this must-watch episode, Andrew Malcolm sits down with ASB Chief Economist Nick Tuffley to break down why the once-relentless regional property boom is finally running out of steam - and more importantly, where the next wave of smart investment opportunities is already emerging.

Learn more: https://mhq.co.nz/property-investment/the-regional-property-boom-is-dying-heres-where-the-smart-moneys-going-now/

Are we standing on the launchpad of the next property boom in New Zealand? In this explosive episode, mortgagehq’s Craig Stanaway is joined by property economist Mike Jones to uncover the real-time signals that NZ property is resetting, not collapsing. And why 2026 could be the most profitable year of the decade for investors who act now.

Learn more: https://mhq.co.nz/property-investment/were-at-the-bottom-why-nz-property-is-quietly-resetting-for-a-2026-boom/

📊 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/

Mortgage rates are finally dropping, but most investors and first home buyers are still stuck in 2023 thinking. In this video, we break down what the falling interest rates actually mean for you, and how t...

🧠 Flat Market. Sharp Minds. Unfair Advantage.
The headlines say “nothing’s happening” but Craig Stanaway and BNZ Chief Economist Mike Jones say otherwise.

In this high-signal episode, we break down why a flat housing market in 2025 isn’t a problem… it’s an opening.

This is a deep dive into the real forces shaping NZ property, from buyer psychology to interest rate forecasts and why "no movement" often precedes the biggest shifts.

Learn more: https://mhq.co.nz/property-investment/nz-property-in-2025-flat-is-the-new-opportunity/

📊 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/

While Auckland hogs the headlines, the real opportunity in 2025 is quietly unfolding in the regions. In this in-depth breakdown, Craig from mortgagehq reveals why Christchurch and Dunedin are emerging as New Zealand’s most...

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/

In this must-watch episode, MortgageHQ’s Andrew Malcolm sits down with Westpac’s Chief Economist, Kelly Eckhold, to unpack the dramatic drop in New Zealand consumer confidence—and what it means for the propert...

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-best-friend/

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/

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/

 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-uncensored/

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-new-zoning-law-could-reshape-the-property-game/

📊 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-at-risk/

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-expectations-for-2025/

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 accumulation phase.

Learn more: https://mhq.co.nz/property-investment/2025-rate-cut-incoming-why-nz-property-investors-are-quietly-loading-up/

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 more: https://mhq.co.nz/property-investment/nzs-real-housing-hotspots-revealed-the-regions-quietly-booming-while-auckland-stalls/

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/

▶️ 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/

$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/

📍 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 large-scale development across Aotearoa.

Learn more: https://mhq.co.nz/prop...

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.co.nz/property-investment/the-nz-housing-market-in-recovery-mode-what-smart-investors-are-watching-closely/

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.

But under the surface, big forces are clashing:
💣 Risin...

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 to structural inflation—we unpack the factors no one in power wants to address. You’ll hear why the current stability...

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
Whether you’re buying your first investment or reshuffling your portfolio, this breakdown is your tactical edge. We’re pu...

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-system breakdown of the new era we’re...

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 mistaking debt-fuelled appreciation for true wealth.

Learn more: http...

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/

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 against the Hitchcocks?
🧨 What really happens when a business goes bust – and how do the owners walk aw...

💰 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 lightsaber of flexibility, capability, and certainty.

"If your mortgage feels like it’s bleeding...

📉 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. Whether you're a homeowner, property investor, first-home buyer, or simply trying to make sense of rising inflation...

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?
Is now the right time to buy—or should you wait for a dip?
What’s...

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 dwelling on the property?
💬 Can I rent it out lega...

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...

Lear...

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 building without understanding them, you’re gambling with your margins.

Learn more: https://mhq...

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 Kiwi dream and financial disaster.

Learn more: https://mhq.co.nz/property...

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-blown strategic crisis.

Learn more: https://mhq.co.nz/property-investment/nz-property-vs-inflation-the-rbnz-cant-save-both/

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 mean for your savings, your investment options, and your long-term financial security.

👉 Is the gov...

🔥 The Price Pressure Playbook: Why NZ Property Is Heating Up While the Economy Cools 🔥
⚠️ NZ’s Economy Is Cooling. But House Prices Are Heating Up. What the Hell Is Going On?

While economists are waving red flags and forecasting doom, something strange is happening beneath the surface: New Zealand’s property market is firing up again—even as the broader economy flatlines.

This isn’t a recovery. It’s a pressure cooker.

In this episode, we hand you the exact playbook behind the paradox—why prices are rising while everything else is going backwards, and w...

Bombshell Proof: Luxon Outspends Jacinda

Christopher Luxon ran on a promise of fiscal restraint. But what if we told you... he's spending more than Jacinda ever did?
In this explosive episode, we sit down with Maurice Williamson—former Minister, political veteran, and economic truth-teller—to unpack what the media won’t touch:

👉 The real numbers.
👉 The real agenda.
👉 And the real cost to every Kiwi homeowner.

Luxon’s budget has quietly surged past Labour’s peak.
Not in ideology—but in raw dollars.

He’s not trimming the fat. He’s feeding t...

🏡 The NZ Housing Market Just Blinked — Is This the Start of a Comeback or the Calm Before the Crash?

Something’s shifted. Open homes are filling up. Listings are lifting. Buyer sentiment is stirring.
But is this just the first twitch before another downturn… or the moment the rebound begins?

In this video, we unpack what’s really going on beneath the surface of New Zealand’s housing market.
No fluff. No hopium. Just sharp insights backed by data and decades of experience.

Our unfiltered take: Is this the bottom? Or a perfectly t...

📍 NZ Property Is Moving Without You. Here’s Where—and Why.
In 2025, the real money has already left the cities everyone’s still talking about.
Smart investors aren’t following headlines—they’re building wealth in regions the media hasn’t caught up to yet. This video is your one-shot GPS into the truth: where the shift is happening, who’s profiting, and how you can get there before everyone else.

This isn’t hype. It’s the real map. The one the top 5% are quietly using.

🔥 What You’ll Walk Away With:
The 3 most underestimated...

🏟️ From empty stadiums to burning budgets — what is Auckland even doing?
Auckland. The "Super City" that’s slowly collapsing under its own weight.

In this no-holds-barred exposé, MortgageHQ takes a sledgehammer to the delusions propping up New Zealand’s largest city. From billion-dollar stadium vanity projects to decaying state houses and bureaucratic buffoonery, this is the reality behind the headlines.

We’re not here to sugarcoat. Auckland is a case study in how bad planning, political cowardice, and urban stupidity can turn a world-class opportunity into a cautionary tale.

🔍 Inside this episode:
Eden Park vs t...

Is NZ’s Housing Market Quietly Booming Again?”
Are we heading for another property boom – and no one’s talking about it?
In this intel-packed drop, MortgageHQ breaks down what’s really going on behind the headlines. While the media stays quiet, the smart money is already moving. If you're buying, selling, or investing in New Zealand property, you need to watch this before you act.

Inside This Video:
✅ The real data behind rising prices (that no one's showing you)

✅ Why buyer confidence is returning faster than expected

✅ What smart investors are do...

NZ just detonated a property game-changer.

Under the new nationwide policy, you can now build a granny flat (secondary dwelling) on most residential land without resource consent. This is more than red tape being cut — it's a golden opportunity for investors, developers, and homeowners to unlock massive value and multiply income potential… legally, fast, and at scale.

In this video, we break down exactly what the new law means, who it helps, what risks to watch out for, and how savvy Kiwis are already jumping on the granny flat gold rush.

Whether you’re a s...

NZ Property Market Just Changed – Here’s What You Need to Know
The New Zealand housing market has officially entered a new phase — and most Kiwis have no idea what’s coming.

In this no-fluff, data-backed briefing, Andrew Malcolm from mortgagehq tears the curtain off what’s really going on in the NZ property market this May. If you're relying on headlines, you're already too late. This update reveals the real signals the media isn’t talking about — the ones that matter for your money, your home, and your next move.

🔍 What You’ll Learn (That No One...

2025 NZ Housing Forecast: Jarrod Kerr Breaks Down House Prices, Interest Rates & Supply Pressure 🎟️
What’s really driving the New Zealand property market in 2025?

📉 House prices are stabilising.
📈 Interest rates could fall.
🏘️ But a housing supply crunch is building — fast.

In this exclusive interview, Andrew Malcolm (MortgageHQ) sits down with Jarrod Kerr, Chief Economist at Kiwibank, to unpack the biggest economic forces shaping the NZ housing market forecast.

Whether you're a property investor, first home buyer, or just trying to make sense of it all — this is the sharpest analysis you’ll find on:

🔥 NZ h...

Think you're ready for a mortgage? Think again.

In this no-fluff, high-stakes episode, Craig Stanaway sits down with Simon McDonald, elite Financial Adviser from MortgageHQ, to unpack the Top 10 Mortgage Questions That Make or Break You in today’s NZ property market.

Whether you're a first home buyer, a frustrated investor, or someone who just wants to stop feeling stupid at the bank, this is the one episode that could save you thousands.

We cover:
🔥 The most profitable interest rate move Simon ever made
🔥 What makes a bank stop laughing and actually...

CLASSIFIED: Your Unfair Advantage in NZ Property Starts Now
This isn’t a prediction. It’s a mission briefing.
We’re dropping intel that changes the way buyers, investors, and brokers navigate New Zealand real estate — permanently.

Forget the guesswork. Forget the fluff.
This is where smarter data meets ruthless execution.

💥 What You’ll Unlock:
• The data moves separating winners from losers in NZ property
• Why outdated advice is your biggest risk in 2025
• How to make faster, smarter decisions with cutting-edge tools
• The exact strategies elite investors are already deploying

501 deportees. Trump politics in Australia. Luxon watching closely.

In this high-impact episode of MortgageHQ’s political deep dive series, Craig Stanaway sits down with one of the most unforgettable figures in New Zealand politics — Maurice Williamson. Known for his viral “big gay rainbow” speech, his refusal to sugar-coat truth, and a career that spanned seven ministerial roles across two National-led governments, Williamson brings the kind of political clarity you cannot buy and will not get from the nightly news.

Australia just sent a political shockwave through the region. The rise of Trump-style populism was halted at the b...

Is investing in NZ property still the smartest path to financial freedom? Or has Sharesies changed the game for everyday Kiwis?

In this explosive episode, we break down the real numbers, real risks, and real rewards of New Zealand housing vs micro-investing platforms like Sharesies.
We compare property equity vs stock market returns, long-term capital gains vs dividends, and passive income from rentals vs ETF growth.

👉 If you’re serious about building generational wealth, don’t make your next financial move without watching this. We expose the traps, reveal the strategies, and explain which investm...

The Silent Collapse of Auckland: Why Rural NZ Is Crushing the Cities in 2025

Auckland is bleeding — and most investors are too distracted to see it.

In 2025, the power shift in NZ property is no longer theory — it’s happening.
Canterbury, Otago, and the regions are rising fast, while the once-untouchable city is quietly unravelling.

If you're still anchored to big-city bias, you’re already behind.

In this episode, we deliver your unfair advantage by unpacking:

📉 The hidden metrics behind Auckland’s silent collapse

📈 Why rural NZ is outperforming...

Donald Trump’s first 100 days back in office have just cost New Zealand $900 million — and this is only the beginning.

Trump’s new 10% “reciprocal tariff” on NZ exports has blindsided Kiwi businesses and sparked fears of a deeper New Zealand export crisis. In this urgent breakdown, we’re joined by ASB Chief Economist Nick Tuffley to unpack the political decisions, global market reactions, and the future of New Zealand’s economy in 2025.

This isn’t theoretical — it’s happening now. From dairy and agriculture, to logistics, tech, and manufacturing, Trump’s trade war is hitting every sector that keep...

🛰️ Classified: Your Unfair Advantage in NZ Property Starts Now.
In this exclusive mission briefing, we dive deep into the smarter property data and housing insights you won’t get from the other guys.
If you're serious about dominating NZ real estate — whether you're an investor, buyer, or broker — this intel changes the game.

💥 Smarter data.
💥 Faster decisions.
💥 Bigger wins.

Learn how to master NZ property investing using elite data tools — and leave the guesswork behind.

No fluff. No hype. No apologies. Just the real edge you need.

📈 In this video you'll disc...

NZ’s property game has changed — again.
The ‘Mum & Dad’ investor is back in 2025, and they’re armed with equity, speed, and strategy. Meanwhile, First Home Buyers across New Zealand are being outpaced, outbid, and outplayed.

This video exposes the real reason seasoned investors are dominating open homes, auction rooms, and investment-grade rentals — and why FHBs are struggling to keep up in the face of rising competition, stalled sentiment, and outdated advice.

💥 If you’re buying your first home, investing in NZ property, or just trying to understand the 2025 housing market shift — this is unmissable.

🔍...

The IRD Is Watching You: Why Every Kiwi Property Investor Is Now a Target
Guest: Dan Lowe | Tax Partner, Grant Thornton NZ

If you’re a property investor in New Zealand, it’s time to wake up.
The IRD’s focus has shifted—and Kiwi landlords, developers, and short-term accommodation owners are now firmly on the radar.

In this urgent episode, we sit down with Dan Lowe, a leading tax partner at Grant Thornton New Zealand, to expose how the Inland Revenue Department is changing its enforcement strategy in 2025—and why property investors are now pr...

In this eye-opening video, we expose the real reason behind New Zealand’s housing crisis – it’s not about land or money, it’s about the relentless council red tape that’s holding up development. While everyone points to rising land prices or the lack of affordable homes, the true cause is a broken system where councils are dragging their feet on development consent.

We delve into how council bureaucracy and delays in issuing consent are stalling new housing projects across the country, pushing up costs, and making the property market even less accessible for Kiwis. With expert ins...

Watch this if you're bidding at an auction in 2025

🏡 How do the best property buyers dominate auctions while others walk away empty-handed? In this exclusive episode, we sit down with NZ’s #1 auctioneer, Robert Tulp, to reveal the real buyer tactics that actually work in today’s high-stakes property market.

Whether you're buying your first home, investing in your tenth, or just want to understand how auctions really work — this conversation is a masterclass in real estate psychology. Robert has run thousands of auctions across New Zealand and has seen every move — the confident bluffs, the nervous...

🎯 Auction Secrets Sellers Never Hear — Part 2 of Our Easter Special with NZ’s #1 Auctioneer, Rob Tulp

Welcome to Part 2 of the most important property interview you'll watch this year.

In this exclusive Easter Special, Rob Tulp — New Zealand’s #1 Auctioneer — joins MortgageHQ to blow the lid off the real estate game. If you’re selling your home, managing investment properties, or just want to stop leaving money on the table… this episode is your cheat code.

What real estate agents don’t tell you, Rob does. This is the truth sellers never hear — until it’s too late...

🏡 Healthy Homes: Smart Policy or Red Tape Nightmare? | Full Breakdown with NZ Property Expert

Are New Zealand’s Healthy Homes Standards protecting tenants—or punishing landlords?

In this eye-opening interview, we sit down with one of New Zealand’s top property experts to pull back the curtain on what the Healthy Homes policy really means in 2025. Is it a smart move for rental quality—or a bureaucratic blunder that's strangling investor confidence?

Whether you're a seasoned property investor, a first-time landlord, or a tenant who wants to understand your rights—this conversation lays it all bare.<...

Trump’s trade war is back. But this time, Kiwi homeowners might be the ones who pay the price.

In 2025, the global stage is on fire — with the U.S. reigniting tariffs under “Liberation Day” and China retaliating hard. The headlines scream about Washington vs Beijing… but the real-world shockwaves are already crashing into the South Pacific.

In this episode, we unpack how Trump’s global economic warfare could ripple straight into New Zealand’s housing market, mortgage system, and household budgets.

🔍 Here’s what we cover in full:
Trump’s 145% tariff play and why it’s tri...

Trump just reignited the trade war. Global markets are panicking. And New Zealand? We might be the first real casualty.

In this urgent episode, we unpack the full implications of Trump’s new “Liberation Day” tariffs — including his shock 145% hit on Chinese imports, China’s 125% retaliation, and the market chaos already unfolding across the US, Asia, and beyond.

📉 But this isn’t just a global headline — it’s a local economic warning shot.
New Zealand's fragile recovery, export-heavy economy, and over-leveraged households make us incredibly exposed to any external economic tremor.

We’ll break down:

...

Trump’s tactics. Green Party chaos. Luxon’s quiet dominance. And Winston Peters—back in the shadows.
This is the most explosive political equation New Zealand has faced in years… and voters are watching it unfold like a slow-motion landslide.

In this special episode, we sit down with former MP Maurice Williamson — respected, sharp, and unfiltered — to break down how global political forces are reshaping New Zealand’s local reality, and what it means for everyday Kiwis, property investors, and financially-aware voters.

🔍 What You’ll Learn in This Episode:
How Trump-style politics is creeping into NZ Duration: 00:11:54

Donald Trump’s trade war is heating up again — and Kiwis are already feeling the burn.
While the media focuses on US-China tensions, the reality is that New Zealand households are becoming collateral damage in a global economic conflict. Tariffs, disrupted trade routes, and rising import costs are starting to hit where it hurts: mortgage affordability, property market confidence, and KiwiSaver balances.

In this video, we expose how international trade warfare is now driving local financial pain — and why most Kiwis aren’t ready for what’s coming. From groceries to construction materials, from inflation to mortgage r...

Your mortgage, KiwiSaver, and property portfolio might be under attack—and no one in power is going to warn you.

In this urgent episode, the team at mortgagehq lays bare the full extent of what’s happening beneath the surface of New Zealand’s financial and property landscape.

📉 Are rising interest rates silently eroding your property equity?
💥 Is KiwiSaver becoming a political football, leaving your retirement savings exposed?
🏠 Could your dream of financial freedom through property ownership be under siege from shifting legislation, market turbulence, and central bank policy?

We break down:

How...

🏠 NZ Property Market Warning – April 2025
What’s really happening in the New Zealand property market right now? In this video, we break down the key trends, hidden risks, and real opportunities Kiwi investors and home buyers need to know in April 2025.

📉 With rising interest rates, tighter lending, and a slowdown in construction, the NZ housing market is shifting fast — and many people are being caught off guard.

In this video, you’ll learn:

What’s behind the April 2025 market shift

Where prices are heading next

Whether now is the right time t...

New Zealand’s construction sector is on the ropes — and it’s not just builders feeling the pain. In this episode, we break down how delays, cost blowouts, and a brutal market reset are combining to create the next big housing crisis in NZ.

🔥 Whether you're an investor, a first home buyer, or just trying to make sense of the chaos, this video gives you the insights the mainstream won’t.

We’ll reveal:

📉 Why new builds are stalling (and what it means for property values)

💰 How supply chain shocks and interest rates are...

📉 The Reserve Bank just cut the OCR by 25bps — but what does that *really* mean for mortgage holders, first-home buyers, and NZ’s property market?

We sat down with BNZ Chief Economist Mike Jones to unpack:
- Whether mortgage rates will actually follow the OCR drop
- What this move signals about inflation, recession risk & the housing cycle
- Why most Kiwis *won’t feel relief* just yet
- What smart homeowners and investors should be doing **right now**

💡 This isn’t a victory lap — it’s a strategic window. Make the right moves be...

Could Trump’s Next Move Spike NZ Mortgage Rates? | OCR + Property Market Breakdown

Will Trump’s trade war crash the NZ housing market? With global tensions rising, New Zealand’s Official Cash Rate (OCR) could be the next casualty — and that means major consequences for your mortgage, property investment strategy, and future home-buying decisions.

In this episode, we’re joined by Mark Lister, Investment Director at Craigs Investment Partners, to unpack the potential economic shockwaves from Trump’s tariff threats and how they could impact the Reserve Bank of New Zealand’s interest rate decisions.

🔍 Inside...