The OneRoof Radio Show

If you've got a decent property portfolio you might have a property manager, but should every landlord have one?

There's definitely value to having an expert look after your property, even if it's just the one house. 

So how do you pick a good one? And what are the red flags to keep an eye out for when it comes to picking a property manager?

Head of Property Management at Opes Partners Tiffany Bracey joins Tim Beveridge to discuss the pros and cons of getting a property manager. 

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Trends come and go, but some things look great all the time.

Interior designer Kelly Gammie joined Tim Beveridge to talk the design choices that work, and the ones to avoid. 

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On the One Roof Radio Show, Ed McKnight from Opes Partners talks with Tim about how a looming election impacts (or doesn't) the housing market.

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On the One Roof Radio Show, Aspire Property Management Director Mike Atkinson joins Tim Beveridge to talk about getting into the landlord game.

And if you're already in it, what’s keeping you in the game?

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On the One Roof Radio Show, founder of Property Quadrants and property commentator Nichole Lewis joins Tim Beveridge to talk about the things in a neighbourhood that can lift a property's value.

And when it comes to selling, how long is too long to hold to your expected sell price in a market that isn't really firing for sellers?

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First home buyers are being encouraged to act now as housing prices fall. But should you rush into it?

And what red flags in a house can you work around, and which should be a make-or-break?

Martelli Buyers founder Alex Martelli joins Tim Beveridge to discuss. 

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House prices are falling just about everywhere in the country. It's a buyers' dream, and a sellers nightmare.

If you're a seller, what will it take to see the market turn back in your favour? And if you're a buyer, just how much can you push your advantage? 

Harcourts Cooper & Co. Managing Director Martin Cooper joins Tim Beveridge on the OneRoof Radio Show to answer your questions. 

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The OCR changed this week, The Reserve Bank has upped it from 2.5% to 2.75%.

But mortgages are already high, some unlucky buyers are now finding they owe more than the value of their house as equity erodes. 

So if you're in this situation, what can you do? Opes Mortgages Managing Director Peter Norris joins Tim Beveridge to answer your questions.

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No matter how nice the house is, it all comes down to the money. You could be eyeing up your dream house, but the price is always gonna be the deciding factor. 

So if you're selling, how do you know what to price your house at. And if you're a buyer, how can you be sure that the house you buy will give you a similar return in the far-future? 

Head of Network for LJ Hooker Allaine Burkett joins Tim Beveridge to share her insight. 

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Renters make up a large portion of the property market, and there's a difficult dance to paying to live in someone else's house.

Who's responsibility is it to maintain the lawns? How do you spot a good property to rent? And when does an issue become the landlords problem instead of the tenants?

Managing Director at Aspire Property Management Mike Atkinson joins Tim Beveridge to discuss.

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In the property market we often focus on who's winning between the buyer and the seller, but an economist from Simplicity has calculated that renters could be the top dogs at the moment. 

But, Ed McKnight from Opes Partners questions the reliability of this claim. 

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Property markets always favour either the buyer or the seller - someone's gonna get more out of it. 

It's hard to know what move to make in the property market, and even harder to know when.

Harcourts Managing Director Martin Cooper joins Tim Beveridge to answer your questions about the property market, and how to know when to buy, sell or hold.

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Townhouses are popping up everywhere across New Zealand. 

Are they flooding the market? Or are they providing low cost solutions for youngsters entering the market?

Harcourts Managing Director Bryan Thomson joined Tim Beveridge for The One Roof Radio Show to discuss.

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The expression property market reset has been recently popular in property news– but what is it?

What does it look like? And what does it mean for homeowners and investors?

Opes Mortgages Managing Director Peter Norris joined Tim Beveridge for The One Roof Radio Show to discuss.

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Renting out property can come with a lot of risks for landlords from faulty buildings and dodgy tenants.

Mike Atkinson from Aspire Property Management joins Tim Beveridge for the One Roof Radio Show to discuss some of the red flags that might go unnoticed by the average landlord.

And, how to avoid being a red flag tenant, what can you do to overcome previous renting mistakes to get into the property you want?

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Property's been the golden-goose egg in New Zealand for as long as we've known. It was your retirement plan, your income stream, your lifeline, and what you worked towards.

The plan was simple: buy a house, pay it off and/or rent it out, and by the time you stopped working you had something solid behind you. It was our version of the American Dream.

But with the house market in a state of volatility or decline, interest rates and insurance going up, and capital gains tax becoming a hot-topic, is planning your life around...

On the One Roof Radio Show, founder of Property Quadrants and property commentator Nichole Lewis joins Tim Beveridge to talk about why less people are including property in their retirement planning. 

And why is it so hard to sell an apartment? Should first-home buyers steer clear of something that they'll likely be stuck with?

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On the One Roof Radio Show Harcourts Managing Director Bryan Thomson joins Tim Beveridge to talk about how a Capital Gains Tax would affect the property market. 

And The Opportunity Party proposed a land tax on urban residential properties, and Bryan isn't keen on the idea.

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On the One Roof Radio Show buyer's agent Alex Martelli spoke to Tim Beveridge about kiwi's seemingly falling out of love with property. But is the vibe being skewed by the level of the fall as measured since prices went bonkers?

And they discuss everything apartment ownership. 

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Aspire Property Management's Mike Atkinson discusses tough times for landlords, calling it the worst market in 50 years. 

For years the story was rental shortage, rising rents, desperate tenants, but now we’ve got softer rents in some main centres, more townhouses and apartments, and tenants needing affordability.

So, the question arises, is it a renter's market, and if so, how long will it last? 

And what is the golden number for what percent of your income you should spend on housing? 

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Rates are going up again, more than 7% in Auckland, buyers are cautious, the OCR will not be dropping anytime soon, and the market remains soft. 

In such a volatile market, those selling a home need to be careful that their property has value, and any changes actually add value if they have any hopes of real estate success.

Interior designer Kelly Gammie joined Tim Beveridge to reveal which renovations add value, and which details age a home. 

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Staging homes has been a popular way to market your property for years. 

It's not your home as you have lived in it God Forbid  but it gives potential buyers an idea of what their future home could look like if it were intentionally designed and hardly lived in. 

We know our home likely won't look a whole lot like that once we move ourselves in - but there's a rising trend of digitally altered property photos that are harder to see through. 

What was once just higher contrast and saturation, or greener gras...

We've all heard the age-old advice you should buy the worst house on the best street - but is that still the case? 

The divide between what's considered a 'good' or 'bad' street seems to be less obvious than what it once was, and the cost of building or renovating has skyrocketed in recent years.

It's just not as easy these days to throw a little bit of cash and a few weekends of hard work at a run down house to bring it up to the level of neighbours. 

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Buyer's agents. They're projected to grow in popularity in the coming years, so what are they and who really needs one? 

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So you want a loan to buy a property. 

The bank sifts through all the money that's gone in and out of your accounts going back an uncomfortable amount of time, and give you a number they're willing to lend you.

You think to yourself, the process is so long and gruelling, and they require so much of your usually private documents, that surely you can afford to meet those repayments - right? 

Wrong. 

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The tide has well and truly turned. 

We've had analysts forecasting a plateau for much of this year, with rates starting to turn upwards near the end of the year.

One thing is for sure - we're not too likely to see the OCR go any lower than where it already stands. 

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Have you ever walked into a home and thought - there was so much potential and it's all been lost. 

A room with limited natural light, painted in dark shades and made to look smaller than it is. A poorly shaped couch that throws off the whole room. Or one that we see all too often - old, outdated lighting that can make a gorgeous home immediately look neglected.

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For a long time, the kiwi dream has been to do whatever it takes to get onto the property ladder and work your way up from there, but some investors are moving away from that advice - instead suggesting that it might be a better idea to rent and put your money elsewhere. 

It's not just the cost of the property and the mortgage repayments. You're paying to maintain the property in a way you wouldn't be if it were a rental, you're covering rates, insurance, and all the other little costs that add up pretty quickly. 

It's pretty common these days when buying a house to throw in a couple conditions with your offer. 

You're going to want a building report, your bank may want a property valuation before they agree to insure the property, and most commonly - you may need to sell your home first before your able to settle on the next one. 

But for a seller, any one of these could be a deal breaker - and could mean a lower offer is accepted over yours just because it's unconditional. 

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Who hasn't at some stage in their life been a landlord or tenant?

For many people, it's the first time they have to think about contracts and legal obligations - but are there red flags which should have you as a landlord rejectying a particuolar tenant - and like wise as a tenant that have you looking for somewhere else to live.

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New builds and townhouses alike have become the best option for first home buyers looking to get into the market. 

Townhouses offer a lower-cost alternative to standalone homes without having to fully commit to apartment living, and new builds often mean low-deposit loans and easier access for first home buyers. 

Problem is, the boom of new build townhouses is quickly slowing down - they're no longer classed as new builds, thus no longer as easy of a first option. 

It's not just a problem for potential buyers - it also means that those loo...

Mum and dad investors are pulling out of the property market. 

The housing market is shifting to focus on the needs of your everyday owner-occupier, but the demand for rentals as still as high as ever and it doesn't look like that will change any time soon. 

The problem is that, among other reasons, the cost of running a rental is at an all time high, debt-to-income and loan-to-value ratio rules have blocked a lot of access to funding, and long-term capital gains aren't what they once were - all leading to more professional property in...

If you're declaring yourself as the bank of mum and dad, you'll need to have some conversations with your children about what they can afford - and what happens if that changes. 

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Westpac's economists are picking 6 consecutive OCR hikes from December - they're forecasting that it will hit 4% by the end of next year. 

The OCR dropped to 2.25% just before Christmas, which is where it stands now, but there have been rumblings for some time that we'd start seeing hikes soon, as all major banks lifted long-term loan rates. 

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Those in the market to buy a new home either know or will learn very quickly, that an agent is essential in the process. 

Sure, we can search agency websites and windows ourselves, or scroll through OneRoof after work every day - but we're doing ourselves a disservice if we don't have an agent keeping an eye out for a place with the right metrics for us. 

Here's the problem - these agents legally work for the seller. 

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New Zealand's biggest bank, ANZ, has downgraded its forecast for property prices this year. 

It says its previous forecast of 5% is looking unrealistic as the OCR looks to be making a turn soon and market prices are already falling - now saying a 2% rise is more likely. 

Meanwhile, economists are laying out their predictions for when we'll see the OCR make that turn. 

Many say it won't be until 2027, but some are predicting a rise as soon as the second half of this year. 

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Normally when property comes up in discussion, it's focused on the plight of the youngsters who are fighting to get on to the property ladder. But today, we're switching it up a bit.

Your house is likely the most expensive thing you own, that applies for everyone who's lucky enough to own one. So how do you manage your money with it?

How old is too old to be investing in property? Are you worried that you've left it too late? At what point does it stop being worth it? 

Managing director of p...

The no-consent granny flat law changes came in this week. 

That means you can build an up-to-70sqm dwelling in your backyard without having to ask the council if you're allowed to. 

Getting one set up on your property would set you back at least $200,000, but the question on minds of anyone with enough space for something like this is - how much value will it add? 

They can be rented out for a bit of passive income - but it may not be worth the trouble of getting it fit to rent. 

From tax changes to interest rates to regulation changes, there's an ever growing list of reasons for kiwis to be a bit more hesitant to invest in property. 

Now with changes to foreign buyers laws, we may be staring down the barrel of a completely different  property market. 

So here's the question, has the model for property investment fundamentally changed? How are investors going about it these days, and is it even worth it? 

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Not even two years ago, we were comparing our rent increases to those of places like Singapore and New York City. But today, many parts of the country are seeing rents tumble. 

So what does it mean for 2026? Should tenants be making their move to secure a place? Or is it the landlords who should be locking in reliable tenants before things start to change again? 

And from this month, pets are officially allowed in rentals. 

A landlord can't turn down a tenant solely for bringing a pet with them - but that alo...