Leverage Addicts

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...