Leverage Addicts

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...